{"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/694a6d0b-d4a4-429b-9628-6de36a4d7e8a", "cache_last_updated": null, "cache_url": null, "created": "2026-06-24T10:22:44.818980", "data_notes": {"en": "### What does the Lending-Deposit Spread measure?\n\nIt measures the difference between the average lending rate banks charge on loans and the average deposit rate they pay on deposits, a common gauge of bank intermediation costs and financial-sector efficiency.\n\n### How many countries and which frequencies and period are covered?\n\nThe indicator covers 26 countries across Latin America and the Caribbean at annual, monthly and quarterly frequency, spanning 1990\u20132026.\n\n### What units are available and how is the spread calculated?\n\nValues are expressed in percent. The spread is largely derived from internal IDB calculations based on national central-bank lending and deposit rates, rather than published directly by the source agencies.\n\n### Where does the data come from?\n\nIt is based on data from national central banks and statistical agencies, including the Central Bank of The Bahamas, the Banco Central do Brasil, the Banco de Mexico, the Banco Central de Chile and the Banco de la Rep\u00fablica de Colombia, compiled and harmonized by the IDB.\n\n### What is this indicator typically used for?\n\nIt is used to assess bank intermediation costs, financial-sector efficiency and competition, and to compare the cost of credit across Latin American and Caribbean economies over time.\n\n### How do I cite this indicator?\n\nCite it as: Inter-American Development Bank (IDB), Latin Macro Watch \u2014 \"Lending-Deposit Spread\". data.iadb.org/dataset/latin-macro-watch-dataset.", "es": "### \u00bfQu\u00e9 mide el diferencial entre tasas activa y pasiva?\n\nMide la diferencia entre la tasa activa promedio que cobran los bancos por los pr\u00e9stamos y la tasa pasiva promedio que pagan por los dep\u00f3sitos, un indicador habitual de los costos de intermediaci\u00f3n bancaria y la eficiencia del sector financiero.\n\n### \u00bfCu\u00e1ntos pa\u00edses y qu\u00e9 frecuencias y per\u00edodo se cubren?\n\nEl indicador cubre 26 pa\u00edses de Am\u00e9rica Latina y el Caribe con frecuencia anual, mensual y trimestral, abarcando 1990\u20132026.\n\n### \u00bfQu\u00e9 unidades hay disponibles y c\u00f3mo se calcula el diferencial?\n\nLos valores se expresan en porcentaje. El diferencial se obtiene en gran medida a partir de c\u00e1lculos internos del BID basados en las tasas activas y pasivas de los bancos centrales nacionales, en lugar de ser publicado directamente por los organismos de origen.\n\n### \u00bfDe d\u00f3nde provienen los datos?\n\nSe basa en datos de bancos centrales y organismos estad\u00edsticos nacionales, incluidos el Central Bank of The Bahamas, el Banco Central do Brasil, el Banco de Mexico, el Banco Central de Chile y el Banco de la Rep\u00fablica de Colombia, compilados y armonizados por el BID.\n\n### \u00bfPara qu\u00e9 se utiliza normalmente este indicador?\n\nSe utiliza para evaluar los costos de intermediaci\u00f3n bancaria, la eficiencia y la competencia del sector financiero, y para comparar el costo del cr\u00e9dito entre las econom\u00edas de Am\u00e9rica Latina y el Caribe a lo largo del tiempo.\n\n### \u00bfC\u00f3mo cito este indicador?\n\nC\u00edtelo as\u00ed: Banco Interamericano de Desarrollo (BID), Latin Macro Watch \u2014 \u00abDiferencial entre tasas activa y pasiva\u00bb. data.iadb.org/dataset/latin-macro-watch-dataset.", "fr": "### Que mesure l'\u00e9cart entre taux d\u00e9biteur et taux cr\u00e9diteur ?\n\nIl mesure la diff\u00e9rence entre le taux d\u00e9biteur moyen appliqu\u00e9 aux pr\u00eats et le taux cr\u00e9diteur moyen vers\u00e9 sur les d\u00e9p\u00f4ts, un indicateur courant des co\u00fbts d'interm\u00e9diation bancaire et de l'efficacit\u00e9 du secteur financier.\n\n### Combien de pays et quelles fr\u00e9quences et p\u00e9riode sont couverts ?\n\nL'indicateur couvre 26 pays d'Am\u00e9rique latine et des Cara\u00efbes \u00e0 fr\u00e9quence annuelle, mensuelle et trimestrielle, sur la p\u00e9riode 1990\u20132026.\n\n### Quelles unit\u00e9s sont disponibles et comment l'\u00e9cart est-il calcul\u00e9 ?\n\nLes valeurs sont exprim\u00e9es en pourcentage. L'\u00e9cart est en grande partie calcul\u00e9 en interne par la BID \u00e0 partir des taux d\u00e9biteurs et cr\u00e9diteurs des banques centrales nationales, plut\u00f4t que publi\u00e9 directement par les agences sources.\n\n### D'o\u00f9 proviennent les donn\u00e9es ?\n\nIl repose sur des donn\u00e9es des banques centrales et agences statistiques nationales, notamment le Central Bank of The Bahamas, le Banco Central do Brasil, le Banco de Mexico, le Banco Central de Chile et le Banco de la Rep\u00fablica de Colombia, compil\u00e9es et harmonis\u00e9es par la BID.\n\n### \u00c0 quoi sert g\u00e9n\u00e9ralement cet indicateur ?\n\nIl sert \u00e0 \u00e9valuer les co\u00fbts d'interm\u00e9diation bancaire, l'efficacit\u00e9 et la concurrence du secteur financier, et \u00e0 comparer le co\u00fbt du cr\u00e9dit entre les \u00e9conomies d'Am\u00e9rique latine et des Cara\u00efbes au fil du temps.\n\n### Comment citer cet indicateur ?\n\nCitez-le ainsi : Banque interam\u00e9ricaine de d\u00e9veloppement (BID), Latin Macro Watch \u2014 \u00ab \u00c9cart entre taux d\u00e9biteur et taux cr\u00e9diteur \u00bb. data.iadb.org/dataset/latin-macro-watch-dataset.", "pt_BR": "### O que o spread entre juros de empr\u00e9stimo e de dep\u00f3sito mede?\n\nMede a diferen\u00e7a entre a taxa de juros m\u00e9dia cobrada pelos bancos nos empr\u00e9stimos e a taxa m\u00e9dia paga nos dep\u00f3sitos, um indicador comum dos custos de intermedia\u00e7\u00e3o banc\u00e1ria e da efici\u00eancia do setor financeiro.\n\n### Quantos pa\u00edses e quais frequ\u00eancias e per\u00edodo s\u00e3o cobertos?\n\nO indicador abrange 26 pa\u00edses da Am\u00e9rica Latina e do Caribe em frequ\u00eancia anual, mensal e trimestral, no per\u00edodo de 1990\u20132026.\n\n### Quais unidades est\u00e3o dispon\u00edveis e como o spread \u00e9 calculado?\n\nOs valores s\u00e3o expressos em percentual. O spread \u00e9 em grande parte obtido a partir de c\u00e1lculos internos do BID baseados nas taxas de empr\u00e9stimo e de dep\u00f3sito dos bancos centrais nacionais, em vez de ser publicado diretamente pelas ag\u00eancias de origem.\n\n### De onde v\u00eam os dados?\n\nBaseia-se em dados de bancos centrais e ag\u00eancias estat\u00edsticas nacionais, incluindo o Central Bank of The Bahamas, o Banco Central do Brasil, o Banco de Mexico, o Banco Central de Chile e o Banco de la Rep\u00fablica de Colombia, compilados e harmonizados pelo BID.\n\n### Para que esse indicador \u00e9 normalmente usado?\n\n\u00c9 usado para avaliar os custos de intermedia\u00e7\u00e3o banc\u00e1ria, a efici\u00eancia e a concorr\u00eancia do setor financeiro, e para comparar o custo do cr\u00e9dito entre as economias da Am\u00e9rica Latina e do Caribe ao longo do tempo.\n\n### Como fa\u00e7o para citar este indicador?\n\nCite assim: Banco Interamericano de Desenvolvimento (BID), Latin Macro Watch \u2014 \"Spread entre juros de empr\u00e9stimo e de dep\u00f3sito\". data.iadb.org/dataset/latin-macro-watch-dataset."}, "datastore_active": true, "datastore_contains_all_records_of_source_file": false, "description": "The lending-deposit spread is the difference between the average lending rate banks charge on loans and the average deposit rate they pay on customer deposits. It is a widely used gauge of bank intermediation costs, financial-sector efficiency and competition, and it helps explain the cost of credit across an economy. This Latin Macro Watch indicator, published by the Inter-American Development Bank (IDB) on data.iadb.org, brings comparable interest-rate spread series together for Latin America and the Caribbean.\n\n### Coverage\nThe indicator covers 26 countries across Latin America and the Caribbean at annual, monthly and quarterly frequency over the period 1990\u20132026. Values are expressed in percent. The spread is largely derived from internal IDB calculations based on national central-bank lending and deposit rates rather than published directly by the source agencies.\n\n### Sources\nFigures are based on data from national central banks and statistical agencies, including the Central Bank of The Bahamas, the Banco Central do Brasil, the Banco de Mexico, the Banco Central de Chile and the Banco de la Rep\u00fablica de Colombia, among others. IDB compiles and harmonizes these national lending and deposit rates so that the spread is comparable across countries.", "format": "CSV", "hash": "", "id": "694a6d0b-d4a4-429b-9628-6de36a4d7e8a", "indicator_category": "Financial Markets", "is_indicator": true, "language": ["en"], "last_modified": "2026-06-26T00:58:06.853231", "metadata_modified": "2026-06-26T00:58:13.694776", "mimetype_inner": null, "name": "Lending-Deposit Spread", "package_id": "abea491d-2123-4aed-b94a-5dcd057e4fad", "position": 595, "resource_type": null, "rights": {"en": "", "es": "", "fr": "", "pt_BR": ""}, "size": null, "state": "active", "theme": {}, "url": ""}}