{"help": "https://data.iadb.org/api/3/action/help_show?name=resource_show", "success": true, "result": {"access_url": "https://data.iadb.org/dataset/abea491d-2123-4aed-b94a-5dcd057e4fad/resource/4ec720c7-ebed-406f-9d45-b31e54d2ebea", "cache_last_updated": null, "cache_url": null, "created": "2026-06-24T03:02:46.241514", "data_notes": {"en": "### What does the Bank Lending Rate measure?\n\nIt measures the average interest rate that banks charge on credit extended to their customers. It is a standard gauge of the cost of borrowing and of credit conditions in an economy.\n\n### How many countries and which frequencies and period does it cover?\n\nThe series covers 26 countries across Latin America and the Caribbean. It is offered at annual, monthly, and quarterly frequency and spans the period 1990\u20132026.\n\n### What units are available for this indicator?\n\nValues are available as a nominal rate and in real terms. Each is provided as a level, as an average of period, and as an end of period value, so you can choose nominal or inflation-adjusted lending costs.\n\n### Where does the Bank Lending Rate data come from?\n\nData are compiled from national central banks and statistical agencies, including the Banco Central do Brasil, Banco de Mexico (Banxico), Banco Central de Chile, Banco de la Rep\u00fablica de Colombia, the Central Bank of The Bahamas, and the Bank of Jamaica, among others.\n\n### How is the rate defined across sources?\n\nEach source follows its own market-determined lending measure. For Brazil, the series uses the average interest rate on nonearmarked new credit operations, converted to a nominal annual rate, because it better reflects market-driven credit pricing.\n\n### What is this indicator typically used for?\n\nIt is used to monitor the cost of credit and financial conditions, compare borrowing costs across Latin American and Caribbean economies, assess monetary policy transmission, and support macroeconomic and financial-sector research.\n\n### How do I cite this indicator?\n\nCite it as: Inter-American Development Bank (IDB), Latin Macro Watch \u2014 \"Bank Lending Rate\". data.iadb.org/dataset/latin-macro-watch-dataset.", "es": "### \u00bfQu\u00e9 mide la tasa activa bancaria?\n\nMide la tasa de inter\u00e9s promedio que los bancos cobran por el cr\u00e9dito otorgado a sus clientes. Es una medida habitual del costo del financiamiento y de las condiciones crediticias de una econom\u00eda.\n\n### \u00bfCu\u00e1ntos pa\u00edses y qu\u00e9 frecuencias y per\u00edodo abarca?\n\nLa serie abarca 26 pa\u00edses de Am\u00e9rica Latina y el Caribe. Se ofrece con frecuencia anual, mensual y trimestral y cubre el per\u00edodo 1990\u20132026.\n\n### \u00bfQu\u00e9 unidades est\u00e1n disponibles para este indicador?\n\nLos valores est\u00e1n disponibles como tasa nominal y en t\u00e9rminos reales. Cada uno se ofrece como nivel, promedio del per\u00edodo y fin del per\u00edodo, de modo que puede elegir el costo nominal o el ajustado por inflaci\u00f3n.\n\n### \u00bfDe d\u00f3nde provienen los datos de la tasa activa bancaria?\n\nLos datos se compilan a partir de bancos centrales y organismos estad\u00edsticos nacionales, como el Banco Central do Brasil, el Banco de Mexico (Banxico), el Banco Central de Chile, el Banco de la Rep\u00fablica de Colombia, el Central Bank of The Bahamas y el Bank of Jamaica, entre otros.\n\n### \u00bfC\u00f3mo se define la tasa entre las distintas fuentes?\n\nCada fuente sigue su propia medida de cr\u00e9dito determinada por el mercado. Para Brasil, la serie usa la tasa de inter\u00e9s promedio de nuevas operaciones de cr\u00e9dito no direccionado, convertida a tasa nominal anual, por reflejar mejor la formaci\u00f3n de precios del cr\u00e9dito de mercado.\n\n### \u00bfPara qu\u00e9 se utiliza habitualmente este indicador?\n\nSe utiliza para monitorear el costo del cr\u00e9dito y las condiciones financieras, comparar el costo del financiamiento entre econom\u00edas de Am\u00e9rica Latina y el Caribe, evaluar la transmisi\u00f3n de la pol\u00edtica monetaria y apoyar la investigaci\u00f3n macroecon\u00f3mica y del sector financiero.\n\n### \u00bfC\u00f3mo cito este indicador?\n\nC\u00edtelo como: Banco Interamericano de Desarrollo (BID), Latin Macro Watch \u2014 \u00abBank Lending Rate\u00bb. data.iadb.org/dataset/latin-macro-watch-dataset.", "fr": "### Que mesure le taux d'int\u00e9r\u00eat d\u00e9biteur bancaire ?\n\nIl mesure le taux d'int\u00e9r\u00eat moyen appliqu\u00e9 par les banques sur le cr\u00e9dit accord\u00e9 \u00e0 leurs clients. C'est un indicateur courant du co\u00fbt de l'emprunt et des conditions de cr\u00e9dit d'une \u00e9conomie.\n\n### Combien de pays et quelles fr\u00e9quences et p\u00e9riode couvre-t-il ?\n\nLa s\u00e9rie couvre 26 pays d'Am\u00e9rique latine et des Cara\u00efbes. Elle est propos\u00e9e \u00e0 fr\u00e9quence annuelle, mensuelle et trimestrielle sur la p\u00e9riode 1990\u20132026.\n\n### Quelles unit\u00e9s sont disponibles pour cet indicateur ?\n\nLes valeurs sont disponibles en taux nominal et en termes r\u00e9els. Chacune est fournie en niveau, en moyenne de p\u00e9riode et en fin de p\u00e9riode, afin de choisir un co\u00fbt nominal ou corrig\u00e9 de l'inflation.\n\n### D'o\u00f9 proviennent les donn\u00e9es du taux d\u00e9biteur bancaire ?\n\nLes donn\u00e9es proviennent des banques centrales et organismes statistiques nationaux, dont le Banco Central do Brasil, le Banco de Mexico (Banxico), le Banco Central de Chile, le Banco de la Rep\u00fablica de Colombia, le Central Bank of The Bahamas et le Bank of Jamaica, entre autres.\n\n### Comment le taux est-il d\u00e9fini selon les sources ?\n\nChaque source suit sa propre mesure de cr\u00e9dit d\u00e9termin\u00e9e par le march\u00e9. Pour le Br\u00e9sil, la s\u00e9rie utilise le taux d'int\u00e9r\u00eat moyen des nouvelles op\u00e9rations de cr\u00e9dit non fl\u00e9ch\u00e9, converti en taux nominal annuel, car il refl\u00e8te mieux la tarification du cr\u00e9dit de march\u00e9.\n\n### \u00c0 quoi sert g\u00e9n\u00e9ralement cet indicateur ?\n\nIl sert \u00e0 suivre le co\u00fbt du cr\u00e9dit et les conditions financi\u00e8res, \u00e0 comparer le co\u00fbt de l'emprunt entre les \u00e9conomies d'Am\u00e9rique latine et des Cara\u00efbes, \u00e0 \u00e9valuer la transmission de la politique mon\u00e9taire et \u00e0 appuyer la recherche macro\u00e9conomique et financi\u00e8re.\n\n### Comment citer cet indicateur ?\n\nCitez-le ainsi : Banque interam\u00e9ricaine de d\u00e9veloppement (BID), Latin Macro Watch \u2014 \u00ab Bank Lending Rate \u00bb. data.iadb.org/dataset/latin-macro-watch-dataset.", "pt_BR": "### O que a taxa de juros de empr\u00e9stimos banc\u00e1rios mede?\n\nMede a taxa de juros m\u00e9dia cobrada pelos bancos sobre o cr\u00e9dito concedido aos seus clientes. \u00c9 uma medida usual do custo do cr\u00e9dito e das condi\u00e7\u00f5es de cr\u00e9dito de uma economia.\n\n### Quantos pa\u00edses e quais frequ\u00eancias e per\u00edodo abrange?\n\nA s\u00e9rie abrange 26 pa\u00edses da Am\u00e9rica Latina e do Caribe. \u00c9 oferecida em frequ\u00eancia anual, mensal e trimestral e cobre o per\u00edodo de 1990\u20132026.\n\n### Quais unidades est\u00e3o dispon\u00edveis para este indicador?\n\nOs valores est\u00e3o dispon\u00edveis em taxa nominal e em termos reais. Cada um \u00e9 fornecido como n\u00edvel, m\u00e9dia do per\u00edodo e fim do per\u00edodo, permitindo escolher o custo nominal ou ajustado pela infla\u00e7\u00e3o.\n\n### De onde v\u00eam os dados da taxa de empr\u00e9stimos banc\u00e1rios?\n\nOs dados s\u00e3o compilados a partir de bancos centrais e \u00f3rg\u00e3os estat\u00edsticos nacionais, incluindo o Banco Central do Brasil, o Banco de Mexico (Banxico), o Banco Central de Chile, o Banco de la Rep\u00fablica de Colombia, o Central Bank of The Bahamas e o Bank of Jamaica, entre outros.\n\n### Como a taxa \u00e9 definida entre as fontes?\n\nCada fonte segue sua pr\u00f3pria medida de cr\u00e9dito determinada pelo mercado. Para o Brasil, a s\u00e9rie usa a taxa de juros m\u00e9dia das novas opera\u00e7\u00f5es de cr\u00e9dito n\u00e3o direcionado, convertida para taxa nominal anual, por refletir melhor a forma\u00e7\u00e3o de pre\u00e7os do cr\u00e9dito de mercado.\n\n### Para que este indicador \u00e9 normalmente utilizado?\n\n\u00c9 usado para monitorar o custo do cr\u00e9dito e as condi\u00e7\u00f5es financeiras, comparar o custo do cr\u00e9dito entre economias da Am\u00e9rica Latina e do Caribe, avaliar a transmiss\u00e3o da pol\u00edtica monet\u00e1ria e apoiar pesquisas macroecon\u00f4micas e do setor financeiro.\n\n### Como fa\u00e7o para citar este indicador?\n\nCite assim: Banco Interamericano de Desenvolvimento (BID), Latin Macro Watch \u2014 \"Bank Lending Rate\". data.iadb.org/dataset/latin-macro-watch-dataset."}, "datastore_active": true, "datastore_contains_all_records_of_source_file": false, "description": "The **Bank Lending Rate** is the average interest rate that banks charge on credit extended to their customers, a core indicator for tracking the cost of borrowing across **Latin America and the Caribbean**. Published by the Inter-American Development Bank (IDB) as part of the **Latin Macro Watch** database, it lets analysts, policymakers, and researchers compare the price of bank credit consistently across the region and over time.\n\n### Coverage\nThe series spans **26 countries** in Latin America and the Caribbean at annual, monthly, and quarterly frequency, covering the period **1990\u20132026**. Values are available as a nominal rate (level, average of period, and end of period) and in real terms (level, average of period, and end of period), so users can study both headline and inflation-adjusted lending costs.\n\n### Sources\nData are compiled from national central banks and statistical agencies, including the **Banco Central do Brasil**, **Banco de Mexico (Banxico)**, **Banco Central de Chile**, **Banco de la Rep\u00fablica de Colombia**, the **Central Bank of The Bahamas**, and the **Bank of Jamaica**, among others. Definitions follow each source's market-determined lending measures; for example, Brazil uses an average rate on nonearmarked new credit operations converted to an annual basis, which more accurately reflects market-driven credit pricing.", "format": "CSV", "hash": "", "id": "4ec720c7-ebed-406f-9d45-b31e54d2ebea", "indicator_category": "Financial Markets", "is_indicator": true, "language": ["en"], "last_modified": "2026-06-24T05:34:00.690583", "metadata_modified": "2026-06-24T19:22:47.210434", "mimetype_inner": null, "name": "Bank Lending Rate", "package_id": "abea491d-2123-4aed-b94a-5dcd057e4fad", "position": 518, "resource_type": null, "rights": {"en": "", "es": "", "fr": "", "pt_BR": ""}, "size": null, "state": "active", "theme": {}, "url": ""}}