Risk premium on lending in Australia
Australia: Risk premium on lending was 3.4% in 2013. ▲ Rising
Risk premium on lending in Australia, 1995–2013
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
In 2013, risk premium on lending in Australia stood at 3.4%.
That represents a change of down 3.7% on the previous year and up 75.2% over ten years.
Over the whole period, risk premium on lending in Australia peaked at 3.5% in 2012 and was at its lowest, 1.7%, in 2000.
Australia ranks 50th of 86 countries on this measure, in the middle of the range.
The long-run direction has been consistently rising across the 13 years of available data.
Risk premium on lending in Australia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1995 | 2.9% | — |
| 1996 | 2.7% | -5.0% |
| 1997 | 1.9% | -30.8% |
| 1998 | 1.8% | -1.6% |
| 1999 | 1.8% | -2.1% |
| 2000 | 1.7% | -3.7% |
| 2001 | 2.0% | +17.3% |
| 2002 | 1.9% | -6.3% |
| 2009 | 2.9% | +50.2% |
| 2010 | 2.8% | -1.2% |
| 2011 | 3.2% | +12.1% |
| 2012 | 3.5% | +9.4% |
| 2013 | 3.4% | -3.7% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 2.2% | 1.8% | 2.9% | 5 |
| 2000s | 2.1% | 1.7% | 2.9% | 4 |
| 2010s | 3.2% | 2.8% | 3.5% | 4 |
Countries ranked near Australia
- 47 Papua New Guinea 4.1% compare
- 48 South Africa 3.5% compare
- 49 Albania 3.4% compare
- 51 United States of America 3.2% compare
- 52 Iceland 3.1% compare
- 53 Czechia 3.1% compare
More financial sector data for Australia
- Net domestic credit (current LCU), per capita 215,929 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 3.32 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 3.66 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 84.28 million SDR (2025)
- Gold reserves at market value 7.68 billion SDR (2025)
- Reserves excluding gold, foreign exchange 32.83 billion SDR (2025)
- Reserves excluding gold 45.36 billion SDR (2025)
- Total reserves (gold at market value) 53.04 billion SDR (2025)
- Total reserves (gold at national valuation) 53.03 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,921 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Australia?
- Risk premium on lending in Australia was 3.4% in 2013, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Australia?
- The highest recorded value was 3.5% in 2012.
- What is the lowest risk premium on lending recorded in Australia?
- The lowest recorded value was 1.7% in 2000.
- How does Australia rank for risk premium on lending?
- Australia ranks 50th out of 86 countries with data for 2013.
- Is risk premium on lending rising or falling in Australia?
- Over the last ten years it is up 75.2%. The long-run trend across the full record is rising.
- Where does this Australia 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.