Algeria: Lending interest rate
* indicates monthly or quarterly data series
| Algeria |
Interest rates on bank credit to the private sector |
|---|---|
| Latest value | 8.00 |
| Year | 2025 |
| Measure | percent |
| Data availability | 1995 - 2025 |
| Average | 9.28 |
| Min - Max | 8.00 - 19.00 |
| Source | The World Bank |
| Available for | Data download |
The latest value from 2025 is 8 percent, unchanged from 8 percent in 2024. In comparison, the world average is 11.86 percent, based on data from 66 countries. Historically, the average for Algeria from 1995 to 2025 is 9.28 percent. The minimum value, 8 percent, was reached in 2004 while the maximum of 19 percent was recorded in 1996.
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* indicates monthly or quarterly data series
| Recent values | Algeria: Lending interest rate |
|---|---|
| 2025 | 8.00 |
| 2024 | 8.00 |
| 2023 | 8.00 |
| 2022 | 8.00 |
| 2021 | 8.00 |
| 2020 | 8.00 |
| 2019 | 8.00 |
| 2018 | 8.00 |
The lending interest rate in Algeria shown below is the interest rate on credits from banks to prime borrowers, i.e. to the lowest risk borrowers in the private sector. That includes firms and households.
Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
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| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Lending-deposit interest rate spread | 6.25 | 2020 | interest rate points |
| Bank cost to income ratio | 32.74 | 2020 | percent |
| Non-performing loans | 20.68 | 2024 | percent |
| Bank overhead cost | 1.12 | 2020 | percent |
| Net interest margin | 2.95 | 2020 | percent |
| Bank credit to deposits | 48.48 | 2021 | percent |
| Regulatory capital to risk-weighted assets | 19.05 | 2018 | percent |
| Return on assets | 1.35 | 2020 | percent |
| Return on equity | 10.73 | 2020 | percent |
| Banking system z-scores | 24.82 | 2020 | index points |
| Liquid assets to deposits | 32.70 | 2020 | percent |
| Banking system capital to assets | 10.82 | 2018 | percent |
| Non-interest income to total income | 27.01 | 2020 | percent |
| Lending interest rate | 8.00 | 2025 | percent |
| Real interest rate | 4.47 | 2024 | percent |