Albania vs South Africa: Risk premium on lending
Risk premium on lending over time
- Albania
- South Africa
How they compare
South Africa currently reports 3.5% against 3.4% in Albania, a difference of 0.1%.
The two have swapped places 4 times across 29 shared years of data; in 1994 it was Albania ahead.
Albania ranks 49th and South Africa ranks 48th of 86 countries.
Albania has averaged higher in every one of the 4 decades both report.
Head to head by decade
| Decade | Albania | South Africa | Difference | Ahead |
|---|---|---|---|---|
| 1990s | 5.2% | 4.7% | 0.6% | Albania |
| 2000s | 7.6% | 4.1% | 3.5% | Albania |
| 2010s | 5.6% | 3.3% | 2.3% | Albania |
| 2020s | 4.3% | 3.4% | 0.9% | Albania |
Averages of every year both report within each decade.
Frequently asked questions
- Which has higher risk premium on lending, Albania or South Africa?
- South Africa, at 3.5% against 3.4% in Albania as of 2025.
- What is the difference in risk premium on lending between Albania and South Africa?
- 0.1%, with South Africa ahead.
- How many years of comparable data are there for Albania and South Africa?
- 29 years are reported by both, from 1994 to 2024.
- How do Albania and South Africa rank globally for risk premium on lending?
- Albania ranks 49th and South Africa ranks 48th of 86 countries.
- Where does this data come from?
- International Financial Statistics database, International Monetary Fund (IMF), published as Risk premium on lending (lending rate minus treasury bill rate, %). Statizoid refreshes it automatically from the source and publishes the full history for both places.
Individual pages
About this data
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.