Risk premium on lending in Bahamas
Bahamas: Risk premium on lending was 1.2% in 2025. ▼ Falling
Risk premium on lending in Bahamas, 1976–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Bahamas recorded 1.2% for risk premium on lending in 2025. That is the lowest value across all 50 years on record.
That represents a change of down 10.6% on the previous year and down 71.0% over ten years.
Over the whole period, risk premium on lending in Bahamas peaked at 6.6% in 1987 and was at its lowest, 1.2%, in 2025.
Bahamas ranks 75th of 86 countries on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 50 years of available data.
Risk premium on lending in Bahamas, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1976 | 4.2% | — |
| 1977 | 4.6% | +9.4% |
| 1978 | 6.0% | +31.3% |
| 1979 | 6.1% | +0.6% |
| 1980 | 3.5% | -42.8% |
| 1981 | 2.1% | -39.1% |
| 1982 | 2.2% | +6.0% |
| 1983 | 1.9% | -15.5% |
| 1984 | 4.1% | +118.1% |
| 1985 | 4.4% | +7.4% |
| 1986 | 5.8% | +30.5% |
| 1987 | 6.6% | +14.2% |
| 1988 | 4.5% | -31.3% |
| 1989 | 3.8% | -16.5% |
| 1990 | 3.1% | -16.9% |
| 1991 | 2.5% | -20.3% |
| 1992 | 2.8% | +9.9% |
| 1993 | 3.5% | +26.8% |
| 1994 | 5.0% | +42.8% |
| 1995 | 3.7% | -25.1% |
| 1996 | 2.3% | -38.6% |
| 1997 | 2.4% | +4.6% |
| 1998 | 2.9% | +21.1% |
| 1999 | 4.4% | +51.4% |
| 2000 | 5.0% | +12.8% |
| 2001 | 4.1% | -18.3% |
| 2002 | 3.5% | -13.6% |
| 2003 | 4.2% | +20.5% |
| 2004 | 5.4% | +28.9% |
| 2005 | 5.4% | -0.8% |
| 2006 | 4.6% | -14.2% |
| 2007 | 2.8% | -38.8% |
| 2008 | 2.8% | -2.5% |
| 2009 | 2.9% | +4.2% |
| 2010 | 3.2% | +11.8% |
| 2011 | 3.8% | +18.4% |
| 2012 | 4.5% | +18.4% |
| 2013 | 4.5% | -1.4% |
| 2014 | 4.2% | -5.3% |
| 2015 | 4.1% | -3.4% |
| 2016 | 3.1% | -23.6% |
| 2017 | 2.4% | -22.1% |
| 2018 | 2.6% | +5.6% |
| 2019 | 2.6% | +3.4% |
| 2020 | 2.5% | -7.2% |
| 2021 | 1.7% | -32.1% |
| 2022 | 1.4% | -16.7% |
| 2023 | 1.3% | -3.1% |
| 2024 | 1.3% | -1.9% |
| 2025 | 1.2% | -10.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1970s | 5.2% | 4.2% | 6.1% | 4 |
| 1980s | 3.9% | 1.9% | 6.6% | 10 |
| 1990s | 3.3% | 2.3% | 5.0% | 10 |
| 2000s | 4.1% | 2.8% | 5.4% | 10 |
| 2010s | 3.5% | 2.4% | 4.5% | 10 |
| 2020s | 1.6% | 1.2% | 2.5% | 6 |
Countries ranked near Bahamas
More financial sector data for Bahamas
- 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 0.0016 units per US$ of GDP (2024)
- Reserve position in the IMF, US dollar, per capita 65.53 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 0.0012 units per US$ of GDP (2024)
- Reserve position in the IMF, SDR, per capita 47.85 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 0.0016 units per US$ of GDP (2024)
- Reserve tranche position, US dollar, per capita 65.53 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 Bahamas?
- Risk premium on lending in Bahamas was 1.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Bahamas?
- The highest recorded value was 6.6% in 1987.
- What is the lowest risk premium on lending recorded in Bahamas?
- The lowest recorded value was 1.2% in 2025.
- How does Bahamas rank for risk premium on lending?
- Bahamas ranks 75th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Bahamas?
- Over the last ten years it is down 71.0%. The long-run trend across the full record is falling.
- Where does this Bahamas 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.