São Tomé and Principe Interest Rate Spread
Interest rate spread (lending rate minus deposit rate) FR.INR.LNDP
São Tomé and Principe's interest rate spread was 15.41% in 2025, ranked 5th globally. This represents a 0.7% decrease from 2024. Data from World Bank, covering 2001–2025.
Overview
São Tomé and Principe's interest rate spread stood at 15.41% in 2025, a decline of +0.12pp from 2023. Based on recent trends, this figure is projected to reach 15.41% by 2025. São Tomé and Principe ranked 5th globally.
São Tomé and Principe's interest rate spread has exhibited significant fluctuations over the past two and a half decades, ranging from a high of 22.42% in 2002 to a low of 13.28% in 2012. This indicates a considerable reduction in the differential between lending and deposit rates, reflecting a more stable financial environment. The latest available data shows an interest rate spread of 15.41% in 2025, ranking the country fifth globally. Notably, this figure remains lower than that of the Kyrgyz Republic, which has a spread of 19.04%, a peer country with a comparable economic profile. The trajectory of São Tomé and Principe's interest rate spread has been marked by a generally downward trend, reflecting potential improvements in financial sector stability and access to credit. However, a significant shift in monetary policy or a substantial change in the country's economic fundamentals could alter this trajectory, potentially leading to a widening of the interest rate spread.
Data & projection
| Year | Interest Rate Spread | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 15.33% | - | - |
| 2025* trend | 15.41% | - | - |
| 2025 | 15.41% | −0.12pp | #5 |
| 2023 | 15.52% | +0.11pp | #82 |
| 2022 | 15.42% | −0.69pp | #86 |
| 2021 | 16.11% | +0.21pp | #98 |
| 2020 | 15.89% | +0.21pp | #99 |
| 2019 | 15.68% | −0.40pp | #103 |
| 2018 | 16.08% | +0.64pp | #106 |
| 2017 | 15.44% | −0.01pp | #118 |
| 2016 | 15.45% | −0.96pp | #120 |
| 2015 | 16.41% | +2.16pp | #122 |
| 2014 | 14.25% | +0.92pp | #120 |
| 2013 | 13.33% | +0.05pp | #118 |
| 2012 | 13.28% | −1.31pp | #116 |
| 2011 | 14.59% | −3.17pp | #117 |
| 2010 | 17.76% | −1.43pp | #119 |
Detected Pattern
Analysis
São Tomé and Principe matched the Stagflation Risk pattern in 2024. Historically, 38% of countries showing this pattern (117 out of 307) saw interest rate spread improve within 24 months. View full analysis →
Frequently Asked Questions
São Tomé and Principe's interest rate spread was 15.41% in 2025. Ranked 5th globally. This represents a 0.7% decrease from the previous year.
São Tomé and Principe's interest rate spread peaked at 22.42% in 2002.
The lowest interest rate spread in São Tomé and Principe was 13.28% in 2012.
São Tomé and Principe ranks 5th globally in interest rate spread as of 2025.
The World Bank indicator code is FR.INR.LNDP. Data sourced from World Bank.
São Tomé and Principe's interest rate spread is projected to reach 15.41% by 2025 based on trend extrapolation.
The interest rate spread of São Tomé and Principe in 2025 was 15.41%. This ranks 5th in the world.
Cite this page
@misc{historysaid_s-o-tom-and-principe_interest-rate-spread,
title = {São Tomé and Principe Interest Rate Spread},
url = {https://historysaid.com/s-o-tom-and-principe/interest-rate-spread/},
publisher = {HistorySaid},
year = {2026}
}