IntervaOpen the desk

World Bank · Financial Sector

Zambia: Risk premium on lending

-11.32percent · 2020-177.3% since 2010

Risk premium on lending is the interest rate charged by banks on loans to private sector customers minus the "risk free" treasury bill interest rate at which short-term government securities are issued or traded in the market. In some countries this spread may be negative, indicating that the market considers its best corporate clients to be lower risk than the government. The terms and conditions attached to lending rates differ by country, however, limiting their comparability. Reported as: lending rate minus treasury bill rate. Annual figures for Zambia from 1978 to 2020.

19812020

Every year

YearValue (percent)Note
2020-11.322
2019-10.838
2018-5.072
2017-2.111
2016-8.782
2015-5.766
2014-3.783
2013-1.925
20122.023
20119.284
201014.639
20096.668
20085.597
20076.939
200612.785
200511.893
200418.124
200310.596
200210.662
20011.954
20007.434
19994.323
19986.864
199717.208
19961.008
19955.725
1994-3.653
1993-10.717
19927.567
19916
19909.188
1989-0.11
19883.223
19874.696
19863.145
19855.394
19846.875
19835.5
19823.5
19813.75
19805
19794.643
19783.87

Source

Published by World Bank, produced by International Monetary Fund. Licence: CC BY 4.0. Retrieved 2026-11-07.

The dataset for every country, with quality and provenance →

Cite or download

World Bank (2026). Risk premium on lending. Interva. https://interva.co/dataset/worldbank-risk-premium-on-lending (accessed 2026-11-08). catalog snapshot 2026-11-07.

CSV, all countriesJSON, ZambiaAPI and MCP

Risk premium on lending in other countries

Rank Zambia against its region, see where publishers disagree, or ask a question in plain words on the Interva desk.

Zambia: Risk premium on lending (1978–2020) · Interva