Economy > Debt > Banks Stats: compare key data on Germany & Guinea
Definitions
- Commercial bank branches > Per 100,000 adults: Commercial bank branches (per 100,000 adults). Commercial bank branches are retail locations of resident commercial banks and other resident banks that function as commercial banks that provide financial services to customers and are physically separated from the main office but not organized as legally separated subsidiaries.
- Deposit interest rate > %: Deposit interest rate (%). Deposit interest rate is the rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
- Interest rate spread > Lending rate minus deposit rate, %: Interest rate spread (lending rate minus deposit rate, %). Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
- Lending interest rate > %: Lending interest rate (%). Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
- Real interest rate > %: Real interest rate (%). Real interest rate is the lending interest rate adjusted for inflation as measured by the GDP deflator.
- Risk premium on lending > Prime rate minus treasury bill rate, %: Risk premium on lending (prime rate minus treasury bill rate, %). Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the "risk free" treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability.
SOURCES: International Monetary Fund, Financial Access Survey. World Bank World Development Indicators.; International Monetary Fund, International Financial Statistics and data files. World Bank World Development Indicators.; International Monetary Fund, International Financial Statistics and data files using World Bank data on the GDP deflator. World Bank World Development Indicators.; International Monetary Fund, International Financial Statistics database. World Bank World Development Indicators.
