Risk premium on lending (lending rate minus treasury bill rate, %) in Czechia
Czechia: Risk premium on lending (lending rate minus treasury bill rate, %) was 3.1% in 2018. ▲ Rising
Risk premium on lending in Czechia, 1993–2018
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
The most recent figure for risk premium on lending in Czechia is 3.1%, measured in 2018.
The figure is down 25.9% on the previous year and up 21.1% over ten years.
Over the whole period, risk premium on lending in Czechia peaked at 6.7% in 1994 and was at its lowest, -1.3%, in 1998.
That places Czechia 52nd out of 86 countries with data for 2018, putting it in the middle of the range.
The long-run direction has been consistently rising across the 25 years of available data.
Risk premium on lending (lending rate minus treasury bill rate, %) in Czechia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1993 | 5.7% | — |
| 1994 | 6.7% | +16.3% |
| 1995 | 4.3% | -36.1% |
| 1996 | 2.0% | -52.4% |
| 1997 | 2.3% | +12.2% |
| 1998 | -1.3% | -158.8% |
| 1999 | 1.5% | -209.3% |
| 2000 | 1.8% | +26.0% |
| 2001 | 2.0% | +8.6% |
| 2002 | 3.0% | +47.9% |
| 2003 | 3.7% | +23.9% |
| 2004 | 3.8% | +2.8% |
| 2005 | 3.8% | +1.7% |
| 2006 | 3.5% | -9.7% |
| 2007 | 2.9% | -14.7% |
| 2008 | 2.5% | -14.3% |
| 2009 | 4.0% | +58.6% |
| 2010 | 4.9% | +23.3% |
| 2011 | 4.9% | -1.1% |
| 2012 | 4.8% | -1.9% |
| 2013 | 4.9% | +1.3% |
| 2015 | 4.5% | -7.3% |
| 2016 | 4.2% | -7.6% |
| 2017 | 4.1% | -0.6% |
| 2018 | 3.1% | -25.9% |
Czechia compared with similar countries
- Czechia's 3.1% is above the median for high income countries, which is 2.9%, 1.1× the median. (26 countries reporting)
- Czechia's 3.1% is above the median for Europe & Central Asia, which is 3.1%, 1.0× the median. (19 countries reporting)
Biggest year-on-year movements
Years where Risk premium on lending (lending rate minus treasury bill rate, %) in Czechia changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 1999 | +209.3% | -1.3% | 1.5% |
| 1998 | -158.8% | 2.3% | -1.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 3.0% | -1.3% | 6.7% | 7 |
| 2000s | 3.1% | 1.8% | 4.0% | 10 |
| 2010s | 4.4% | 3.1% | 4.9% | 8 |
Countries ranked near Czechia
More financial sector data for Czechia
- Reserve position in the IMF, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 71.12 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -1.07 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 51.93 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 3.88 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 71.12 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -1.07 % change on previous year (2025)
Frequently asked questions
- What is risk premium on lending in Czechia?
- Risk premium on lending in Czechia was 3.1% in 2018, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Czechia?
- The highest recorded value was 6.7% in 1994.
- What is the lowest risk premium on lending recorded in Czechia?
- The lowest recorded value was -1.3% in 1998.
- How does Czechia rank for risk premium on lending?
- Czechia ranks 52nd out of 86 countries with data for 2018.
- Is risk premium on lending rising or falling in Czechia?
- Over the last ten years it is up 21.1%. The long-run trend across the full record is rising.
- Where does this Czechia 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.