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💹 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.

📅 2025📏 %32 entries

🇲🇬 Madagascar48.7%

🇧🇷 Brazil30.8%

🇬🇲 Gambia8.3%

🇧🇿 Belize7.9%

🇲🇽 Mexico0.7%

🇲🇩 Moldova-0.1%

🇧🇩 Bangladesh-2.1%

🇳🇿 New Zealand-3.1%

🇸🇸 South Sudan-6.1%

The 7 highest and 7 lowest of 32 entries; 4 are below zero. Bars to the left of the line are negative.

🇲🇬Madagascar

48.7%

🇧🇷Brazil

30.8%

🇸🇱Sierra Leone

19.5%

🇬🇪Georgia

8.4%

🇬🇲Gambia

8.3%

🇲🇻Maldives

8.1%

🇧🇿Belize

7.9%

🇸🇨Seychelles

7.4%

🇬🇾Guyana

7.1%

🇯🇲Jamaica

6.7%

🇨🇻Cape Verde

6.4%

🇦🇲Armenia

5.6%

🇩🇿Algeria

5.3%

🇲🇿Mozambique

5.0%

🇲🇺Mauritius

4.3%

🇹🇹Trinidad and Tobago

4.2%

🇿🇦South Africa

3.5%

🇹🇭Thailand

3.5%

🇮🇸Iceland

3.1%

🇧🇴Bolivia

3.0%

🇭🇰Hong Kong

2.7%

🇲🇪Montenegro

2.6%

🇳🇬Nigeria

1.9%

🇭🇺Hungary

1.9%

🇷🇴Romania

1.3%

🇧🇸Bahamas

1.2%

🇺🇾Uruguay

1.1%

🇲🇽Mexico

0.7%

🇲🇩Moldova

-0.1%

🇧🇩Bangladesh

-2.1%

🇳🇿New Zealand

-3.1%

🇸🇸South Sudan

-6.1%

Highlights

As of 2025, Madagascar ranks first with 48.7%, followed by Brazil (30.8%) and Sierra Leone (19.5%).

Madagascar is 1.6 times higher than Brazil, the runner-up.

Across 32 countries and territories, values run from 48.7% (Madagascar) to -6.1% (South Sudan), with a median of 3.9%.

By region, the top 10 is made up of 4 from Africa, 4 from the Americas and 2 from Asia.

Source: World Bank Open Data — Risk premium on lending (lending rate minus treasury bill rate, %), 2025. Unit: %.

Source: World Bank Open Data — Risk premium on lending (lending rate minus treasury bill rate, %) · CC BY 4.0 · fetched Oct 16, 2026