Risk premium on lending in Armenia
Armenia: Risk premium on lending was 5.6% in 2025. ▼ Falling
Risk premium on lending in Armenia, 2001–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
In 2025, risk premium on lending in Armenia stood at 5.6%.
The figure is up 49.6% on the previous year and up 18.9% over ten years.
Over the whole period, risk premium on lending in Armenia peaked at 13.9% in 2005 and was at its lowest, 1.1%, in 2022.
That places Armenia 34th out of 86 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently falling across the 25 years of available data.
Risk premium on lending in Armenia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 2001 | 6.1% | — |
| 2002 | 6.4% | +4.8% |
| 2003 | 8.9% | +39.6% |
| 2004 | 13.4% | +49.9% |
| 2005 | 13.9% | +4.3% |
| 2006 | 11.7% | -16.3% |
| 2007 | 11.4% | -2.0% |
| 2008 | 9.4% | -18.1% |
| 2009 | 9.3% | -0.2% |
| 2010 | 8.6% | -7.8% |
| 2011 | 8.2% | -4.5% |
| 2012 | 7.4% | -9.6% |
| 2013 | 6.7% | -9.9% |
| 2014 | 8.6% | +28.5% |
| 2015 | 4.7% | -45.5% |
| 2016 | 7.5% | +60.3% |
| 2017 | 7.7% | +2.0% |
| 2018 | 6.6% | -14.4% |
| 2019 | 6.1% | -7.1% |
| 2020 | 5.8% | -5.0% |
| 2021 | 4.0% | -31.6% |
| 2022 | 1.1% | -71.4% |
| 2023 | 1.3% | +10.7% |
| 2024 | 3.7% | +197.8% |
| 2025 | 5.6% | +49.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 10.1% | 6.1% | 13.9% | 9 |
| 2010s | 7.2% | 4.7% | 8.6% | 10 |
| 2020s | 3.6% | 1.1% | 5.8% | 6 |
Countries ranked near Armenia
More financial sector data for Armenia
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0665 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0486 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0665 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 Armenia?
- Risk premium on lending in Armenia was 5.6% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Armenia?
- The highest recorded value was 13.9% in 2005.
- What is the lowest risk premium on lending recorded in Armenia?
- The lowest recorded value was 1.1% in 2022.
- How does Armenia rank for risk premium on lending?
- Armenia ranks 34th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Armenia?
- Over the last ten years it is up 18.9%. The long-run trend across the full record is falling.
- Where does this Armenia 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.