Real interest rate and lending–deposit spread

World BankPeriod 2016~2025Retrieved 2026-11-09

The lending rate adjusted for inflation, and the gap between lending and deposit rates.

2016: 1.28% → 2025: 1.03% (down 0.24 pp). Highest: 2019 (4.1%).

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Real interest rate and lending–deposit spread · 2016~2025 (unit: %)
YearReal interest rateInterest rate spread (lending–deposit)
20161.27871.81
20171.4291.8067
20183.07851.6367
20194.09561.5933
20201.19551.6408
2021-0.28721.6875
20222.44051.1708
20233.08771.345
20240.63451.245
20251.0341.4583

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Reference (APA 7th)

World Bank. (2026). Real interest rate (%); Interest rate spread (lending rate minus deposit rate, %) – Korea, Rep. [Data set]. World Development Indicators. Retrieved November 9, 2026, from https://data.worldbank.org/indicator/FR.INR.RINR?locations=KR

Source https://data.worldbank.org/indicator/FR.INR.RINR?locations=KR

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