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

Measured

Covers 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

Measured

The 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

Measured

4 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 assessed

No declared schema or validation rules are attached to this dataset yet.

Validity

Not assessed

No field-level validation rules are attached to this dataset yet.

Consistency

Not assessed

Cross-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.

Latest observations

CountryPeriodValueUnit
Algeria20255.29percent
Armenia20255.58percent
Bahamas20251.18percent
Bangladesh2025-2.13percent
Belize20257.88percent
Bolivia, Plurinational State of20253.00percent
Brazil202530.76percent
Cabo Verde20256.44percent
Gambia20258.34percent
Georgia20258.37percent

Provenance

Who produced these figures, as World Bank declares it — not inferred, and each line says which published field it was read from.

  1. Produced by

    International Monetary Fund

    International Financial Statistics database, International Monetary Fund (IMF)

    declared by worldbank in sourceOrganization

  2. 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

Related datasets

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.

BibTeX
@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-lending
curl -o worldbank-risk-premium-on-lending.csv https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/datasets/worldbank-risk-premium-on-lending/download
curl "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/quality

Full schema: https://interva-api.nq5kq4f69b5zj.eu-west-3.cs.amazonlightsail.com/docs

Open in the terminal to chart this series, compare it against other publishers, or export it with its provenance.

Risk premium on lending · World Bank · Interva