Uruguay: Real interest rate

* indicates monthly or quarterly data series
 Uruguay

Real interest rate: Bank lending rate minus inflation

 Latest value 5.49
 Year 2025
 Measure percent
 Data availability 1976 - 2025
 Average 17.51
 Min - Max -8.74 - 93.92
 Source The International Monetary Fund
 Available for Data download
The latest value from 2025 is 5.49 percent, unchanged from 5.49 percent in 2024. In comparison, the world average is 5.78 percent, based on data from 64 countries. Historically, the average for Uruguay from 1976 to 2025 is 17.51 percent. The minimum value, -8.74 percent, was reached in 1979 while the maximum of 93.92 percent was recorded in 2002. See the global rankings for that indicator or use the country comparator to compare trends over time.
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 Recent values Uruguay: Real interest rate
 2025 5.49
 2024 5.49
 2023 7.54
 2022 4.60
 2021 -3.26
 2020 0.46
 2019 3.05
 2018 4.35




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 6.44 2020 interest rate points
 Bank cost to income ratio 55.15 2021 percent
 Non-performing loans 1.52 2024 percent
 Bank overhead cost 2.80 2021 percent
 Net interest margin 4.62 2021 percent
 Bank credit to deposits 49.75 2021 percent
 Regulatory capital to risk-weighted assets 17.68 2020 percent
 Return on assets 2.02 2021 percent
 Return on equity 20.01 2021 percent
 Banking system z-scores 6.08 2021 index points
 Liquid assets to deposits 49.57 2021 percent
 Banking system capital to assets 10.58 2020 percent
 Non-interest income to total income 29.39 2021 percent
 Lending interest rate 10.06 2025 percent
 Real interest rate 5.49 2025 percent
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