Risk premium on lending (lending rate minus treasury bill rate, %) in Montenegro
Montenegro: Risk premium on lending (lending rate minus treasury bill rate, %) 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 57th 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 (lending rate minus treasury bill rate, %) 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% |
Montenegro compared with similar countries
- Montenegro's 2.6% is below the median for upper middle income countries, which is 4.3%, 60% of the median. (29 countries reporting)
- Montenegro's 2.6% is below the median for Europe & Central Asia, which is 3.1%, 84% of the median. (19 countries reporting)
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
More financial sector data for Montenegro
- 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 0.0022 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 32.64 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 0.0016 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 23.83 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 0.0022 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 32.64 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 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 57th 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.