Risk premium on lending (lending rate minus treasury bill rate, %) in Albania
Albania: Risk premium on lending (lending rate minus treasury bill rate, %) was 3.4% in 2024. ▼ Falling
Risk premium on lending in Albania, 1994–2024
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Albania recorded 3.4% for risk premium on lending in 2024.
That represents a change of down 0.6% on the previous year and down 30.7% over ten years.
Over the whole period, risk premium on lending in Albania peaked at 11.9% in 2001 and was at its lowest, 0.1%, in 1997.
Albania ranks 48th of 86 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 29 years of available data.
Risk premium on lending (lending rate minus treasury bill rate, %) in Albania, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1994 | 9.7% | — |
| 1995 | 6.2% | -36.2% |
| 1996 | 6.2% | -0.4% |
| 1997 | 0.1% | -98.1% |
| 1999 | 4.1% | +3472.2% |
| 2000 | 11.3% | +177.0% |
| 2001 | 11.9% | +5.6% |
| 2002 | 5.8% | -51.3% |
| 2003 | 5.5% | -6.1% |
| 2004 | 5.0% | -9.0% |
| 2005 | 7.6% | +52.0% |
| 2006 | 7.5% | -1.4% |
| 2007 | 8.2% | +9.6% |
| 2008 | 6.8% | -17.0% |
| 2009 | 6.4% | -5.8% |
| 2010 | 7.0% | +9.5% |
| 2011 | 7.0% | -0.4% |
| 2012 | 5.7% | -17.8% |
| 2013 | 5.6% | -1.9% |
| 2014 | 4.9% | -13.5% |
| 2015 | 5.1% | +5.8% |
| 2016 | 5.7% | +10.4% |
| 2017 | 5.0% | -11.8% |
| 2018 | 4.6% | -7.6% |
| 2020 | 5.2% | +11.4% |
| 2021 | 5.0% | -3.5% |
| 2022 | 4.7% | -5.5% |
| 2023 | 3.4% | -27.9% |
| 2024 | 3.4% | -0.6% |
Albania compared with similar countries
- Albania's 3.4% is below the median for upper middle income countries, which is 4.3%, 78% of the median. (29 countries reporting)
- Albania's 3.4% is above the median for Europe & Central Asia, which is 3.1%, 1.1× the median. (19 countries reporting)
Biggest year-on-year movements
Years where Risk premium on lending (lending rate minus treasury bill rate, %) in Albania changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 1999 | +3472.2% | 0.1% | 4.1% |
| 2000 | +177.0% | 4.1% | 11.3% |
| 1997 | -98.1% | 6.2% | 0.1% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 5.2% | 0.1% | 9.7% | 5 |
| 2000s | 7.6% | 5.0% | 11.9% | 10 |
| 2010s | 5.6% | 4.6% | 7.0% | 9 |
| 2020s | 4.3% | 3.4% | 5.2% | 5 |
Countries ranked near Albania
- 45 Papua New Guinea 4.1% compare
- 46 South Africa 3.5% compare
- 47 Thailand 3.5% compare
- 49 Australia 3.4% compare
- 50 United States 3.2% compare
- 51 Iceland 3.1% compare
More financial sector data for Albania
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0012 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 15.16 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0009 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 11.07 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0012 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 15.16 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is risk premium on lending in Albania?
- Risk premium on lending in Albania was 3.4% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Albania?
- The highest recorded value was 11.9% in 2001.
- What is the lowest risk premium on lending recorded in Albania?
- The lowest recorded value was 0.1% in 1997.
- How does Albania rank for risk premium on lending?
- Albania ranks 48th out of 86 countries with data for 2024.
- Is risk premium on lending rising or falling in Albania?
- Over the last ten years it is down 30.7%. The long-run trend across the full record is falling.
- Where does this Albania data come from?
- The figures come from International Financial Statistics database, International Monetary Fund (IMF), published as part of Risk premium on lending (lending rate minus treasury bill rate, %). Statizoid updates them automatically from the source API.
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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.