Risk premium on lending (lending rate minus treasury bill rate, %) in Moldova
Moldova: Risk premium on lending (lending rate minus treasury bill rate, %) was -0.1% in 2025. ◆ Volatile
Risk premium on lending in Moldova, 1996–2025
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 Moldova is -0.1%, measured in 2025.
Compared with earlier readings it is down 103.1% on the previous year and up 98.1% over ten years.
Over the whole period, risk premium on lending in Moldova peaked at 17.5% in 2002 and was at its lowest, -8.0%, in 1996.
Moldova ranks 80th of 86 countries on this measure, in the bottom 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 Moldova, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1996 | -8.0% | — |
| 1997 | 7.9% | -198.0% |
| 1998 | -3.4% | -143.0% |
| 1999 | 3.3% | -196.6% |
| 2000 | 9.1% | +180.5% |
| 2001 | 13.7% | +49.7% |
| 2002 | 17.5% | +28.1% |
| 2003 | 3.5% | -79.9% |
| 2004 | 8.7% | +145.7% |
| 2005 | 15.5% | +79.3% |
| 2006 | 10.7% | -31.1% |
| 2007 | 5.3% | -50.4% |
| 2008 | 2.2% | -59.0% |
| 2009 | 8.7% | +301.8% |
| 2010 | 9.2% | +5.8% |
| 2011 | 2.7% | -70.4% |
| 2012 | 7.2% | +162.4% |
| 2013 | 6.7% | -6.0% |
| 2014 | 4.3% | -36.7% |
| 2015 | -6.4% | -251.1% |
| 2016 | -1.1% | -82.2% |
| 2017 | 3.6% | -410.8% |
| 2018 | 4.1% | +14.7% |
| 2019 | 2.0% | -50.8% |
| 2020 | 3.0% | +48.7% |
| 2021 | 1.6% | -45.1% |
| 2022 | -6.2% | -477.2% |
| 2023 | 3.2% | -151.3% |
| 2024 | 4.0% | +25.5% |
| 2025 | -0.1% | -103.1% |
Moldova compared with similar countries
- Moldova's -0.1% is below the median for upper middle income countries, which is 4.3%. (29 countries reporting)
- Moldova's -0.1% is below the median for Europe & Central Asia, which is 3.1%. (19 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | -0.1% | -8.0% | 7.9% | 4 |
| 2000s | 9.5% | 2.2% | 17.5% | 10 |
| 2010s | 3.2% | -6.4% | 9.2% | 10 |
| 2020s | 0.9% | -6.2% | 4.0% | 6 |
Countries ranked near Moldova
- 77 Mexico 0.7% compare
- 78 Libya 0.6% compare
- 79 United Kingdom 0.1% compare
- 81 Bangladesh -2.1% compare
- 82 New Zealand -3.1% compare
- 83 Egypt -3.4% compare
More financial sector data for Moldova
- 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 0.0029 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 0.0021 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 0.0029 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 Moldova?
- Risk premium on lending in Moldova was -0.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Moldova?
- The highest recorded value was 17.5% in 2002.
- What is the lowest risk premium on lending recorded in Moldova?
- The lowest recorded value was -8.0% in 1996.
- How does Moldova rank for risk premium on lending?
- Moldova ranks 80th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Moldova?
- Over the last ten years it is up 98.1%. The long-run trend across the full record is volatile.
- Where does this Moldova 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.