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 | |||
| モルディブ | 5.47 | 4.75 | 3.22 | 2.20 | 3.24 | 4.27 | 7.26 | 6.65 | 7.18 | 8.02 | 8.10 | 8.07 | 7.43 | 8.18 | 8.05 | ||||
| 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 | |
| ウズベキスタン | 5.55 | 10.41 | 8.46 | 8.13 | 5.39 | 5.17 | 6.86 | ||||||||||||
| カーボベルデ | 7.15 | 5.85 | 5.72 | 7.13 | 9.39 | 9.26 | 8.96 | 8.86 | 7.97 | 8.04 | 7.19 | 6.62 | 6.83 | 6.53 | 6.69 | ||||
| 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 | ||
| アルジェリア | 0.20 | 7.25 | 7.69 | 7.79 | 7.51 | 7.75 | 7.71 | 7.50 | 6.81 | 6.25 | 5.64 | 5.10 | 5.00 | 5.00 | 5.01 | 5.01 | 5.05 | ||
| 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 | |
| フィジー | 4.86 | 4.84 | 4.04 | 5.23 | 6.40 | 5.95 | 4.60 | 4.60 | 4.61 | 4.39 | 4.27 | 3.46 | 4.37 | 5.35 | 5.39 | 4.94 | 4.48 | ||
| 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 | ||
| タイ | 2.05 | 2.89 | 2.19 | 2.22 | 2.49 | 2.88 | 3.12 | 3.06 | 3.08 | 2.84 | 2.53 | 2.69 | 2.65 | 2.47 | 2.50 | 1.94 | |||
| アンゴラ | 36.09 | 11.72 | 11.83 | 13.21 | 12.74 | 12.10 | 9.68 | 0.69 | -0.54 | 7.55 | 6.21 | 3.16 | 0.04 | 9.77 | 6.40 | 1.90 | |||
| 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 | ||||
| エジプト | 4.18 | 3.71 | 1.36 | -0.96 | -1.61 | 0.01 | 0.69 | 0.39 | -0.65 | -1.26 | -0.56 | -0.67 | -1.75 | -3.28 | -4.17 | -5.59 | -3.44 | ||
| ラオス人民民主共和国 | 2.06 | 8.22 | 14.64 | ||||||||||||||||
| 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 | |||||||||
| モンゴル国 | 5.22 | 8.92 | 6.82 | 5.05 | 4.73 | 6.16 | |||||||||||||
| 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 | |||
| フィリピン | 0.45 | 0.99 | 4.05 | 4.16 | 5.32 | 4.18 | 5.48 | 4.31 | 3.83 | 4.14 | 3.51 | 2.51 | 2.77 | ||||||
| シンガポール | 4.08 | 3.62 | 3.24 | 5.05 | 5.09 | 5.11 | 5.13 | ||||||||||||
| ベトナム | 5.13 | 4.90 | 1.99 | 4.60 | 4.66 | 3.73 | 3.58 | 2.89 | |||||||||||
| 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 | ||||||||||
| 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 | |||
| ボリビア | 23.60 | 11.65 | 9.84 | 10.45 | 10.61 | 9.96 | 7.72 | 7.50 | 7.73 | 7.76 | |||||||||
| 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 | |||||||
| グレナダ | 4.33 | 4.77 | 3.73 | 3.27 | 3.19 | 3.09 | 3.36 | 4.65 | 4.18 | ||||||||||
| 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 | ||||||||||||
| セントルシア | 6.12 | 5.48 | 4.38 | 3.08 | 3.65 | 5.30 | 5.14 | 6.36 | 6.13 | ||||||||||
| 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 | ||||||||
| バーレーン | 5.04 | 4.25 | 6.42 | 5.84 | 4.83 | 5.09 | 5.08 | ||||||||||||
| イラク | 6.35 | 5.71 | 4.77 | 7.72 | 8.37 | 5.00 | |||||||||||||
| レバノン | 21.10 | 6.97 | 5.42 | 4.27 | 3.60 | 2.90 | 2.91 | 2.83 | 2.65 | 3.91 | 3.85 | 4.66 | 6.07 | ||||||
| リビア | 1.50 | 1.50 | |||||||||||||||||
| イエメン | 5.38 | 3.11 | 2.91 | 2.13 | 2.33 | 5.43 | |||||||||||||
| 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 | |||||||
| 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 | ||||||||
| エチオピア | 3.00 | 8.16 | 6.75 | ||||||||||||||||
| ギニア | 5.17 | ||||||||||||||||||
| 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 | ||
| マダガスカル | 12.43 | 7.03 | 36.67 | 42.92 | 49.20 | 52.31 | 51.57 | 47.76 | 51.62 | 51.26 | 47.76 | 42.37 | 41.96 | 42.59 | 42.87 | 43.86 | |||
| モーリタニア | 13.54 | 12.50 | 8.56 | 16.94 | 16.97 | 14.41 | 13.53 | 13.34 | 12.67 | 12.33 | |||||||||
| 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 | |||
| 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 | ||||||
| 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 | ||||||
| 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 | ||||||||
| 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 |