Risk premium on lending in Montenegro
Montenegro: Risk premium on lending was 2.6% in 2025. ▼ Falling
Risk premium on lending in Montenegro, 2005–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Montenegro recorded 2.6% for risk premium on lending in 2025.
The figure is down 9.8% on the previous year and down 69.0% over ten years.
Over the whole period, risk premium on lending in Montenegro peaked at 9.9% in 2006 and was at its lowest, 2.4%, in 2023.
Montenegro ranks 58th of 86 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 21 years of available data.
Risk premium on lending in Montenegro, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 2005 | 6.4% | — |
| 2006 | 9.9% | +54.6% |
| 2007 | 8.7% | -12.1% |
| 2008 | 8.7% | +0.8% |
| 2009 | 6.2% | -29.4% |
| 2010 | 6.3% | +2.4% |
| 2011 | 7.0% | +11.0% |
| 2012 | 4.8% | -31.3% |
| 2013 | 6.1% | +27.3% |
| 2014 | 8.1% | +31.2% |
| 2015 | 8.3% | +2.9% |
| 2016 | 6.0% | -27.6% |
| 2017 | 4.8% | -19.3% |
| 2018 | 6.0% | +23.6% |
| 2019 | 5.6% | -5.9% |
| 2020 | 5.0% | -11.3% |
| 2021 | 4.9% | -2.8% |
| 2022 | 4.3% | -12.5% |
| 2023 | 2.4% | -43.7% |
| 2024 | 2.8% | +18.9% |
| 2025 | 2.6% | -9.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 8.0% | 6.2% | 9.9% | 5 |
| 2010s | 6.3% | 4.8% | 8.3% | 10 |
| 2020s | 3.7% | 2.4% | 5.0% | 6 |
Countries ranked near Montenegro
- 55 Viet Nam 2.9% compare
- 56 Philippines 2.8% compare
- 57 Hong Kong, China 2.7% compare
- 59 Thailand 2.4% compare
- 60 Namibia 2.2% compare
- 61 Azerbaijan 2.2% compare
More financial sector data for Montenegro
- Net domestic credit (current LCU), per capita 5,846 current LCU per person (2024)
- Net domestic credit (current LCU), per unit of GDP 0.4406 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), annual growth rate 2.45 % change on previous year (2024)
- Gold reserves at 35 SDRs per ounce 0 SDR (2025)
- Gold reserves at market value 0 SDR (2025)
- Reserves excluding gold, foreign exchange 1.52 billion SDR (2025)
- Reserves excluding gold 1.60 billion SDR (2025)
- Total reserves (gold at market value) 1.60 billion SDR (2025)
- Total reserves (gold at national valuation) 1.60 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 2,574 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Montenegro?
- Risk premium on lending in Montenegro was 2.6% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Montenegro?
- The highest recorded value was 9.9% in 2006.
- What is the lowest risk premium on lending recorded in Montenegro?
- The lowest recorded value was 2.4% in 2023.
- How does Montenegro rank for risk premium on lending?
- Montenegro ranks 58th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Montenegro?
- Over the last ten years it is down 69.0%. The long-run trend across the full record is falling.
- Where does this Montenegro 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 — 21 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.