Risk premium on lending in Georgia
Georgia: Risk premium on lending was 8.2% in 2025. ◆ Volatile
Risk premium on lending in Georgia, 2003–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Georgia recorded 8.2% for risk premium on lending in 2025.
The figure is up 18.7% on the previous year and up 122.2% over ten years.
Over the whole period, risk premium on lending in Georgia peaked at 11.9% in 2009 and was at its lowest, -20.5%, in 2003.
That places Georgia 14th out of 86 countries with data for 2025, putting it in the top quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Risk premium on lending in Georgia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 2003 | -20.5% | — |
| 2004 | 2.9% | -114.3% |
| 2005 | 5.0% | +70.0% |
| 2009 | 11.9% | +138.8% |
| 2010 | 6.3% | -47.1% |
| 2011 | 5.3% | -15.6% |
| 2012 | 8.0% | +51.5% |
| 2013 | 8.4% | +4.8% |
| 2014 | 5.7% | -31.9% |
| 2015 | 3.7% | -35.4% |
| 2016 | 4.2% | +14.1% |
| 2017 | 4.2% | -1.1% |
| 2018 | 3.9% | -7.6% |
| 2019 | 3.6% | -7.2% |
| 2020 | 3.2% | -9.6% |
| 2021 | 3.6% | +11.7% |
| 2022 | 3.5% | -4.2% |
| 2023 | 6.5% | +87.5% |
| 2024 | 6.9% | +6.6% |
| 2025 | 8.2% | +18.7% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | -0.2% | -20.5% | 11.9% | 4 |
| 2010s | 5.3% | 3.6% | 8.4% | 10 |
| 2020s | 5.3% | 3.2% | 8.2% | 6 |
Countries ranked near Georgia
More financial sector data for Georgia
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0076 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0055 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0076 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 Georgia?
- Risk premium on lending in Georgia was 8.2% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Georgia?
- The highest recorded value was 11.9% in 2009.
- What is the lowest risk premium on lending recorded in Georgia?
- The lowest recorded value was -20.5% in 2003.
- How does Georgia rank for risk premium on lending?
- Georgia ranks 14th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Georgia?
- Over the last ten years it is up 122.2%. The long-run trend across the full record is volatile.
- Where does this Georgia 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.