Risk premium on lending in Algeria
Algeria: Risk premium on lending was 5.3% in 2025. ▲ Rising
Risk premium on lending in Algeria, 1998–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Algeria recorded 5.3% for risk premium on lending in 2025.
Compared with earlier readings it is up 4.8% on the previous year and down 29.5% over ten years.
Over the whole period, risk premium on lending in Algeria peaked at 7.8% in 2011 and was at its lowest, 0.2%, in 2000.
That places Algeria 36th out of 86 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently rising across the 28 years of available data.
Risk premium on lending in Algeria, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1998 | 1.8% | — |
| 1999 | 0.7% | -59.6% |
| 2000 | 0.2% | -71.9% |
| 2001 | 3.6% | +1735.6% |
| 2002 | 5.7% | +56.8% |
| 2003 | 6.5% | +12.8% |
| 2004 | 7.1% | +10.5% |
| 2005 | 7.2% | +1.6% |
| 2006 | 5.9% | -19.2% |
| 2007 | 7.0% | +20.2% |
| 2008 | 7.7% | +8.9% |
| 2009 | 7.3% | -4.8% |
| 2010 | 7.7% | +5.4% |
| 2011 | 7.8% | +1.3% |
| 2012 | 7.5% | -3.6% |
| 2013 | 7.8% | +3.2% |
| 2014 | 7.7% | -0.5% |
| 2015 | 7.5% | -2.7% |
| 2016 | 6.8% | -9.3% |
| 2017 | 6.3% | -8.1% |
| 2018 | 5.6% | -9.8% |
| 2019 | 5.1% | -9.7% |
| 2020 | 5.0% | -1.9% |
| 2021 | 5.0% | +0.0% |
| 2022 | 5.0% | +0.2% |
| 2023 | 5.0% | +0.0% |
| 2024 | 5.0% | +0.7% |
| 2025 | 5.3% | +4.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 1.2% | 0.7% | 1.8% | 2 |
| 2000s | 5.8% | 0.2% | 7.7% | 10 |
| 2010s | 7.0% | 5.1% | 7.8% | 10 |
| 2020s | 5.1% | 5.0% | 5.3% | 6 |
Countries ranked near Algeria
More financial sector data for Algeria
- Net domestic credit (current LCU), per capita 600,182 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 99.19 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 15.78 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 195.30 million SDR (2025)
- Gold reserves at market value 17.80 billion SDR (2025)
- Reserves excluding gold, foreign exchange 34.63 billion SDR (2025)
- Reserves excluding gold 38.30 billion SDR (2025)
- Total reserves (gold at market value) 56.10 billion SDR (2025)
- Total reserves (gold at national valuation) 38.30 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 807.43 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Algeria?
- Risk premium on lending in Algeria was 5.3% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Algeria?
- The highest recorded value was 7.8% in 2011.
- What is the lowest risk premium on lending recorded in Algeria?
- The lowest recorded value was 0.2% in 2000.
- How does Algeria rank for risk premium on lending?
- Algeria ranks 36th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Algeria?
- Over the last ten years it is down 29.5%. The long-run trend across the full record is rising.
- Where does this Algeria 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.