Risk premium on lending in Malaysia
Malaysia: Risk premium on lending was 1.8% in 2016. ▼ Falling
Risk premium on lending in Malaysia, 1976–2016
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 Malaysia is 1.8%, measured in 2016.
The figure is up 21.7% on the previous year and down 45.6% over ten years.
Over the whole period, risk premium on lending in Malaysia peaked at 8.1% in 1986 and was at its lowest, 1.5%, in 2015.
Malaysia ranks 68th of 86 countries on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 41 years of available data.
Risk premium on lending in Malaysia, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1976 | 5.3% | — |
| 1977 | 6.2% | +16.8% |
| 1978 | 5.2% | -15.5% |
| 1979 | 6.1% | +16.6% |
| 1980 | 6.1% | +0.1% |
| 1981 | 7.4% | +21.7% |
| 1982 | 7.4% | +0.5% |
| 1983 | 6.7% | -10.6% |
| 1984 | 7.1% | +6.8% |
| 1985 | 7.8% | +10.0% |
| 1986 | 8.1% | +3.8% |
| 1987 | 7.7% | -5.3% |
| 1988 | 5.8% | -24.4% |
| 1989 | 3.6% | -38.0% |
| 1990 | 2.7% | -26.0% |
| 1991 | 2.1% | -22.3% |
| 1992 | 2.5% | +20.6% |
| 1993 | 3.5% | +41.8% |
| 1994 | 5.1% | +43.2% |
| 1995 | 3.2% | -36.5% |
| 1996 | 3.5% | +9.5% |
| 1997 | 4.2% | +19.5% |
| 1998 | 5.3% | +24.8% |
| 1999 | 5.0% | -4.4% |
| 2000 | 4.8% | -4.5% |
| 2001 | 4.3% | -9.9% |
| 2002 | 3.8% | -12.4% |
| 2003 | 3.5% | -7.5% |
| 2004 | 3.7% | +3.9% |
| 2005 | 3.5% | -5.0% |
| 2006 | 3.3% | -6.0% |
| 2007 | 3.0% | -8.7% |
| 2008 | 2.7% | -9.6% |
| 2009 | 3.0% | +12.7% |
| 2010 | 2.4% | -20.3% |
| 2011 | 2.0% | -17.6% |
| 2012 | 1.7% | -12.1% |
| 2013 | 1.7% | -5.6% |
| 2014 | 1.5% | -11.5% |
| 2015 | 1.5% | -0.4% |
| 2016 | 1.8% | +21.7% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1970s | 5.7% | 5.2% | 6.2% | 4 |
| 1980s | 6.8% | 3.6% | 8.1% | 10 |
| 1990s | 3.7% | 2.1% | 5.3% | 10 |
| 2000s | 3.6% | 2.7% | 4.8% | 10 |
| 2010s | 1.8% | 1.5% | 2.4% | 7 |
Countries ranked near Malaysia
More financial sector data for Malaysia
- Reserve position in the IMF, US dollar, annual growth rate 5.91 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 35.78 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0.8573 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 26.13 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.91 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 35.78 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0.8573 % change on previous year (2025)
Frequently asked questions
- What is risk premium on lending in Malaysia?
- Risk premium on lending in Malaysia was 1.8% in 2016, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Malaysia?
- The highest recorded value was 8.1% in 1986.
- What is the lowest risk premium on lending recorded in Malaysia?
- The lowest recorded value was 1.5% in 2015.
- How does Malaysia rank for risk premium on lending?
- Malaysia ranks 68th out of 86 countries with data for 2016.
- Is risk premium on lending rising or falling in Malaysia?
- Over the last ten years it is down 45.6%. The long-run trend across the full record is falling.
- Where does this Malaysia 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.