Risk premium on lending in Belize
Belize: Risk premium on lending was 7.9% in 2025. ▲ Rising
Risk premium on lending in Belize, 1982–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Belize recorded 7.9% for risk premium on lending in 2025.
Compared with earlier readings it is up 0.8% on the previous year and down 22.8% over ten years.
Over the whole period, risk premium on lending in Belize peaked at 12.8% in 1997 and was at its lowest, 1.8%, in 1985.
Belize ranks 16th of 85 countries on this measure, in the top quarter.
The long-run direction has been consistently rising across the 44 years of available data.
Risk premium on lending in Belize, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1982 | 2.6% | — |
| 1983 | 4.1% | +57.4% |
| 1984 | 5.0% | +23.5% |
| 1985 | 1.8% | -63.8% |
| 1986 | 3.9% | +112.6% |
| 1987 | 5.3% | +37.4% |
| 1988 | 5.2% | -2.0% |
| 1989 | 6.4% | +22.4% |
| 1990 | 6.7% | +4.2% |
| 1991 | 7.5% | +12.9% |
| 1992 | 8.9% | +18.7% |
| 1993 | 9.8% | +9.3% |
| 1994 | 10.5% | +7.5% |
| 1995 | 11.6% | +10.4% |
| 1996 | 12.5% | +8.0% |
| 1997 | 12.8% | +2.1% |
| 1998 | 12.7% | -0.9% |
| 1999 | 10.4% | -18.2% |
| 2000 | 10.1% | -2.6% |
| 2001 | 9.5% | -5.5% |
| 2002 | 10.2% | +7.3% |
| 2003 | 11.1% | +8.6% |
| 2004 | 10.7% | -3.6% |
| 2005 | 11.0% | +2.9% |
| 2006 | 11.0% | -0.4% |
| 2007 | 11.1% | +1.1% |
| 2008 | 10.9% | -1.7% |
| 2009 | 10.9% | -0.5% |
| 2010 | 10.8% | -0.2% |
| 2011 | 10.9% | +0.9% |
| 2012 | 10.4% | -5.3% |
| 2013 | 10.1% | -2.7% |
| 2014 | 10.4% | +2.7% |
| 2015 | 10.2% | -1.4% |
| 2016 | 9.8% | -4.0% |
| 2017 | 8.8% | -10.2% |
| 2018 | 7.9% | -10.2% |
| 2019 | 7.8% | -1.0% |
| 2020 | 7.5% | -4.7% |
| 2021 | 7.2% | -3.9% |
| 2022 | 7.6% | +6.1% |
| 2023 | 7.8% | +2.6% |
| 2024 | 7.8% | +0.1% |
| 2025 | 7.9% | +0.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 4.3% | 1.8% | 6.4% | 8 |
| 1990s | 10.3% | 6.7% | 12.8% | 10 |
| 2000s | 10.7% | 9.5% | 11.1% | 10 |
| 2010s | 9.7% | 7.8% | 10.9% | 10 |
| 2020s | 7.6% | 7.2% | 7.9% | 6 |
Countries ranked near Belize
More financial sector data for Belize
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 7.86 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.1097 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 863.07 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 6.95 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 965.87 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 6.95 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 965.87 SDR per person (2025)
- Total reserves (gold at national valuation) (SDR), annual growth rate 6.95 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 965.87 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 9.58 % change on previous year (2025)
Frequently asked questions
- What is risk premium on lending in Belize?
- Risk premium on lending in Belize was 7.9% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Belize?
- The highest recorded value was 12.8% in 1997.
- What is the lowest risk premium on lending recorded in Belize?
- The lowest recorded value was 1.8% in 1985.
- How does Belize rank for risk premium on lending?
- Belize ranks 16th out of 85 countries with data for 2025.
- Is risk premium on lending rising or falling in Belize?
- Over the last ten years it is down 22.8%. The long-run trend across the full record is rising.
- Where does this Belize 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.