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.
| 1970 | 1990 | 2000 | 2005 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ウズベキスタン | 5.55 | 10.41 | 8.46 | 8.13 | 5.39 | 5.17 | 6.86 | ||||||||||||
| グルジア | 4.98 | 6.29 | 5.31 | 8.05 | 8.43 | 5.74 | 3.71 | 4.23 | 4.19 | 3.87 | 3.59 | 3.25 | 3.63 | 3.47 | 4.02 | 4.04 | |||
| モルドバ共和国 | 9.15 | 15.51 | 9.23 | 2.73 | 7.16 | 6.73 | 4.26 | -6.43 | -1.14 | 3.56 | 4.08 | 2.01 | 2.99 | 1.64 | -6.19 | 3.17 | 3.98 | ||
| アルメニア | 13.93 | 8.61 | 8.23 | 7.43 | 6.70 | 8.61 | 4.69 | 7.53 | 7.68 | 6.57 | 6.11 | 5.80 | 3.96 | 1.13 | 1.25 | 3.73 | |||
| アルバニア | 11.30 | 7.55 | 7.00 | 6.97 | 5.73 | 5.62 | 4.86 | 5.14 | 5.67 | 5.00 | 4.62 | 5.15 | 4.97 | 4.70 | 3.39 | 3.37 | |||
| アイスランド | 5.68 | 5.98 | 3.61 | 3.42 | 2.77 | 1.96 | 1.72 | 1.69 | 1.96 | 2.28 | 2.23 | 2.56 | 3.77 | 3.62 | 2.47 | 2.50 | 2.99 | ||
| ハンガリー | -1.35 | 1.57 | 1.59 | 2.22 | 2.30 | 2.10 | 2.12 | 2.27 | 1.74 | 1.36 | 1.45 | 1.43 | 1.79 | 1.50 | 2.09 | 2.72 | 3.84 | 2.89 | |
| モンテネグロ | 6.39 | 6.33 | 7.02 | 4.83 | 6.14 | 8.06 | 8.30 | 6.01 | 4.85 | 6.00 | 5.64 | 5.00 | 4.86 | 4.25 | 2.39 | 2.85 | |||
| ルーマニア | 1.99 | 12.12 | 6.86 | 4.81 | 5.06 | 5.63 | 4.61 | 4.30 | 3.29 | 3.03 | 2.54 | 2.98 | 2.92 | 2.11 | 0.23 | 2.32 | 2.26 | ||
| イタリア | 2.47 | 2.49 | 3.14 | 2.90 | 1.81 | 3.33 | 4.29 | 4.44 | 4.08 | 3.66 | 3.34 | 2.56 | 2.66 | 2.53 | 2.51 | 1.39 | 1.31 | 1.95 | |
| 英国 | 0.23 | 0.67 | 0.16 | 0.10 | 0.00 | 0.01 | 0.19 | 0.20 | 0.12 | ||||||||||
| カナダ | 2.18 | 1.25 | 1.78 | 1.69 | 2.01 | 2.08 | 2.03 | 2.03 | 2.09 | 2.27 | 2.20 | 2.18 | |||||||
| アメリカ合衆国 | 1.47 | 2.50 | 3.39 | 3.04 | 3.12 | 3.19 | 3.16 | 3.19 | 3.22 | 3.21 | 3.19 | 3.17 | 2.97 | 3.21 | 3.16 | 3.21 | |||
| チェコ共和国 | 1.84 | 3.83 | 4.94 | 4.89 | 4.79 | 4.85 | 4.50 | 4.16 | 4.13 | 3.06 | |||||||||
| キルギスタン | -5.41 | 13.06 | 13.33 | 8.19 | 13.09 | 12.81 | 10.68 | 10.87 | 15.02 | 14.78 | 13.93 | 13.93 | 11.16 | 9.54 | 10.56 | 10.64 | |||
| スウェーデン | 1.82 | 1.82 | |||||||||||||||||
| マルタ | 2.39 | 2.33 | 3.78 | 3.51 | 3.71 | 4.13 | |||||||||||||
| アゼルバイジャン | 2.92 | 9.51 | 18.87 | 16.71 | 15.92 | 16.32 | 15.97 | 3.42 | 2.22 | ||||||||||
| タジキスタン | 16.68 | 15.06 | 16.27 | 23.50 | 24.13 | 25.08 | 23.95 | 28.66 | |||||||||||
| モンゴル国 | 5.22 | 8.92 | 6.82 | 5.05 | 4.73 | 6.16 | |||||||||||||
| ブルガリア | 8.59 | 9.38 | 8.64 | 7.05 | 7.08 | ||||||||||||||
| セルビア | -13.72 | -6.24 |