Risk premium on lending in Romania
Romania: Risk premium on lending was 1.3% in 2025. ◆ Volatile
Risk premium on lending in Romania, 1994–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
In 2025, risk premium on lending in Romania stood at 1.3%.
That represents a change of down 44.8% on the previous year and down 70.9% over ten years.
Over the whole period, risk premium on lending in Romania peaked at 12.8% in 2004 and was at its lowest, -13.2%, in 1997.
That places Romania 73rd out of 86 countries with data for 2025, putting it in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Risk premium on lending in Romania, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1994 | 11.6% | — |
| 1995 | 8.6% | -25.8% |
| 1996 | 4.0% | -53.2% |
| 1997 | -13.2% | -426.6% |
| 1998 | -8.7% | -34.3% |
| 1999 | -8.6% | -1.2% |
| 2000 | 2.0% | -123.2% |
| 2001 | 3.2% | +61.5% |
| 2002 | 8.4% | +161.1% |
| 2003 | 10.8% | +28.1% |
| 2004 | 12.8% | +19.2% |
| 2005 | 12.1% | -5.5% |
| 2007 | 6.2% | -48.5% |
| 2008 | 4.6% | -26.8% |
| 2009 | 6.4% | +39.6% |
| 2010 | 6.9% | +7.6% |
| 2011 | 4.8% | -29.9% |
| 2012 | 5.1% | +5.2% |
| 2013 | 5.6% | +11.3% |
| 2014 | 4.6% | -18.2% |
| 2015 | 4.3% | -6.5% |
| 2016 | 3.3% | -23.5% |
| 2017 | 3.0% | -7.9% |
| 2018 | 2.5% | -16.3% |
| 2019 | 3.0% | +17.4% |
| 2020 | 2.9% | -2.2% |
| 2021 | 2.1% | -27.6% |
| 2022 | 0.2% | -89.2% |
| 2023 | 2.3% | +919.8% |
| 2024 | 2.3% | -2.3% |
| 2025 | 1.3% | -44.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | -1.0% | -13.2% | 11.6% | 6 |
| 2000s | 7.4% | 2.0% | 12.8% | 9 |
| 2010s | 4.3% | 2.5% | 6.9% | 10 |
| 2020s | 1.8% | 0.2% | 2.9% | 6 |
Countries ranked near Romania
More financial sector data for Romania
- Net domestic credit (current LCU), per capita 31,766 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 1.41 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 8.52 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 116.61 million SDR (2025)
- Gold reserves at market value 10.63 billion SDR (2025)
- Reserves excluding gold, foreign exchange 52.83 billion SDR (2025)
- Reserves excluding gold 55.56 billion SDR (2025)
- Total reserves (gold at market value) 66.19 billion SDR (2025)
- Total reserves (gold at national valuation) 66.04 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 3,472 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Romania?
- Risk premium on lending in Romania was 1.3% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Romania?
- The highest recorded value was 12.8% in 2004.
- What is the lowest risk premium on lending recorded in Romania?
- The lowest recorded value was -13.2% in 1997.
- How does Romania rank for risk premium on lending?
- Romania ranks 73rd out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Romania?
- Over the last ten years it is down 70.9%. The long-run trend across the full record is volatile.
- Where does this Romania 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.