Zambia: Lending interest rate

* indicates monthly or quarterly data series
 Zambia

Interest rates on bank credit to the private sector

 Latest value 9.48
 Year 2020
 Measure percent
 Data availability 1978 - 2020
 Average 27.18
 Min - Max 8.25 - 113.31
 Source The World Bank
For that indicator, we provide data for Zambia from 1978 to 2020. The average value for Zambia during that period was 27.18 percent with a minimum of 8.25 percent in 1978 and a maximum of 113.31 percent in 1993. The latest value from 2020 is 9.48 percent. For comparison, the world average in 2020 based on 109 countries is 10.42 percent. 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
Zambia - Lending interest rate - Recent values chart

Historical chart
Zambia - Lending interest rate - historical chart - 1978-2020




The lending interest rate in Zambia 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.


 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 0.76 2020 interest rate points
 Bank cost to income ratio 57.16 2021 percent
 Non-performing loans 5.82 2021 percent
 Bank overhead cost 6.00 2021 percent
 Net interest margin 9.42 2021 percent
 Bank credit to deposits 38.23 2021 percent
 Regulatory capital to risk-weighted assets 20.09 2020 percent
 Return on assets 4.28 2021 percent
 Return on equity 46.36 2021 percent
 Banking system z-scores 8.86 2021 index points
 Liquid assets to deposits 48.98 2021 percent
 Banking system capital to assets 8.48 2020 percent
 Non-interest income to total income 29.12 2021 percent
 Lending interest rate 9.48 2020 percent
 Real interest rate -3.75 2020 percent
 Legal rights 11.00 2020 points
 Credit information sharing 8.00 2019 points
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