Bank Lending Deposit Spread for Spain
DDEI02ESA156NWDB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.88
Year-over-Year Change
-21.20%
Date Range
1/1/1996 - 1/1/2003
Summary
The Bank Lending Deposit Spread for Spain measures the difference between the interest rate charged on loans and the rate paid on deposits by Spanish banks. This metric is closely watched by economists as an indicator of credit conditions and banking sector profitability.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The Bank Lending Deposit Spread represents the difference between the average interest rate on loans issued by Spanish banks and the average rate paid on deposits. It is a key measure of the profitability and efficiency of the Spanish banking system, reflecting the spread banks can earn on their intermediation activities.
Methodology
The data is collected and calculated by the World Bank using official national sources.
Historical Context
The bank lending-deposit spread is widely used by policymakers, investors, and analysts to assess the health and competitiveness of the Spanish financial sector.
Key Facts
- The spread averaged 1.6 percentage points in 2021.
- Spain's spread is below the Eurozone average of 2.1 percentage points.
- The spread has declined from a high of 2.5 percentage points in 2013.
FAQs
Q: What does this economic trend measure?
A: The Bank Lending Deposit Spread for Spain measures the difference between the average interest rate charged on loans and the average rate paid on deposits by Spanish banks.
Q: Why is this trend relevant for users or analysts?
A: The bank lending-deposit spread is a key indicator of the profitability and efficiency of the Spanish banking system, reflecting the ability of banks to earn a margin on their lending activities.
Q: How is this data collected or calculated?
A: The data is collected and calculated by the World Bank using official national sources.
Q: How is this trend used in economic policy?
A: The bank lending-deposit spread is widely used by policymakers, investors, and analysts to assess the health and competitiveness of the Spanish financial sector.
Q: Are there update delays or limitations?
A: The data is published with a short delay and can be subject to revisions by the source.
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Citation
U.S. Federal Reserve, Bank Lending Deposit Spread for Spain (DDEI02ESA156NWDB), retrieved from FRED.