{"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/50c3916e-99e9-4a12-a69d-0f3623c7714b", "cache_last_updated": null, "cache_url": null, "created": "2026-06-24T03:18:41.377864", "data_notes": {"en": "### What does the Bank Savings Rate measure?\n\nThe Bank Savings Rate is the deposit rate: the average interest rate that banks pay on deposits placed by customers. It captures the return savers receive and the funding cost banks face.\n\n### How many countries are covered and at what frequency?\n\nThe indicator covers 26 countries across Latin America and the Caribbean, available at annual, monthly, and quarterly frequency for the period 1990\u20132026.\n\n### What units are available?\n\nValues are available as the nominal rate and in real terms, each provided as the average of the period or end of period. This series does not include derived transformations.\n\n### How is the rate measured in some countries?\n\nWhere applicable, the passive rate is measured as the BADLAR TNA on time deposits in pesos or dollars over one million, with 30\u201335-day maturities, averaged across reporting public and private banks. For some series the indicator resembles SGS series 25433, expressed in percent per month and converted to a nominal annual rate by multiplying by 12.\n\n### Where do the data come from?\n\nThe IDB compiles the series from national central banks, statistical offices, and supervisory authorities across the region, including Banco Central de Chile, Banco Central do Brasil, Banco de la Rep\u00fablica de Colombia, Banco de Mexico (Banxico), Superintendencia de Bancos de Panama, and Bank of Jamaica, among others.\n\n### What is this indicator typically used for?\n\nAnalysts use the deposit rate to study the cost of bank funding, household savings incentives, and the transmission of monetary policy, comparing nominal and real returns across Latin America and the Caribbean.\n\n### How do I cite this indicator?\n\nCite it as: Inter-American Development Bank (IDB), Latin Macro Watch \u2014 \"Bank Savings Rate\". data.iadb.org/dataset/latin-macro-watch-dataset.", "es": "### \u00bfQu\u00e9 mide la tasa pasiva bancaria?\n\nLa tasa pasiva bancaria es la tasa de dep\u00f3sitos: el tipo de inter\u00e9s promedio que los bancos pagan por los dep\u00f3sitos colocados por los clientes. Refleja el rendimiento que reciben los ahorradores y el costo de financiamiento que enfrentan los bancos.\n\n### \u00bfCu\u00e1ntos pa\u00edses se cubren y con qu\u00e9 frecuencia?\n\nEl indicador cubre 26 pa\u00edses de Am\u00e9rica Latina y el Caribe, disponible con frecuencia anual, mensual y trimestral para el per\u00edodo 1990\u20132026.\n\n### \u00bfQu\u00e9 unidades est\u00e1n disponibles?\n\nLos valores est\u00e1n disponibles como tasa nominal y en t\u00e9rminos reales, cada uno como promedio del per\u00edodo o fin del per\u00edodo. Esta serie no incluye transformaciones derivadas.\n\n### \u00bfC\u00f3mo se mide la tasa en algunos pa\u00edses?\n\nCuando corresponde, la tasa pasiva se mide como la BADLAR TNA sobre dep\u00f3sitos a plazo en pesos o d\u00f3lares de m\u00e1s de un mill\u00f3n, con vencimientos de 30 a 35 d\u00edas, promediada entre los bancos p\u00fablicos y privados que reportan. Para algunas series, el indicador se asemeja a la serie SGS 25433, expresada en porcentaje por mes y convertida a tasa nominal anual multiplicando por 12.\n\n### \u00bfDe d\u00f3nde provienen los datos?\n\nEl BID compila la serie a partir de bancos centrales, oficinas estad\u00edsticas y autoridades de supervisi\u00f3n de la regi\u00f3n, entre ellos Banco Central de Chile, Banco Central do Brasil, Banco de la Rep\u00fablica de Colombia, Banco de Mexico (Banxico), Superintendencia de Bancos de Panama y Bank of Jamaica, entre otros.\n\n### \u00bfPara qu\u00e9 se utiliza t\u00edpicamente este indicador?\n\nLos analistas utilizan la tasa de dep\u00f3sitos para estudiar el costo de financiamiento bancario, los incentivos al ahorro de los hogares y la transmisi\u00f3n de la pol\u00edtica monetaria, comparando rendimientos nominales y reales en Am\u00e9rica Latina y el Caribe.\n\n### \u00bfC\u00f3mo cito este indicador?\n\nC\u00edtelo as\u00ed: Banco Interamericano de Desarrollo (BID), Latin Macro Watch \u2014 \"Bank Savings Rate\" (Tasa pasiva bancaria). data.iadb.org/dataset/latin-macro-watch-dataset.", "fr": "### Que mesure le taux de r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts bancaires ?\n\nLe taux de r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts bancaires correspond au taux des d\u00e9p\u00f4ts : le taux d'int\u00e9r\u00eat moyen que les banques versent sur les d\u00e9p\u00f4ts plac\u00e9s par les clients. Il refl\u00e8te le rendement per\u00e7u par les \u00e9pargnants et le co\u00fbt de financement des banques.\n\n### Combien de pays sont couverts et \u00e0 quelle fr\u00e9quence ?\n\nL'indicateur couvre 26 pays d'Am\u00e9rique latine et des Cara\u00efbes, disponible en fr\u00e9quence annuelle, mensuelle et trimestrielle pour la p\u00e9riode 1990\u20132026.\n\n### Quelles unit\u00e9s sont disponibles ?\n\nLes valeurs sont disponibles sous forme de taux nominal et en termes r\u00e9els, chacune fournie en moyenne de la p\u00e9riode ou en fin de p\u00e9riode. Cette s\u00e9rie ne comporte pas de transformations d\u00e9riv\u00e9es.\n\n### Comment le taux est-il mesur\u00e9 dans certains pays ?\n\nLe cas \u00e9ch\u00e9ant, le taux passif est mesur\u00e9 comme le BADLAR TNA sur les d\u00e9p\u00f4ts \u00e0 terme en pesos ou en dollars sup\u00e9rieurs \u00e0 un million, \u00e0 \u00e9ch\u00e9ance de 30 \u00e0 35 jours, moyenn\u00e9 entre les banques publiques et priv\u00e9es d\u00e9clarantes. Pour certaines s\u00e9ries, l'indicateur ressemble \u00e0 la s\u00e9rie SGS 25433, exprim\u00e9e en pourcentage par mois et convertie en taux nominal annuel en multipliant par 12.\n\n### D'o\u00f9 proviennent les donn\u00e9es ?\n\nLa BID compile la s\u00e9rie \u00e0 partir des banques centrales, des offices statistiques et des autorit\u00e9s de supervision de la r\u00e9gion, dont Banco Central de Chile, Banco Central do Brasil, Banco de la Rep\u00fablica de Colombia, Banco de Mexico (Banxico), Superintendencia de Bancos de Panama et Bank of Jamaica, entre autres.\n\n### \u00c0 quoi sert g\u00e9n\u00e9ralement cet indicateur ?\n\nLes analystes utilisent le taux des d\u00e9p\u00f4ts pour \u00e9tudier le co\u00fbt de financement des banques, les incitations \u00e0 l'\u00e9pargne des m\u00e9nages et la transmission de la politique mon\u00e9taire, en comparant les rendements nominaux et r\u00e9els en Am\u00e9rique latine et dans les Cara\u00efbes.\n\n### Comment citer cet indicateur ?\n\nCitez-le ainsi : Banque interam\u00e9ricaine de d\u00e9veloppement (BID), Latin Macro Watch \u2014 \"Bank Savings Rate\" (Taux de r\u00e9mun\u00e9ration des d\u00e9p\u00f4ts). data.iadb.org/dataset/latin-macro-watch-dataset.", "pt_BR": "### O que a taxa de juros de dep\u00f3sitos banc\u00e1rios mede?\n\nA taxa de juros de dep\u00f3sitos banc\u00e1rios \u00e9 a taxa de dep\u00f3sitos: a taxa de juros m\u00e9dia que os bancos pagam sobre os dep\u00f3sitos feitos pelos clientes. Reflete o retorno recebido pelos poupadores e o custo de capta\u00e7\u00e3o dos bancos.\n\n### Quantos pa\u00edses s\u00e3o cobertos e com que frequ\u00eancia?\n\nO indicador cobre 26 pa\u00edses da Am\u00e9rica Latina e do Caribe, dispon\u00edvel em frequ\u00eancia anual, mensal e trimestral para o per\u00edodo 1990\u20132026.\n\n### Quais unidades est\u00e3o dispon\u00edveis?\n\nOs valores est\u00e3o dispon\u00edveis como taxa nominal e em termos reais, cada um fornecido como m\u00e9dia do per\u00edodo ou fim do per\u00edodo. Esta s\u00e9rie n\u00e3o inclui transforma\u00e7\u00f5es derivadas.\n\n### Como a taxa \u00e9 medida em alguns pa\u00edses?\n\nQuando aplic\u00e1vel, a taxa passiva \u00e9 medida como a BADLAR TNA sobre dep\u00f3sitos a prazo em pesos ou d\u00f3lares acima de um milh\u00e3o, com vencimentos de 30 a 35 dias, calculada como m\u00e9dia entre os bancos p\u00fablicos e privados declarantes. Para algumas s\u00e9ries, o indicador se assemelha \u00e0 s\u00e9rie SGS 25433, expressa em percentual ao m\u00eas e convertida em taxa nominal anual multiplicando por 12.\n\n### De onde v\u00eam os dados?\n\nO BID compila a s\u00e9rie a partir de bancos centrais, institutos de estat\u00edstica e autoridades de supervis\u00e3o da regi\u00e3o, incluindo Banco Central de Chile, Banco Central do Brasil, Banco de la Rep\u00fablica de Colombia, Banco de Mexico (Banxico), Superintendencia de Bancos de Panama e Bank of Jamaica, entre outros.\n\n### Para que esse indicador \u00e9 normalmente usado?\n\nOs analistas utilizam a taxa de dep\u00f3sitos para estudar o custo de capta\u00e7\u00e3o dos bancos, os incentivos \u00e0 poupan\u00e7a das fam\u00edlias e a transmiss\u00e3o da pol\u00edtica monet\u00e1ria, comparando retornos nominais e reais na Am\u00e9rica Latina e no Caribe.\n\n### Como fa\u00e7o para citar este indicador?\n\nCite assim: Banco Interamericano de Desenvolvimento (BID), Latin Macro Watch \u2014 \"Bank Savings Rate\" (Taxa de juros de dep\u00f3sitos banc\u00e1rios). data.iadb.org/dataset/latin-macro-watch-dataset."}, "datastore_active": true, "datastore_contains_all_records_of_source_file": false, "description": "The Bank Savings Rate is the deposit rate \u2014 the average interest rate that banks pay on deposits placed by customers. As a key passive rate, it is widely used to monitor the cost of funding for the banking system, household savings incentives, and the transmission of monetary policy across the region. This series is part of Latin Macro Watch, the macroeconomic database published by the Inter-American Development Bank (IDB) on data.iadb.org, and it sits within the Financial Markets category.\n\n### Coverage\nThe indicator is available for 26 countries across Latin America and the Caribbean at annual, monthly, and quarterly frequency, covering the period 1990\u20132026. Values can be retrieved as the nominal rate or in real terms, each available as the average of the period or end of period.\n\n### Notes\nWhere applicable, the passive rate is measured as the BADLAR TNA on time deposits in pesos or dollars over one million, with 30\u201335-day maturities, averaged across reporting public and private banks. For some series this indicator resembles SGS series 25433 (month average interest rate of new credit operations \u2014 total), expressed in percent per month (% p.m.) and converted to a nominal annual rate by multiplying by 12.\n\n### Sources\nThe data are compiled by the IDB from national central banks, statistical offices, and supervisory authorities across the region, including Banco Central de Chile, Banco Central do Brasil, Banco de la Rep\u00fablica de Colombia, Banco de Mexico (Banxico), Superintendencia de Bancos de Panama, and Bank of Jamaica, among others.", "format": "CSV", "hash": "", "id": "50c3916e-99e9-4a12-a69d-0f3623c7714b", "indicator_category": "Financial Markets", "is_indicator": true, "language": ["en"], "last_modified": "2026-06-24T10:05:02.074220", "metadata_modified": "2026-06-24T19:25:35.564500", "mimetype_inner": null, "name": "Bank Savings Rate", "package_id": "abea491d-2123-4aed-b94a-5dcd057e4fad", "position": 520, "resource_type": null, "rights": {"en": "", "es": "", "fr": "", "pt_BR": ""}, "size": null, "state": "active", "theme": {}, "url": ""}}