Canada: Lending-deposit interest rate spread

* indicates monthly or quarterly data series
 Canada

Bank lending-deposit interest rate spread

 Latest value 2.6
 Year 2017
 Measure interest rate points
 Data availability 1980 - 2017
 Average 3.25
 Min - Max 2.3 - 4.25
 Source The International Monetary Fund
For that indicator, we provide data for Canada from 1980 to 2017. The average value for Canada during that period was 3.25 interest rate points with a minimum of 2.3 interest rate points in 2009 and a maximum of 4.25 interest rate points in 1989. The latest value from 2017 is 2.6 interest rate points. For comparison, the world average in 2017 based on 110 countries is 7.14 interest rate points. See the global rankings for that indicator or use the country comparator to compare trends over time.
Select indicator
* indicates monthly or quarterly data series


Recent values chart
Canada - Lending-deposit interest rate spread - recent values

Historical chart
Canada - Lending-deposit interest rate spread - historical chart - 1980-2017




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.


 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 2.60 2017 interest rate points
 Bank cost to income ratio 57.35 2021 percent
 Non-performing loans 0.34 2022 percent
 Bank overhead cost 1.56 2021 percent
 Net interest margin 1.59 2021 percent
 Bank credit to deposits 104.32 2008 percent
 Regulatory capital to risk-weighted assets 16.10 2020 percent
 Return on assets 1.14 2021 percent
 Return on equity 19.16 2021 percent
 Banking system z-scores 13.85 2021 index points
 Liquid assets to deposits 46.45 2021 percent
 Banking system capital to assets 4.95 2020 percent
 Non-interest income to total income 46.67 2021 percent
 Lending interest rate 2.70 2017 percent
 Real interest rate 0.13 2017 percent
 Legal rights 9.00 2020 points
 Credit information sharing 8.00 2019 points
This site uses cookies.
Learn more here


OK