Gambia vs Uganda: Risk premium on lending

Gambia
8.3%
in 2025
Uganda
10.0%
in 2018
Gambia rank
13th
Uganda rank
10th

Risk premium on lending over time

  • Gambia
  • Uganda
05101520198520052025

How they compare

Uganda currently reports 10.0% against 8.3% in Gambia, a difference of 1.7%.

That makes Uganda's figure about 1.2 times Gambia's.

The two have swapped places 10 times across 22 shared years of data; in 1992 it was Gambia ahead.

Gambia ranks 13th and Uganda ranks 10th of 86 countries.

Gambia has averaged higher in every one of the 3 decades both report.

Head to head by decade

Decade Gambia Uganda Difference Ahead
1990s 9.4% 9.3% 0.1% Gambia
2000s 10.9% 10.5% 0.4% Gambia
2010s 16.6% 10.7% 5.9% Gambia

Averages of every year both report within each decade.

Frequently asked questions

Which has higher risk premium on lending, Gambia or Uganda?
Uganda, at 10.0% against 8.3% in Gambia as of 2018.
What is the difference in risk premium on lending between Gambia and Uganda?
1.7%, with Uganda ahead.
How many years of comparable data are there for Gambia and Uganda?
22 years are reported by both, from 1992 to 2018.
How do Gambia and Uganda rank globally for risk premium on lending?
Gambia ranks 13th and Uganda ranks 10th 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.

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Gambia vs Uganda: Risk premium on lending. Statizoid, drawing on International Financial Statistics database, International Monetary Fund (IMF). Retrieved 13 September 2026, from https://financial-sector.statizoid.com/compare/risk-premium-on-lending-lending-rate-minus-treasury-bill-rate-percent/gambia-the/uganda/

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About this data

Indicator
Risk premium on lending (lending rate minus treasury bill rate, %)
Unit
lending rate minus treasury bill rate, %
Source
International Financial Statistics database, International Monetary Fund (IMF)
Licence
CC BY 4.0 (World Bank Open Data)
Coverage
86 places, 2,478 data points, 1960–2025
Last refreshed

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.