Bank deposit rate falls by 30bps in Jan

MG News | February 18, 2026 at 11:54 PM GMT+05:00

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February 18, 2026 (MLN): The return on bank deposits has decreased by 30 basis points to 4.75% in January 2026 compared to the deposit rate of 5.05% 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 885bps compared to the return of 13.60% last year.

Meanwhile, the lending rate for all scheduled banks stood at 11.39%, up 7bps compared to December. While it fell 136bps compared to the same month of last year.

Accordingly, the banking sector spread increased by 37bps to 664bps in January 2026 compared to a spread of 627bps last month.

The real deposit rate, which was deeply negative at -5.16% in December 2024, has climbed to 0.94% in January 2026, slightly down from 1.52% in December 2025.

Similarly, the real lending rate stood at 11.39% in January 2026, compared with 11.32% in December 2025 and 12.74% in January 2025.

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