Data · Finance & banking
Bank lending-deposit spread: Vietnam, 1993–2020
- Latest (2020)
- 3.53 percentage points
- Source
- World Bank
- Code
- GFDD.EI.02
- Frequency
- Yearly
Definition
Raw data are from the electronic version of the IMF’s International Financial Statistics. Difference between lending rate and deposit rate. Lending rate is the rate charged by banks on loans to the private sector and deposit interest rate is the rate offered by commercial banks on three-month deposits. IFS line 60P - line 60L.
What the series shows
The series runs from 1993 to 2020 (25 years of data). It moved from 10.14 to 3.53 percentage points, a change of -65.2%. The highest value was 10.14 in 1993 and the lowest 1.93 in 2016. The comparison below sets Vietnam against 8 neighbouring economies on the latest available year.
Using it in a thesis
Indicators like this one are typical control or explanatory variables in macro and finance theses: merge the CSV with your other series on the year column, check for missing years before running a regression, and log-transform level variables that grow over time. If you use the series in a panel with other countries, take every country from the same source and vintage so the definitions match. Cite the original publisher, not this site, as shown below.
Values by year
| Year | Value (percentage points) |
|---|---|
| 2020 | 3.53 |
| 2019 | 2.73 |
| 2018 | 2.63 |
| 2017 | 2.26 |
| 2016 | 1.93 |
| 2015 | 2.37 |
| 2014 | 2.91 |
| 2013 | 3.23 |
| 2012 | 2.97 |
| 2011 | 2.96 |
| 2010 | 1.94 |
| 2009 | 2.16 |
| 2008 | 3.05 |
| 2007 | 3.69 |
| 2006 | 3.55 |
| 2005 | 3.88 |
| 2004 | 3.55 |
| 2003 | 2.86 |
| 2002 | 2.61 |
| 2001 | 4.12 |
| 2000 | 6.90 |
| 1999 | 5.33 |
| 1998 | 5.17 |
| 1997 | 5.90 |
| 1993 | 10.14 |
Comparison with other countries
| Country | Latest year | Value |
|---|---|---|
| Vietnam | 2020 | 3.53 |
| Thailand | 2020 | 2.67 |
| Indonesia | 2020 | 4.04 |
| Malaysia | 2020 | 1.99 |
| Philippines | 2019 | 3.01 |
| Singapore | 2020 | 5.07 |
| Laos | 2010 | 19.61 |
| Myanmar | 2020 | 9.00 |
| China | 2020 | 2.85 |
How to cite (APA 7)
World Bank. (2022). Bank lending-deposit spread, Vietnam [Data set]. Global Financial Development Database. https://databank.worldbank.org/source/global-financial-development
Licence: Creative Commons Attribution 4.0 International (CC BY 4.0). Retrieved 2026-11-02. The CSV has one row per period
with the variable name gfdd_ei_02, ready for Stata, R or SPSS.