Risk premium on lending (lending rate minus treasury bill rate, %) in Guyana
Guyana: Risk premium on lending (lending rate minus treasury bill rate, %) was 7.1% in 2025. ◆ Volatile
Risk premium on lending in Guyana, 1981–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Guyana recorded 7.1% for risk premium on lending in 2025.
Compared with earlier readings it is down 1.9% on the previous year and down 35.1% over ten years.
Over the whole period, risk premium on lending in Guyana peaked at 12.2% in 2013 and was at its lowest, 0.7%, in 1994.
That places Guyana 19th 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 (lending rate minus treasury bill rate, %) in Guyana, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1981 | 1.9% | — |
| 1982 | 2.1% | +11.5% |
| 1983 | 2.2% | +7.4% |
| 1984 | 2.2% | +0.0% |
| 1985 | 2.2% | +0.0% |
| 1986 | 2.2% | +0.0% |
| 1987 | 3.7% | +62.9% |
| 1988 | 4.0% | +10.3% |
| 1989 | 3.8% | -7.2% |
| 1990 | 2.8% | -26.7% |
| 1991 | 2.6% | -4.9% |
| 1992 | 2.9% | +12.5% |
| 1993 | 2.5% | -13.8% |
| 1994 | 0.7% | -72.5% |
| 1995 | 1.7% | +145.5% |
| 1996 | 6.4% | +275.9% |
| 1997 | 8.1% | +26.3% |
| 1998 | 8.4% | +3.7% |
| 1999 | 5.8% | -31.3% |
| 2000 | 7.4% | +27.9% |
| 2001 | 9.2% | +24.4% |
| 2002 | 11.4% | +23.4% |
| 2003 | 12.0% | +5.0% |
| 2004 | 10.9% | -8.6% |
| 2005 | 10.8% | -1.6% |
| 2006 | 10.6% | -1.5% |
| 2007 | 10.7% | +0.8% |
| 2008 | 10.6% | -0.7% |
| 2009 | 10.2% | -3.4% |
| 2010 | 10.7% | +4.2% |
| 2011 | 12.0% | +12.2% |
| 2012 | 12.1% | +1.3% |
| 2013 | 12.2% | +0.4% |
| 2014 | 11.3% | -7.5% |
| 2015 | 11.0% | -2.4% |
| 2016 | 11.1% | +1.4% |
| 2017 | 11.5% | +2.7% |
| 2018 | 11.5% | +0.1% |
| 2019 | 8.9% | -22.0% |
| 2020 | 7.9% | -11.3% |
| 2021 | 7.3% | -7.4% |
| 2022 | 6.9% | -6.2% |
| 2023 | 6.9% | +1.0% |
| 2024 | 7.3% | +4.7% |
| 2025 | 7.1% | -1.9% |
Guyana compared with similar countries
- Guyana's 7.1% is above the median for high income countries, which is 2.9%, 2.5× the median. (26 countries reporting)
- Guyana's 7.1% is above the median for Latin America & Caribbean, which is 5.9%, 1.2× the median. (16 countries reporting)
Biggest year-on-year movements
Years where Risk premium on lending (lending rate minus treasury bill rate, %) in Guyana 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 |
|---|---|---|---|
| 1996 | +275.9% | 1.7% | 6.4% |
| 1995 | +145.5% | 0.7% | 1.7% |
| 1994 | -72.5% | 2.5% | 0.7% |
| 1987 | +62.9% | 2.2% | 3.7% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 2.7% | 1.9% | 4.0% | 9 |
| 1990s | 4.2% | 0.7% | 8.4% | 10 |
| 2000s | 10.4% | 7.4% | 12.0% | 10 |
| 2010s | 11.2% | 8.9% | 12.2% | 10 |
| 2020s | 7.3% | 6.9% | 7.9% | 6 |
Countries ranked near Guyana
- 16 Barbados 7.5% compare
- 17 Seychelles 7.4% compare
- 18 Ethiopia 7.3% compare
- 20 Bulgaria 7.1% compare
- 21 Antigua and Barbuda 7.0% compare
- 22 Uzbekistan 6.9% compare
More financial sector data for Guyana
- Reserve position in the IMF, US dollar, annual growth rate -100 % change on previous year (1976)
- 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 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate -100 % change on previous year (1976)
- 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 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate -100 % change on previous year (1976)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0 units per person (2025)
- Reserve tranche position, SDR, annual growth rate -100 % change on previous year (1976)
Frequently asked questions
- What is risk premium on lending in Guyana?
- Risk premium on lending in Guyana was 7.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Guyana?
- The highest recorded value was 12.2% in 2013.
- What is the lowest risk premium on lending recorded in Guyana?
- The lowest recorded value was 0.7% in 1994.
- How does Guyana rank for risk premium on lending?
- Guyana ranks 19th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Guyana?
- Over the last ten years it is down 35.1%. The long-run trend across the full record is volatile.
- Where does this Guyana 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.