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.
- Publisher
- World Bank
- Unit
- —
- Cadence
- Annual
- Series
- 86
- Licence
- CC BY 4.0
- Updated
- 2026-09-06
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
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 |
| Brazil | 2025 | 30.76 | percent |
| Cabo Verde | 2025 | 6.44 | percent |
| Gambia | 2025 | 8.34 | percent |
| Georgia | 2025 | 8.25 | percent |
| Guyana | 2025 | 7.14 | percent |
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