Bank deposit rate falls by 14bps in June

July 19, 2025 (MLN): The return on bank deposits has decreased by 14 basis points to 3.35% in June 2025 compared to the deposit rate of 3.49% last month, according to the latest official data.

On a yearly basis, the weighted average rate paid for deposits by the banking sector has decreased by 774bps compared to the return of 11.09% last year.

Meanwhile, the lending rate for all scheduled banks stood at 11.66%, down 59bps compared to May. At the same time, it fell 766bps compared to the same month of last year.

Accordingly, the banking sector spread decreased by 44bps to 831bps in June 2025 compared to a spread of 875bps last month.

The total stock of deposits has risen 19.10% to Rs30.6 trillion in a year. 

 

However, the real deposit rate, after adjusting for inflation, stood at -5.36%, a decrease of 536bps compared to last month. While it fell 536bps compared to the same month of last year.

Despite the increase, depositors are still losing money after adjusting for one of Asia's highest inflation.

The real lending rate stood at 0.19%, an increase of 19bps compared to last month. While it increased 19bps compared to the same month of last year. 

Copyright Mettis Link News