Risk premium on lending in Eswatini
Eswatini: Risk premium on lending was 1.7% in 2024. ▼ Falling
Risk premium on lending in Eswatini, 1975–2024
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
In 2024, risk premium on lending in Eswatini stood at 1.7%.
The figure is down 7.6% on the previous year and down 23.8% over ten years.
Over the whole period, risk premium on lending in Eswatini peaked at 6.7% in 2002 and was at its lowest, -0.8%, in 1981.
Eswatini ranks 69th 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 Eswatini, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1975 | 4.5% | — |
| 1976 | 4.5% | +0.0% |
| 1977 | 4.5% | +0.0% |
| 1978 | 3.1% | -31.1% |
| 1979 | 2.0% | -34.2% |
| 1980 | 1.8% | -12.3% |
| 1981 | -0.8% | -141.9% |
| 1982 | 2.8% | -470.0% |
| 1983 | 3.5% | +24.6% |
| 1984 | 2.6% | -24.9% |
| 1985 | 4.2% | +60.0% |
| 1986 | 4.5% | +8.9% |
| 1987 | 5.9% | +30.5% |
| 1988 | 5.9% | -0.6% |
| 1989 | 4.3% | -26.1% |
| 1990 | 3.4% | -22.5% |
| 1991 | 3.3% | -0.4% |
| 1992 | 3.6% | +6.9% |
| 1993 | 4.7% | +30.4% |
| 1994 | 5.9% | +26.4% |
| 1995 | 6.2% | +4.7% |
| 1996 | 5.0% | -19.2% |
| 1997 | 5.1% | +2.8% |
| 1998 | 6.4% | +24.9% |
| 1999 | 6.2% | -2.9% |
| 2000 | 5.7% | -8.4% |
| 2001 | 6.1% | +6.8% |
| 2002 | 6.7% | +9.3% |
| 2003 | 4.0% | -39.7% |
| 2004 | 3.4% | -16.5% |
| 2005 | 3.5% | +5.9% |
| 2006 | 3.6% | +2.0% |
| 2007 | 4.1% | +14.1% |
| 2008 | 4.1% | -1.8% |
| 2009 | 3.4% | -15.2% |
| 2010 | 3.1% | -8.5% |
| 2011 | 2.9% | -7.0% |
| 2012 | 1.9% | -35.9% |
| 2013 | 2.2% | +16.8% |
| 2014 | 2.2% | +0.3% |
| 2015 | 2.6% | +18.5% |
| 2016 | 3.0% | +17.1% |
| 2017 | 2.7% | -12.5% |
| 2018 | 2.6% | -2.3% |
| 2019 | 2.4% | -7.4% |
| 2020 | 2.1% | -13.8% |
| 2021 | 2.3% | +12.8% |
| 2022 | 1.7% | -27.3% |
| 2023 | 1.8% | +6.3% |
| 2024 | 1.7% | -7.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1970s | 3.7% | 2.0% | 4.5% | 5 |
| 1980s | 3.5% | -0.8% | 5.9% | 10 |
| 1990s | 5.0% | 3.3% | 6.4% | 10 |
| 2000s | 4.5% | 3.4% | 6.7% | 10 |
| 2010s | 2.6% | 1.9% | 3.1% | 10 |
| 2020s | 1.9% | 1.7% | 2.3% | 5 |
Countries ranked near Eswatini
More financial sector data for Eswatini
- Net domestic credit (current LCU), per capita 19,683 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 4.79 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 11.71 % change on previous year (2025)
- Reserves excluding gold, foreign exchange 397.65 million SDR (2024)
- Reserves excluding gold 411.44 million SDR (2024)
- Total reserves (gold at market value) 411.44 million SDR (2024)
- Total reserves (gold at national valuation) 411.44 million SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 331.05 SDR per person (2024)
- Total reserves (gold at national valuation) (SDR), annual growth rate 15.18 % change on previous year (2024)
- Total reserves (gold at market value) (SDR), per capita 331.05 SDR per person (2024)
Frequently asked questions
- What is risk premium on lending in Eswatini?
- Risk premium on lending in Eswatini was 1.7% in 2024, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Eswatini?
- The highest recorded value was 6.7% in 2002.
- What is the lowest risk premium on lending recorded in Eswatini?
- The lowest recorded value was -0.8% in 1981.
- How does Eswatini rank for risk premium on lending?
- Eswatini ranks 69th out of 86 countries with data for 2024.
- Is risk premium on lending rising or falling in Eswatini?
- Over the last ten years it is down 23.8%. The long-run trend across the full record is falling.
- Where does this Eswatini 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.
Download this data
CSV · JSON — 50 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.