World Bank · Financial Sector
Risk premium on lending
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.
- Coverage
- 87 of 238 countries
- Latest data
- 2025
- Series
- 87
- Unit
- percent
- Licence
- CC BY 4.0
- Retrieved
- 2026-11-05
- Indicator
- risk-premium-on-lending
- Interva ID
- worldbank-risk-premium-on-lending
Recency
current
data to 2025; catalog to 2025
Provenance
2 steps
as the publisher declares it
Versions
2
catalog snapshots
Citation
BibTeX + CSL
versioned permalink
Quality profile
This profile describes what Interva can measure in the data. It does not claim the dataset is accurate, complete, or suitable for a particular use.
Recency
100%Latest observation is 2025; the catalog broadly reports to 2025, so this data is 0 year(s) behind (current).
Method: Compares the dataset's latest non-projected period with the year most datasets in the catalog end in. Up to 2 years behind is current — annual data is routinely published a year or two late — and more than 5 is stale. Measured from the data, not from when Interva last crawled it.
Temporal completeness
100%24 of 87 series skip at least one year inside their own span; the median series reports 100% of its years.
Method: Per series, years present divided by years from its first to its last observation; the median across series is reported. Annual periods are assumed, which holds for every series in the catalog today.
Geographic coverage
MeasuredCovers 87 of the 238 countries in the catalog.
Method: Counts distinct geographies with at least one observation. Not scored: a regional dataset covering its region completely is not deficient for omitting the rest of the world.
History depth
MeasuredThe median series has 28 observations; the earliest begins in 1960.
Method: Counts non-projected observations per series. Not scored: a long history is useful for trend work and irrelevant for a cross-section.
Revisions
Measured4 observation(s) restated by the publisher across 1 vintage(s) Interva has recorded.
Method: Counts values the publisher changed between Interva's publishes. Not scored: revising estimates is ordinary and often a sign of care, and the count is here so a reader citing a figure knows whether it moves.
Schema conformity
Not assessedNo declared schema or validation rules are attached to this dataset yet.
Validity
Not assessedNo field-level validation rules are attached to this dataset yet.
Consistency
Not assessedCross-series consistency rules are not defined yet. The obvious first one — whether two publishers measuring one concept agree within a stated tolerance — is a candidate.
2 scored from the data, 3 described without a score, 3 not assessed. Pipeline integrity: all 5 checks pass. Assessed 2026-11-07.
By country
Risk premium on lending for each of the 87 countries it covers, with the full history.
- Albania 1994–2024
- Algeria 1998–2025
- Angola 2004–2024
- Antigua and Barbuda 1982–2018
- Armenia 2001–2025
- Australia 1995–2013
- Azerbaijan 1998–2017
- Bahamas 1976–2025
- Bahrain 1987–2014
- Bangladesh 2006–2025
- Barbados 1981–2022
- Belize 1982–2025
- Bolivia, Plurinational State of 1994–2025
- Brazil 1997–2025
- Bulgaria 2006–2015
- Cabo Verde 2006–2025
- Canada 1960–2017
- Czechia 1993–2018
- Dominica 1982–2018
- Egypt 1997–2024
- Eswatini 1975–2024
- Ethiopia 1985–2008
- Fiji 1992–2024
- Gambia 1985–2025
- Georgia 2003–2025
- Grenada 2010–2018
- Guinea 1998–2000
- Guyana 1981–2025
- Hong Kong 1992–2025
- Hungary 1988–2025
- Iceland 1992–2025
- Iraq 2004–2008
- Israel 2013–2022
- Italy 1989–2023
- Jamaica 1976–2025
- Japan 1993–2017
- Kenya 1990–2024
- Kosovo 2012–2018
- Kyrgyzstan 1996–2023
- Lao People's Democratic Republic 1995–2010
- Lebanon 1982–2019
- Lesotho 1993–2024
- Libya 1980–2004
- Madagascar 2000–2025
- Malawi 1983–2024
- Malaysia 1976–2016
- Maldives 2006–2025
- Malta 1995–2013
- Mauritania 1994–2017
- Mauritius 2001–2025
- Mexico 1993–2025
- Moldova, Republic of 1996–2025
- Mongolia 2012–2017
- Montenegro 2005–2025
- Mozambique 1998–2025
- Namibia 1991–2024
- New Zealand 1998–2025
- Nigeria 1991–2025
- Pakistan 2004–2021
- Papua New Guinea 1994–2024
- Philippines 1976–2019
- Romania 1994–2025
- Rwanda 1999–2024
- Saint Kitts and Nevis 1980–2013
- Saint Lucia 2007–2018
- Saint Vincent and the Grenadines 1980–2017
- Serbia 2003–2010
- Seychelles 1989–2025
- Sierra Leone 1965–2025
- Singapore 1978–2013
- Solomon Islands 2002–2021
- South Africa 1960–2025
- South Sudan 2012–2025
- Sri Lanka 2001–2019
- Sweden 1992–2006
- Tajikistan 2002–2017
- Tanzania, United Republic of 1993–2020
- Thailand 2001–2025
- Trinidad and Tobago 1979–2025
- Uganda 1992–2018
- United Kingdom 1967–2014
- United States 1960–2021
- Uruguay 1991–2025
- Uzbekistan 2018–2024
- Viet Nam 1993–2015
- Yemen 1996–2013
- Zambia 1978–2020
Latest observations
| Country | Period | Value | Unit |
|---|---|---|---|
| Algeria | 2025 | 5.29 | percent |
| Armenia | 2025 | 5.58 | percent |
| Bahamas | 2025 | 1.18 | percent |
| Bangladesh | 2025 | -2.13 | percent |
| Belize | 2025 | 7.88 | percent |
| Bolivia, Plurinational State of | 2025 | 3.00 | percent |
| Brazil | 2025 | 30.76 | percent |
| Cabo Verde | 2025 | 6.44 | percent |
| Gambia | 2025 | 8.34 | percent |
| Georgia | 2025 | 8.37 | percent |
Provenance
Who produced these figures, as World Bank declares it — not inferred, and each line says which published field it was read from.
Produced by
International Monetary Fund
International Financial Statistics database, International Monetary Fund (IMF)
declared by worldbank in sourceOrganization
Read from
World Bank
World Development Indicators
declared by worldbank in source
Versions
A vintage is a dated publish of the catalog. The current entry is a catalog snapshot; checksums are not recorded yet and are shown as such.
- CurrentCurrent catalog snapshotchecksum not recorded
- 2026-11-054 observation(s) restatedchecksum not recorded
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Citation
Version: catalog snapshot 2026-11-05. The record labels this as a catalog snapshot because immutable dataset releases are not stored yet.
World Bank (2026). Risk premium on lending. Interva. https://interva.co/dataset/worldbank-risk-premium-on-lending (accessed 2026-11-07). catalog snapshot 2026-11-05.
@misc{interva-worldbank-risk-premium-on-lending,
title = {Risk premium on lending},
author = {World Bank},
year = {2026},
howpublished = {\url{https://interva.co/dataset/worldbank-risk-premium-on-lending}},
note = {Interva dataset worldbank-risk-premium-on-lending; catalog snapshot 2026-11-05},
urldate = {2026-11-07}
}DOI: not assigned (not assigned). The permalink is versioned by catalog snapshot; a stable dataset DOI is a later step.
API access
Every fact on this page is available from the API.
curl https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/datasets/worldbank-risk-premium-on-lendingcurl -o worldbank-risk-premium-on-lending.csv https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/datasets/worldbank-risk-premium-on-lending/downloadcurl "https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/datasets/worldbank-risk-premium-on-lending/citation?accessed=YYYY-MM-DD"curl https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/datasets/worldbank-risk-premium-on-lending/qualityFull schema: https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/docs
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