Bank lending risk premium

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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.
Source: The World Bank: World Development Indicators    # of Reporting Countries: 106
Frequency: Annual    Earliest: 1960-12     Latest: 2016-12

2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12
1) Albania
6.99
6.96
5.72
5.61
5.55
6.32
8.59
2) Algeria
7.68
7.78
7.51
7.75
7.71
7.5
6.8
3) Angola
11.7
11.8
13.2
12.7
12.1
9.67
0.61
4) Antigua and Barbuda
4.74
4.41
4.03
3.95
4.07
4.84
4.96
5) Armenia
8.61
8.22
7.43
6.69
8.6
4.69
7.52
6) Australia
2.83
3.18
3.48
7) Azerbaijan
18.8
16.7
15.9
16.3
15.9
3.41
8) Bahamas
3.22
3.81
4.51
4.45
4.21
4.07
3.1
9) Bahrain
6.41
5.83
4.82
5.08
5.08
10) Bangladesh
7.71
9.44
3.17
4.92
5.76
5.94
7.02
11) Barbados
5.39
5.29
5.2
5.3
5.18
5.23
4.74
12) Belgium
9.17
8.71
9.43
9.47
9.47
9.73
10
13) Belize
10.8
10.9
10.3
10
10.3
10.2
9.8
14) Bolivia
9.83
10.4
10.6
9.95
7.71
7.49
7.73
15) Brazil
29
32.2
28.5
18.4
20.4
29.7
38.6
16) Bulgaria
8.58
9.37
8.65
7.06
17) Canada
2
2.07
2.02
2.03
2.08
2.27
2.2
18) Cape Verde
7.15
5.85
5.72
7.13
9.38
9.25
8.96
19) Czech Republic
4.94
4.88
4.78
20) Dominica
3.05
2.44
4.69
6.26
6.96
5.42
4.84
21) Egypt
1.73
-2.91
-0.96
1.28
0.06
0.29
-5.43
22) Fiji
4.04
5.26
6.4
5.95
4.59
4.59
4.48
23) Gambia
13.8
16.1
15.5
24) Georgia
6.29
5.31
8.04
8.43
5.74
3.71
4.23
25) Grenada
4.32
4.77
3.73
3.27
3.18
3.09
3.36
26) Guyana
10.6
11.9
12.1
12.1
11.2
10.9
11.1
27) Hong Kong
4.7
4.8
4.9
4.9
4.96
4.96
4.3
28) Hungary
2.21
2.3
2.1
2.12
2.27
1.74
1.35
29) Iceland
3.6
3.41
2.76
1.96
1.71
1.68
1.95
30) Iraq
5.4
4.63
7.72
31) Israel
2.8
3.33
3.41
3.31
3.33
3.29
3.33
32) Italy
2.89
1.81
3.32
4.28
4.44
4.08
3.66
33) Jamaica
11.1
12.9
11
10.4
8.92
10.3
10.5
34) Japan
1.46
1.4
1.31
1.24
1.22
1.16
1.45
35) Kenya
10.7
6.32
7.14
8.38
7.58
5.15
8.04
36) Kosovo
10
9.18
7.08
6.34
7.01
37) Kuwait
4.78
4.36
38) Kyrgyzstan
12
11.8
14.9
13.8
11.2
10.7
39) Laos
14.6
40) Latvia
7.33
5.27
4.97
41) Lebanon
4.23
3.6
2.89
2.9
2.83
2.65
3.91
42) Lesotho
4.98
5.08
4.65
4.62
4.34
4.28
4.87
43) Lithuania
3.19
44) Madagascar
39.67
42.92
53.3
49
48.5
50.4
51.5
45) Malawi
17.4
17.1
18
16.4
23.6
20.4
16.5
46) Malaysia
2.41
1.99
1.74
1.61
1.46
1.46
1.78
47) Maldives
5.47
4.75
3.22
2.2
3.24
4.26
7.26
48) Malta
3.77
3.51
3.7
49) Mauritania
8.45
14.3
13.6
50) Mauritius
5.04
4.95
5.03
5.64
6.13
6.35
5.82
51) Mexico
0.88
0.68
0.49
0.5
0.55
0.44
0.57
52) Moldova
9.22
2.72
7.15
6.72
4.25
-6.43
-1.14
53) Mongolia
5.22
8.92
6.82
5.04
2.63
54) Montenegro
6.32
7.02
4.82
6.14
8.06
8.29
6
55) Mozambique
4.27
3.85
11.5
11.1
9.47
5.91
56) Namibia
3.26
3.1
3.1
2.86
2.88
57) Nepal
1.18
58) New Zealand
3.48
3.55
3.36
3.13
2.56
2.76
2.98
59) Nigeria
13.7
6.31
3.15
5.87
6.05
7.45
6.75
60) Pakistan
1.49
1.3
2.52
2.66
1.83
3.03
2.76
61) Papua New Guinea
5.8
6.66
8.07
7.97
5.41
3.46
3.82
62) Philippines
4.15
5.32
4.17
5.47
4.3
3.83
4.13
63) Romania
6.86
4.81
5.06
5.63
4.6
4.3
3.29
64) Rwanda
10.6
9.74
4.68
11.9
13.9
12.5
65) Saint Lucia
6.11
5.47
4.37
3.07
3.64
5.29
5.13
66) Serbia
3.14
5.66
5.88
8.03
7.14
67) Seychelles
9.66
6.95
1.45
8.35
8.01
3.27
5.93
68) Sierra Leone
4.03
-3.44
-1.39
12.5
17
16.6
11.7
69) Singapore
5.04
5.09
5.1
70) Solomon Islands
10.7
10.6
9.85
10.3
10.6
10
9.63
71) South Africa
3.41
3.51
3.46
3.42
3.32
3.36
3.22
72) South Sudan
11.7
11.1
9.7
9.54
2.72
73) Sri Lanka
1.72
1.17
2.6
1.67
0.34
0.1
1.56
74) St Kitts Nevis
1.86
2.69
1.98
75) St Vincent Grenadines
4.22
4.97
5.45
6
5.89
6.37
6.06
76) Swaziland
3.14
2.92
1.87
2.19
2.19
2.6
3.04
77) Switzerland
2.7
2.86
2.99
2.78
2.81
3.7
3.63
78) Tajikistan
16.6
15
16.1
23.8
24.1
79) Tanzania
10.6
8.59
2.84
3.52
4.21
3.23
-0.22
80) Thailand
4.49
4.04
4.13
4.39
4.7
4.95
81) Trinidad and Tobago
8.43
7.43
7.34
7.34
7.4
7.71
7.84
82) Uganda
15.1
7.22
10.4
13.3
11.3
6.77
8
83) United Kingdom
0.01
0.19
0.2
0.12
84) United States
3.11
3.19
3.16
3.19
3.21
3.2
3.18
85) Uruguay
1.26
1
1.79
1.06
1.17
2.37
2.66
86) Vietnam
1.99
4.6
4.65
3.73
3.62
2.88
87) Yemen
2.91
2.12
2.33
5.42
88) Zambia
14.6
9.28
2.02
-1.92
-3.78
-5.76
-8.78
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