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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| マラウイ | 8.08 | 13.61 | 8.68 | 17.46 | 17.19 | 18.00 | 16.45 | 23.63 | 20.49 | 16.52 | 19.58 | 18.68 | 16.94 | 15.71 | 14.16 | 14.77 | 19.85 | 21.22 | |
| シエラレオネ | 2.50 | 5.00 | 0.03 | 1.61 | 4.04 | -3.45 | -1.40 | 12.51 | 17.05 | 16.67 | 9.94 | 5.69 | 8.01 | 9.53 | 9.93 | 17.15 | 15.46 | 18.25 | 11.67 |
| ルワンダ | 6.05 | 10.54 | 10.29 | 7.29 | 8.39 | 12.84 | 14.02 | 11.25 | 10.26 | 11.85 | 11.31 | 10.80 | 9.85 | 10.33 | 7.91 | 8.42 | |||
| ベリーズ | 6.67 | 10.10 | 11.04 | 10.84 | 10.94 | 10.36 | 10.08 | 10.35 | 10.21 | 9.81 | 8.81 | 7.91 | 7.84 | 7.46 | 7.17 | 7.61 | 7.80 | 7.81 | |
| ガイアナ | 2.75 | 7.42 | 10.75 | 10.67 | 11.97 | 12.13 | 12.18 | 11.27 | 11.00 | 11.15 | 11.45 | 11.46 | 8.94 | 7.93 | 7.34 | 6.88 | 6.95 | 7.28 | |
| セイシェル | 2.48 | 5.74 | 6.43 | 9.66 | 6.96 | 1.45 | 8.35 | 8.01 | 3.27 | 5.93 | 6.77 | 7.12 | 7.08 | 6.91 | 5.41 | 7.98 | 7.96 | 6.91 | |
| モーリシャス | 14.60 | 5.05 | 4.96 | 5.04 | 5.65 | 6.14 | 6.36 | 5.82 | 6.29 | 5.05 | 5.43 | 6.17 | 6.20 | 6.14 | 5.43 | 5.83 | |||
| モザンビーク | 2.07 | 10.37 | 4.27 | 3.86 | 11.54 | 11.19 | 9.47 | 9.00 | 5.91 | 2.59 | 6.75 | 6.23 | 7.70 | 5.38 | 4.68 | 5.80 | 5.73 | ||
| トリニダード・トバゴ | 5.37 | 5.94 | 4.24 | 8.44 | 7.44 | 7.34 | 7.34 | 7.40 | 7.72 | 7.84 | 7.67 | 7.59 | 7.38 | 5.30 | 7.01 | 6.84 | 6.42 | 4.97 | |
| レソト | 8.06 | 4.49 | 4.99 | 5.08 | 4.66 | 4.62 | 4.35 | 4.28 | 4.88 | 5.18 | 4.89 | 4.89 | 4.71 | 4.82 | 3.81 | 3.74 | 4.34 | ||
| ジャマイカ | 4.29 | 5.11 | 3.98 | 11.19 | 12.92 | 11.01 | 10.42 | 8.92 | 10.39 | 10.54 | 9.11 | 11.73 | 11.09 | 10.78 | 9.50 | 4.09 | 3.54 | 4.25 | |
| 南アフリカ | 3.77 | 3.20 | 4.39 | 3.72 | 3.41 | 3.51 | 3.46 | 3.42 | 3.33 | 3.36 | 3.23 | 3.05 | 2.93 | 3.04 | 3.16 | 3.26 | 3.64 | 3.56 | 3.34 |
| ナミビア | 5.01 | 3.52 | 3.26 | 3.11 | 3.11 | 2.86 | 2.89 | 2.84 | 3.25 | 1.66 | 2.15 | 2.26 | 2.63 | 2.29 | 2.17 | 2.36 | 2.24 | ||
| エスワティニ | 3.36 | 5.70 | 3.55 | 3.15 | 2.93 | 1.88 | 2.19 | 2.20 | 2.60 | 3.05 | 2.67 | 2.61 | 2.41 | 2.08 | 2.34 | 1.70 | 1.81 | 1.67 | |
| バハマ | 3.15 | 4.97 | 5.40 | 3.22 | 3.81 | 4.51 | 4.45 | 4.22 | 4.07 | 3.11 | 2.42 | 2.56 | 2.64 | 2.45 | 1.67 | 1.39 | 1.34 | 1.32 | |
| バングラデシュ | 7.72 | 9.44 | 3.17 | 4.92 | 5.76 | 5.95 | 7.02 | 6.19 | 7.28 | 3.84 | 3.53 | 6.01 | 2.09 | -0.14 | -1.67 | ||||
| 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 | |||||||
| マレーシア | 2.67 | 4.81 | 3.47 | 2.42 | 1.99 | 1.75 | 1.65 | 1.46 | 1.46 | 1.77 | |||||||||
| ソロモン諸島 | 4.66 | 10.73 | 10.65 | 9.86 | 10.37 | 10.68 | 10.01 | 9.64 | 10.23 | 10.28 | 10.11 | 10.19 | 4.69 | ||||||
| シンガポール | 4.08 | 3.62 | 3.24 | 5.05 | 5.09 | 5.11 | 5.13 | ||||||||||||
| アンチグアバーブーダ | 3.64 | 5.17 | 4.39 | 4.75 | 4.41 | 4.03 | 3.95 | 4.07 | 4.84 | 4.96 | 6.65 | 7.00 | |||||||
| バルバドス | 4.35 | 4.90 | 4.54 | 5.40 | 5.29 | 5.20 | 5.30 | 5.18 | 5.24 | 4.74 | 4.75 | 4.92 | 7.55 | 7.55 | 7.55 | 7.55 | |||
| ドミニカ | 4.76 | 5.28 | 3.52 | 3.06 | 2.44 | 4.70 | 6.27 | 6.96 | 5.43 | 4.85 | 6.19 | 5.96 | |||||||
| セントクリストファーネイビス | 4.88 | 4.60 | 3.03 | 1.87 | 2.70 | 1.98 | 2.03 | ||||||||||||
| ザンビア | 9.19 | 7.43 | 11.89 | 14.64 | 9.28 | 2.02 | -1.92 | -3.78 | -5.77 | -8.78 | -2.11 | -5.07 | -10.84 | -11.32 | |||||
| セントビンセント・グレナディーン | 5.05 | 4.96 | 4.74 | 4.23 | 4.97 | 5.45 | 6.00 | 5.89 | 6.38 | 6.06 | 5.89 | ||||||||
| ガンビア | 9.00 | 11.92 | 12.42 | 13.84 | 16.19 | 15.54 | 18.28 | 19.06 | 19.49 | 19.86 | 16.10 | 14.27 | 9.00 | ||||||
| ケニア | 3.49 | 10.27 | 4.45 | 10.77 | 6.32 | 7.14 | 8.39 | 7.58 | 5.16 | 8.05 | 5.30 | 5.30 | 5.55 | 5.14 | 5.12 | 4.16 | 1.38 | ||
| ナイジェリア | 5.77 | 10.12 | 13.74 | 6.32 | 3.16 | 5.87 | 6.01 | 7.46 | 6.73 | 4.14 | 6.82 | 5.74 | 12.01 | 9.32 | 8.77 | 9.28 | |||
| オーストラリア | 1.74 | 2.84 | 3.18 | 3.48 | 3.35 | ||||||||||||||
| パプアニューギニア | 0.55 | 7.66 | 5.81 | 6.67 | 8.08 | 7.98 | 5.41 | 3.47 | 3.82 | 3.66 | 4.35 | 2.52 | 0.77 | 3.65 | 5.23 | 6.03 | |||
| マルタ | 2.39 | 2.33 | 3.78 | 3.51 | 3.71 | 4.13 | |||||||||||||
| ウガンダ | 9.73 | 11.14 | 15.16 | 7.22 | 10.45 | 13.36 | 11.36 | 6.77 | 8.00 | 10.68 | 10.04 | ||||||||
| タンザニア連合共和国 | 11.79 | 4.58 | 9.79 | 6.65 | 1.91 | 1.64 | 2.73 | 3.20 | -0.22 | 6.67 | 10.99 | 9.26 | 12.26 | ||||||
| ニュージーランド | 1.42 | 1.24 | 3.48 | 3.56 | 3.36 | 3.14 | 2.56 | 2.77 | 2.99 | 3.00 | |||||||||
| スリランカ | 1.74 | 1.65 | 1.78 | 1.19 | 1.99 | 1.24 | 0.31 | 0.50 | 1.51 | 1.78 | 2.15 | ||||||||
| パキスタン | 1.89 | 1.50 | 1.30 | 2.52 | 2.66 | 1.84 | 3.04 | 2.77 | 2.21 | -1.06 | 2.11 | 1.08 | |||||||
| セントルシア | 6.12 | 5.48 | 4.38 | 3.08 | 3.65 | 5.30 | 5.14 | 6.36 | 6.13 | ||||||||||
| グレナダ | 4.33 | 4.77 | 3.73 | 3.27 | 3.19 | 3.09 | 3.36 | 4.65 | 4.18 |