Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator.
| 1970 | 1990 | 2000 | 2005 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Azerbaijan | 6.37 | 2.01 | 6.04 | -4.51 | 15.07 | 17.72 | 19.45 | 28.89 | 1.52 | 0.27 | 4.69 | 17.54 | 26.67 | -4.25 | -16.52 | 25.68 | 16.31 | ||
| Kyrgyz Republic | 23.05 | 13.41 | 12.44 | 1.06 | 13.20 | 17.59 | 10.81 | 19.53 | 17.43 | 12.69 | 15.53 | 8.36 | 11.10 | 0.54 | -0.83 | -0.63 | 14.36 | ||
| Armenia | 33.40 | 14.32 | 10.61 | 12.92 | 11.28 | 12.22 | 13.78 | 16.18 | 17.04 | 12.00 | 9.73 | 10.96 | 9.64 | 4.55 | 3.46 | 9.46 | 11.85 | ||
| Uzbekistan | 3.76 | 1.72 | 2.96 | 4.22 | -13.69 | -4.70 | 5.13 | 10.61 | 6.80 | 6.36 | 7.32 | 8.59 | |||||||
| Georgia | 8.91 | -0.05 | 5.33 | 14.48 | 14.34 | 7.00 | 6.75 | 10.12 | 3.66 | 7.38 | 6.56 | 4.64 | 2.07 | 5.10 | 10.26 | 7.91 | |||
| Ukraine | 11.00 | -6.38 | 1.93 | 1.55 | 9.64 | 11.83 | 1.57 | -12.28 | 1.83 | -4.68 | 3.13 | 10.69 | 3.62 | -9.22 | -12.09 | 1.87 | 6.51 | ||
| Norway | 1.75 | 3.94 | 6.49 | 4.74 | -1.03 | -3.58 | 3.81 | 5.35 | -14.92 | -19.60 | 18.43 | 6.37 | |||||||
| Iceland | 0.88 | 12.28 | 11.36 | 3.66 | 4.46 | 4.72 | 5.90 | 3.46 | 1.47 | 5.84 | 6.26 | 4.21 | 2.39 | 1.68 | -0.91 | -1.15 | 5.43 | 6.24 | |
| Bosnia and Herzegovina | 3.22 | 6.39 | 4.88 | 6.48 | 7.28 | 5.59 | 4.36 | 3.85 | 2.56 | 0.97 | 0.80 | 3.01 | -1.68 | -7.56 | -2.96 | 4.30 | |||
| Albania | 1.44 | 15.28 | 9.63 | 8.35 | 10.56 | 10.63 | 9.44 | 6.44 | 7.05 | 7.66 | 3.40 | 4.42 | 5.22 | 6.08 | 2.49 | -3.05 | 0.27 | 3.66 | |
| Italy | 5.45 | 5.18 | 3.16 | 3.41 | 2.82 | 3.46 | 3.97 | 3.93 | 3.32 | 2.22 | 2.27 | 1.59 | 1.54 | 0.74 | 0.73 | -1.15 | -0.97 | 3.08 | |
| North Macedonia | 7.27 | 8.48 | 5.67 | 7.99 | 3.83 | 6.23 | 5.35 | 3.43 | 3.70 | 2.10 | 4.70 | 3.77 | 0.55 | -3.89 | -2.16 | 2.90 | |||
| Montenegro | 7.74 | 7.80 | 8.38 | 9.37 | 7.17 | 8.29 | 6.57 | 2.73 | 3.25 | 3.20 | 4.07 | 6.09 | 0.99 | -5.98 | -3.80 | 2.54 | |||
| Moldova | 5.06 | 9.07 | -12.71 | 5.77 | 5.58 | 8.05 | 5.58 | 2.31 | 10.36 | 3.87 | 5.46 | 2.75 | 2.47 | 0.95 | -5.94 | 2.80 | 2.20 | ||
| Hungary | 2.47 | 2.74 | 5.77 | 4.93 | 6.27 | 5.95 | 3.37 | 0.73 | 0.09 | 0.76 | -2.46 | -3.22 | -2.83 | -4.20 | -3.02 | -3.09 | 0.08 | 1.69 | |
| Switzerland | 2.41 | 2.74 | 2.62 | 2.78 | 3.37 | 4.00 | 3.25 | 3.01 | 1.85 | 2.74 | 3.36 | 1.30 | -0.38 | 1.95 | 1.67 | ||||
| Belarus | -41.23 | -6.40 | -1.91 | -33.49 | -31.81 | -1.76 | 0.46 | 1.78 | 5.59 | 0.95 | -3.07 | 0.41 | -2.54 | -4.52 | -1.89 | 1.77 | 1.13 | ||
| Czechia | 5.31 | 5.65 | 6.40 | 5.95 | 4.01 | 3.65 | 1.89 | 3.01 | 2.38 | 1.87 | 0.71 | -0.15 | -1.12 | -0.80 | -4.09 | -3.18 | 0.70 | ||
| Romania | 7.45 | 6.78 | 7.68 | 7.83 | 7.24 | 9.00 | 6.64 | 3.39 | 3.01 | 0.87 | 0.59 | 0.20 | 2.28 | 0.00 | -3.87 | -3.06 | -0.04 | ||
| Bulgaria | 3.69 | 1.94 | 10.30 | 4.26 | 8.51 | 8.97 | 6.83 | 4.37 | 2.97 | 0.60 | 0.68 | -0.65 | 0.00 | -2.66 | -10.50 | -3.28 | -1.79 | ||
| United Kingdom | -1.83 | 6.38 | 4.79 | 1.66 | -1.07 | -1.66 | -1.03 | -1.58 | -0.81 | ||||||||||
| Canada | 3.29 | 10.36 | 2.78 | 1.26 | -0.24 | -0.24 | 1.76 | 1.24 | 1.04 | 3.67 | 1.97 | 0.13 | |||||||
| United States | 2.59 | 6.04 | 6.81 | 2.96 | 2.01 | 1.16 | 1.36 | 1.52 | 1.48 | 2.31 | 2.54 | 2.27 | 2.55 | 3.57 | 2.19 | -1.26 | |||
| Croatia | 7.40 | 7.83 | 9.37 | 7.88 | 7.96 | 8.45 | 8.44 | ||||||||||||
| Sweden | 4.14 | 2.75 | |||||||||||||||||
| Malta | 19.06 | 3.48 | 1.79 | 3.22 | 2.49 | 2.40 | |||||||||||||
| Mongolia | 22.28 | 8.72 | -13.73 | 1.29 | 4.73 | 15.13 | 10.77 | 18.84 | 16.26 | 8.31 | 9.03 | 6.39 | 12.75 | 1.39 | |||||
| Netherlands | 1.47 | 0.78 | 1.03 | 1.75 | 0.29 | 0.35 | |||||||||||||
| Russian Federation | -9.63 | -7.21 | -2.96 | -12.86 | 0.18 | 3.94 | 3.40 | 7.89 | 9.48 | 4.95 | -1.03 | 5.32 | 5.83 | -9.33 | -5.69 | 3.36 | |||
| Serbia | -0.29 | -9.12 | -0.18 | ||||||||||||||||
| Tajikistan | 12.57 | 9.73 | 8.06 | 8.25 | 19.98 | 18.87 | 17.75 | 24.27 | 18.07 | 24.10 | 19.19 | ||||||||
| San Marino | 5.42 | 3.90 | 5.76 | 3.26 | 4.53 | 5.70 | 3.26 | 1.68 | 2.28 | 2.06 | 3.04 | 3.38 | 1.66 | 1.01 |