Risk premium on lending in Malta
Malta: Risk premium on lending was 4.1% in 2013. ▲ Rising
Risk premium on lending in Malta, 1995–2013
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
In 2013, risk premium on lending in Malta stood at 4.1%. That is the highest value across all 19 years on record.
Compared with earlier readings it is up 11.3% on the previous year and up 61.2% over ten years.
Over the whole period, risk premium on lending in Malta peaked at 4.1% in 2013 and was at its lowest, 1.5%, in 2008.
That places Malta 46th out of 86 countries with data for 2013, putting it in the middle of the range.
The long-run direction has been consistently rising across the 19 years of available data.
Risk premium on lending in Malta, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1995 | 2.7% | — |
| 1996 | 2.8% | +1.6% |
| 1997 | 2.9% | +4.9% |
| 1998 | 2.7% | -8.1% |
| 1999 | 2.5% | -4.9% |
| 2000 | 2.4% | -6.3% |
| 2001 | 2.0% | -17.5% |
| 2002 | 2.0% | +2.2% |
| 2003 | 2.6% | +27.2% |
| 2004 | 2.4% | -6.8% |
| 2005 | 2.3% | -2.3% |
| 2006 | 2.2% | -7.3% |
| 2007 | 2.0% | -8.8% |
| 2008 | 1.5% | -26.4% |
| 2009 | 2.7% | +85.7% |
| 2010 | 3.8% | +40.1% |
| 2011 | 3.5% | -7.0% |
| 2012 | 3.7% | +5.6% |
| 2013 | 4.1% | +11.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 2.7% | 2.5% | 2.9% | 5 |
| 2000s | 2.2% | 1.5% | 2.7% | 10 |
| 2010s | 3.8% | 3.5% | 4.1% | 4 |
Countries ranked near Malta
More financial sector data for Malta
- Net domestic credit (current LCU), per capita 33,687 current LCU per person (2024)
- Net domestic credit (current LCU), per unit of GDP 0.7652 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), annual growth rate 7.2 % change on previous year (2024)
- Gold reserves at 35 SDRs per ounce 420,000 SDR (2025)
- Gold reserves at market value 38.27 million SDR (2025)
- Reserves excluding gold, foreign exchange 786.42 million SDR (2025)
- Reserves excluding gold 1.09 billion SDR (2025)
- Total reserves (gold at market value) 1.13 billion SDR (2025)
- Total reserves (gold at national valuation) 1.13 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,944 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Malta?
- Risk premium on lending in Malta was 4.1% in 2013, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Malta?
- The highest recorded value was 4.1% in 2013.
- What is the lowest risk premium on lending recorded in Malta?
- The lowest recorded value was 1.5% in 2008.
- How does Malta rank for risk premium on lending?
- Malta ranks 46th out of 86 countries with data for 2013.
- Is risk premium on lending rising or falling in Malta?
- Over the last ten years it is up 61.2%. The long-run trend across the full record is rising.
- Where does this Malta 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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CSV · JSON — 19 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.