Der Zinsspread ergibt sich, wenn der Zinssatz, den Handels- und Geschäftsbanken oder ähnliche Institute bei Sicht-, Termin- oder Spareinlagen verlangen, von dem Zinssatz abgezogen wird, den Banken bei Darlehen an ihre Hauptkunden berechnen.

Zinsspread (%)

19701990200020052010201120122013201420152016201720182019202020212022
Australien0,532,813,373,073,403,062,933,053,273,283,243,283,54
Brunei Daressalam4,495,035,105,275,225,205,165,165,185,195,135,275,365,36
China0,723,603,333,063,063,003,002,852,852,852,852,852,852,852,852,85
Fiji5,284,952,073,725,314,994,593,333,082,492,231,353,293,373,89
Hongkong4,474,954,994,994,994,994,994,994,994,995,004,974,944,985,05
Indonesien3,295,955,976,245,475,855,393,854,334,724,554,413,684,045,265,31
Japan2,001,411,101,040,930,760,800,740,740,67
Republik Korea0,611,871,661,611,701,751,731,721,811,811,641,591,641,691,17
Demokratische Volksrepublik Laos20,0022,0819,61
Macau3,294,565,475,235,205,195,215,205,215,215,205,195,125,055,105,09
Malaysia3,703,074,312,952,502,001,811,681,541,431,501,681,781,891,991,881,96
Mikronesien (Föderierte Staaten)10,7414,7514,2213,7613,9015,3215,3215,3215,3215,6315,2614,3914,4012,58
Mongolei20,1517,578,216,146,846,446,716,586,477,055,286,046,679,41
Myanmar9,028,968,928,778,008,008,008,008,008,008,008,009,00
Neuseeland1,451,081,671,841,721,711,792,031,791,46
Papua-Neuguinea9,819,0810,629,069,8910,339,809,048,317,737,878,407,776,917,447,74
Philippinen4,582,604,634,453,282,524,114,303,994,053,753,003,01
Samoa7,088,027,687,397,327,007,036,726,166,196,246,046,406,49
Singapur2,694,124,865,175,215,245,245,215,185,165,145,175,055,075,13
Salomon-Inseln11,1511,1710,4210,4810,6610,179,8910,3910,4110,2510,194,71
Thailand2,174,543,073,132,612,592,633,203,303,173,132,862,672,672,652,63
Timor-Leste10,2011,3111,5112,0112,7213,2912,5912,8114,7213,4810,5210,40
Tonga6,816,535,815,224,794,865,205,785,765,866,21
Vanuatu8,308,357,778,138,508,838,989,118,828,36
Vietnam6,903,881,942,962,973,232,912,371,932,262,632,733,534,444,20
Albanien13,807,996,406,575,465,666,066,485,905,455,185,785,715,545,78
Armenien13,4912,1710,258,517,665,835,983,445,745,394,133,663,503,523,25
Aserbaidschan6,768,519,068,118,138,328,698,548,648,117,177,598,497,725,61
Weißrussland30,122,120,130,27-2,81-1,130,16-1,83-0,242,662,782,522,421,764,29
Bosnien-Herzegowina6,054,734,644,154,033,983,733,663,172,812,372,282,622,72
Bulgarien8,205,587,077,266,636,636,616,836,225,394,944,524,324,103,73
Kroatien8,339,488,627,997,607,737,23
Tschechische Republik3,744,604,814,684,384,113,943,753,533,313,273,303,042,972,83
Georgien10,075,783,464,103,873,483,582,681,832,292,111,582,202,02
Ungarn5,073,412,132,662,832,732,532,671,791,511,361,411,691,491,952,29
Kirgisistan42,0219,5321,7621,5820,6818,9917,6421,1722,1117,0717,0917,4515,6715,3317,26
North Macedonia7,023,233,513,904,044,054,564,514,394,073,743,723,673,56
Republik Moldau8,916,058,696,875,795,075,302,183,554,594,363,654,353,942,48
Montenegro7,575,836,556,306,487,277,486,916,325,925,715,505,395,35
Niederlande1,900,43-0,60-0,61-1,11-0,94
Norwegen2,162,142,192,312,282,202,312,101,972,36
Rumänien20,7413,196,765,835,825,975,454,884,604,685,505,384,564,033,57
Russische Föderation17,936,694,814,023,573,885,106,525,634,703,503,353,013,393,86
San Marino5,834,684,845,225,554,790,061,143,003,002,972,962,923,18
Serbien72,40-11,94-6,44
Schweden3,722,72
Schweiz2,662,662,652,662,662,822,852,902,942,983,023,062,80
Tadschikistan13,1314,7514,2213,4217,7619,0421,6121,4125,9723,3518,37
Ukraine27,817,605,318,055,435,875,628,817,757,267,236,938,218,6611,19
Großbritannien2,042,22
Usbekistan0,83-1,300,19-1,230,705,717,456,035,114,02
Antigua und Barbuda4,646,997,547,637,547,006,917,187,377,657,567,327,036,175,815,76
Argentinien1,393,412,042,293,593,756,957,5816,6019,970,072,01-0,02
Barbados5,135,225,996,036,026,146,195,876,747,707,867,907,907,907,907,91
Belize5,908,316,546,126,928,037,987,927,727,547,347,127,126,556,216,30
Bolivien17,9823,6111,688,869,519,519,316,746,666,515,645,005,224,054,864,56
Brasilien39,6337,7531,1232,8928,7319,5821,9831,3439,6538,4032,2132,0426,8525,6727,40
Chile8,525,642,753,003,744,274,094,181,911,771,611,48
Kolumbien8,136,647,555,726,967,236,826,786,877,867,707,417,276,477,277,31
Costa Rica11,4011,5114,5111,7712,1413,4711,3111,5811,8610,438,577,114,114,053,914,29
Dominica6,987,816,776,195,645,946,026,066,226,376,326,185,775,094,624,92
Dominikanische Republik9,1510,297,328,008,438,017,508,458,397,916,526,366,337,125,11
Grenada8,927,367,207,507,576,876,636,797,137,106,876,456,235,675,375,55
Guatemala10,718,687,898,198,198,158,307,767,637,687,757,737,908,058,02
Guyana3,588,5911,9512,2712,5112,3412,3711,7611,7211,8311,9512,019,608,628,087,64
Haiti18,5816,7511,338,488,048,168,647,607,346,976,239,278,41
Honduras8,2810,897,939,0510,389,528,439,7910,9610,6911,009,518,928,8810,1610,33
Jamaika6,528,697,5514,0115,2313,8814,0212,6913,0812,9311,1911,0810,459,608,917,35
Mexiko8,676,244,073,963,602,942,712,853,474,644,774,904,884,415,61
Nicaragua6,457,348,0710,338,6911,0013,9712,4911,0110,349,539,589,389,038,138,06
Panama3,415,97
Paraguay15,2332,9028,8813,3713,2415,0316,8816,2214,3213,3912,2412,0510,179,09
Peru1.820,4516,7022,1116,8515,0115,3614,6111,9211,9911,5512,3311,2010,7211,0810,287,78
St. Kitts und Nevis6,666,785,534,024,984,465,046,106,576,736,836,786,515,434,895,00
St. Lucia7,858,277,777,296,516,446,146,206,586,616,686,546,225,605,365,31
St. Vincent und die Grenadinen7,266,936,696,316,146,546,716,517,187,226,896,666,556,265,926,03
Surinam4,1013,4810,135,425,374,954,894,935,085,415,385,065,986,868,027,45
Bahamas2,431,922,322,062,432,743,073,333,353,513,263,413,663,803,733,73
Trinidad und Tobago6,918,356,917,786,476,216,006,006,687,507,507,597,755,065,945,99
Uruguay11,7128,0610,776,165,236,757,7910,6410,2410,608,777,086,496,443,654,63
Venezuela (Bolivarische Republik)7,718,905,183,552,561,871,392,534,515,696,33
Algerien2,506,066,256,256,256,256,256,256,256,256,256,256,256,256,25
Bahrain0,915,794,686,025,774,954,884,894,17
Ägypten7,003,765,924,774,294,364,614,794,725,746,086,005,173,582,032,16
Iran4,220,06-0,16-3,81-3,76-2,94-2,095,20
Irak6,868,298,227,997,837,447,447,58
Israel3,103,113,002,942,982,922,882,762,662,52
Jordanien4,834,695,505,325,014,164,474,985,094,964,283,733,413,583,54
Kuwait1,192,984,033,083,032,942,542,242,402,853,083,162,922,522,302,31
Libanon23,096,942,492,141,641,481,521,361,112,422,031,370,82
Libyen3,001,504,004,003,503,503,503,503,50
Oman1,562,474,463,383,513,212,963,022,982,351,711,671,541,431,35
Katar3,503,474,373,743,713,693,612,821,591,791,531,411,571,971,94
Palästina5,106,046,266,516,895,585,845,144,403,613,083,093,32
Yemen5,545,005,175,005,006,83
Kanada4,213,793,632,402,532,522,452,452,702,602,60
Bangladesch1,194,075,085,014,483,731,873,153,474,213,932,992,782,232,281,57
Bhutan8,507,7510,0011,719,509,219,339,4810,9010,1511,4212,0011,7511,0011,0011,00
Malediven5,356,316,336,026,757,347,286,986,986,587,028,057,887,887,20
Pakistan6,485,906,195,544,814,474,183,923,733,313,103,282,91
Sri Lanka5,133,322,984,622,220,340,973,402,572,702,53
Angola63,5854,329,7912,4513,0512,6612,8613,5710,249,4613,8012,8813,4512,3613,01
Benin0,44-3,27-3,24-2,95-2,37-1,92-1,84-1,631,671,371,381,440,95
Botsuana1,766,066,485,865,857,397,086,475,455,185,434,984,804,193,824,64
Burkina Faso1,26-3,27-3,24-2,95-2,37-1,92-1,84-1,630,931,371,381,440,95
Kap Verde7,936,466,116,357,417,546,976,967,127,687,316,956,86
Komoren9,008,008,758,758,758,758,758,758,758,758,758,756,346,135,97
Côte d'Ivoire-0,56-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Demokratische Republik Kongo39,7530,4020,7314,6614,6915,7115,6716,4419,8821,2619,7617,55
Äthiopien4,893,54
Guinea0,1711,88
Guinea-Bissau2,76-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Kenia5,0814,247,809,819,428,158,678,146,907,875,994,774,945,035,395,19
Lesotho7,4212,207,507,547,737,277,077,618,2410,4710,369,969,687,066,557,33
Liberia14,3513,6010,7010,7210,029,629,349,569,748,22
Madagaskar5,3011,799,5035,7141,8545,7348,8349,0542,0545,0045,0042,6436,0035,6834,5335,46
Mali1,07-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Mauretanien5,0016,1715,089,009,0012,9813,6612,5312,3411,6711,33
Mauritius5,4411,1613,790,531,812,431,691,722,413,355,455,164,705,506,176,29
Mosambik9,3411,676,586,125,386,536,226,3310,4210,779,439,9010,2911,1512,35
Namibia7,894,374,724,454,444,314,454,614,204,144,284,173,713,924,89
Niger3,19-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Nigeria4,005,529,587,4211,0610,338,398,787,217,709,378,007,206,489,007,286,37
Ruanda7,007,1110,248,927,867,399,029,099,389,469,448,888,708,138,72
Sao Tome und Principe18,9617,7614,5913,2813,3314,2516,4115,4515,4416,0815,6815,8916,11
Senegal-0,56-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Seychellen6,105,976,059,849,118,898,869,329,208,878,639,029,028,146,377,43
Sierra Leone12,0017,0112,7911,7810,6910,6111,6512,8114,2410,8610,139,8811,5612,3013,4913,93
Südafrika4,583,373,333,313,353,323,263,293,133,083,122,833,233,73
Südsudan10,0512,2017,2712,589,359,4216,0015,5916,0116,0516,23
Swasiland5,767,476,615,906,156,296,426,496,777,317,556,556,445,495,475,96
Vereinigte Republik Tansania14,1910,527,928,186,015,896,446,215,466,599,219,8710,00
Gambia15,1711,5017,5812,3816,2516,5014,5611,9913,2319,0019,9021,1614,67
Togo1,15-3,27-3,24-2,95-2,37-1,92-1,84-1,63-1,35
Uganda7,4213,0810,8512,498,499,3511,1710,779,8310,6511,5810,46
Sambia9,4518,5617,0213,5211,815,153,033,704,264,723,492,992,010,76
Zimbabwe1,843,023,644,6013,2128,4937,4297,09