Australia: Lending-deposit interest rate spread

* indicates monthly or quarterly data series
 Australia

Bank lending-deposit interest rate spread

 Latest value 3.54
 Year 2019
 Measure interest rate points
 Data availability 1987 - 2019
 Average 2.89
 Min - Max 0.20 - 4.18
 Source The International Monetary Fund
For that indicator, we provide data for Australia from 1987 to 2019. The average value for Australia during that period was 2.89 interest rate points with a minimum of 0.2 interest rate points in 1987 and a maximum of 4.18 interest rate points in 2008. The latest value from 2019 is 3.54 interest rate points. For comparison, the world average in 2019 based on 100 countries is 6.96 interest rate points. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
Australia - Lending-deposit interest rate spread - Recent values chart

Historical chart
Australia - Lending-deposit interest rate spread - historical chart - 1987-2019




Definition: Difference between the lending rate and the deposit rate. The lending rate is the rate charged by banks on loans to the private sector and the deposit interest rate is the rate offered by commercial banks on three-month deposits.

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 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 3.54 2019 interest rate points
 Bank cost to income ratio 54.07 2021 percent
 Non-performing loans 0.72 2022 percent
 Bank overhead cost 1.01 2021 percent
 Net interest margin 1.67 2021 percent
 Bank credit to deposits 118.62 2021 percent
 Regulatory capital to risk-weighted assets 17.56 2020 percent
 Return on assets 0.87 2021 percent
 Return on equity 13.48 2021 percent
 Banking system z-scores 14.15 2021 index points
 Liquid assets to deposits 32.70 2021 percent
 Banking system capital to assets 8.00 2020 percent
 Non-interest income to total income 24.53 2021 percent
 Lending interest rate 5.10 2019 percent
 Real interest rate 1.58 2019 percent
 Legal rights 11.00 2019 points
 Credit information sharing 8.00 2019 points
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