Guyana: Real interest rate

* indicates monthly or quarterly data series
 Guyana

Real interest rate: Bank lending rate minus inflation

 Latest value 17.56
 Year 2025
 Measure percent
 Data availability 1981 - 2025
 Average 3.96
 Min - Max -58.33 - 48.52
 Source The International Monetary Fund
 Available for Data download
The latest value from 2025 is 17.56 percent, an increase from 6.92 percent in 2024. In comparison, the world average is 5.78 percent, based on data from 64 countries. Historically, the average for Guyana from 1981 to 2025 is 3.96 percent. The minimum value, -58.33 percent, was reached in 2006 while the maximum of 48.52 percent was recorded in 2020. See the global rankings for that indicator or use the country comparator to compare trends over time.
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 Recent values Guyana: Real interest rate
 2025 17.56
 2024 6.92
 2023 26.14
 2022 -3.25
 2021 -11.06
 2020 48.52
 2019 7.30
 2018 16.36




Definition: An interest rate is the amount charged, expressed as a percentage of the principal over a period of time, by the owners of certain kinds of financial assets for putting the financial assets at the disposal of another institutional unit. The real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. This indicator is expressed as a percentage (a÷b)*100.

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 Related indicators Latest Reference Measure
 Lending-deposit interest rate spread 8.62 2020 interest rate points
 Bank cost to income ratio 46.07 2021 percent
 Bank overhead cost 2.60 2021 percent
 Net interest margin 5.52 2021 percent
 Bank credit to deposits 60.26 2021 percent
 Return on assets 2.86 2021 percent
 Return on equity 20.49 2021 percent
 Banking system z-scores 26.12 2021 index points
 Liquid assets to deposits 30.24 2021 percent
 Non-interest income to total income 28.20 2021 percent
 Lending interest rate 8.23 2025 percent
 Real interest rate 17.56 2025 percent
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