Risk premium on lending in Gambia
Gambia: Risk premium on lending was 8.3% in 2025. ▲ Rising
Risk premium on lending in Gambia, 1985–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Gambia recorded 8.3% for risk premium on lending in 2025.
That represents a change of down 30.3% on the previous year and down 54.3% over ten years.
Over the whole period, risk premium on lending in Gambia peaked at 19.9% in 2020 and was at its lowest, 2.8%, in 2003.
That places Gambia 13th out of 86 countries with data for 2025, putting it in the top quarter.
The long-run direction has been consistently rising across the 37 years of available data.
Risk premium on lending in Gambia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1985 | 4.0% | — |
| 1986 | 11.4% | +185.6% |
| 1987 | 8.2% | -28.2% |
| 1988 | 11.5% | +41.3% |
| 1989 | 9.1% | -21.3% |
| 1990 | 9.0% | -0.9% |
| 1991 | 8.0% | -10.6% |
| 1992 | 8.0% | +0.0% |
| 1993 | 8.7% | +7.8% |
| 1994 | 9.5% | +9.6% |
| 1995 | 9.4% | -0.9% |
| 1996 | 9.5% | +0.9% |
| 1997 | 9.5% | +0.0% |
| 1998 | 9.7% | +1.8% |
| 1999 | 10.4% | +7.3% |
| 2000 | 11.9% | +14.9% |
| 2001 | 10.9% | -8.4% |
| 2002 | 8.6% | -21.4% |
| 2003 | 2.8% | -67.0% |
| 2004 | 5.8% | +102.9% |
| 2005 | 12.4% | +115.9% |
| 2006 | 15.6% | +25.7% |
| 2007 | 14.5% | -7.4% |
| 2008 | 13.7% | -5.3% |
| 2009 | 12.7% | -7.4% |
| 2010 | 13.8% | +9.2% |
| 2011 | 16.2% | +17.0% |
| 2012 | 15.5% | -4.0% |
| 2017 | 18.3% | +17.6% |
| 2018 | 19.1% | +4.3% |
| 2019 | 19.5% | +2.3% |
| 2020 | 19.9% | +1.9% |
| 2021 | 16.1% | -18.9% |
| 2022 | 14.3% | -11.4% |
| 2023 | 9.0% | -37.0% |
| 2024 | 12.0% | +33.1% |
| 2025 | 8.3% | -30.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 8.8% | 4.0% | 11.5% | 5 |
| 1990s | 9.2% | 8.0% | 10.4% | 10 |
| 2000s | 10.9% | 2.8% | 15.6% | 10 |
| 2010s | 17.1% | 13.8% | 19.5% | 6 |
| 2020s | 13.3% | 8.3% | 19.9% | 6 |
Countries ranked near Gambia
More financial sector data for Gambia
- 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 0.0049 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 4.54 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 0.0036 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 3.31 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 0.0049 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 4.54 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 Gambia?
- Risk premium on lending in Gambia was 8.3% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Gambia?
- The highest recorded value was 19.9% in 2020.
- What is the lowest risk premium on lending recorded in Gambia?
- The lowest recorded value was 2.8% in 2003.
- How does Gambia rank for risk premium on lending?
- Gambia ranks 13th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Gambia?
- Over the last ten years it is down 54.3%. The long-run trend across the full record is rising.
- Where does this Gambia 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 — 37 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.