Risk premium on lending in Seychelles
Seychelles: Risk premium on lending was 7.4% in 2025. ▲ Rising
Risk premium on lending in Seychelles, 1989–2025
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 Seychelles stood at 7.4%.
The figure is up 6.9% on the previous year and up 125.8% over ten years.
Over the whole period, risk premium on lending in Seychelles peaked at 9.7% in 2010 and was at its lowest, 1.5%, in 2012.
That places Seychelles 19th out of 86 countries with data for 2025, putting it in the top quarter.
The long-run direction has been consistently rising across the 37 years of available data.
Risk premium on lending in Seychelles, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1989 | 2.1% | — |
| 1990 | 2.5% | +18.1% |
| 1991 | 2.2% | -12.3% |
| 1992 | 2.2% | -0.6% |
| 1993 | 2.5% | +14.1% |
| 1994 | 3.2% | +30.5% |
| 1995 | 3.5% | +8.2% |
| 1996 | 4.7% | +33.8% |
| 1997 | 4.4% | -6.1% |
| 1998 | 6.2% | +41.0% |
| 1999 | 6.2% | -0.1% |
| 2000 | 5.7% | -7.0% |
| 2001 | 5.6% | -1.9% |
| 2002 | 5.6% | -0.7% |
| 2003 | 6.0% | +7.6% |
| 2004 | 6.8% | +13.5% |
| 2005 | 6.4% | -5.9% |
| 2006 | 6.3% | -1.2% |
| 2007 | 7.0% | +9.9% |
| 2008 | 4.7% | -32.1% |
| 2009 | 2.4% | -49.8% |
| 2010 | 9.7% | +306.4% |
| 2011 | 7.0% | -28.0% |
| 2012 | 1.5% | -79.1% |
| 2013 | 8.4% | +475.0% |
| 2014 | 8.0% | -4.1% |
| 2015 | 3.3% | -59.1% |
| 2016 | 5.9% | +81.2% |
| 2017 | 6.8% | +14.1% |
| 2018 | 7.1% | +5.2% |
| 2019 | 7.1% | -0.5% |
| 2020 | 6.9% | -2.5% |
| 2021 | 5.4% | -21.7% |
| 2022 | 8.0% | +47.5% |
| 2023 | 8.0% | -0.2% |
| 2024 | 6.9% | -13.2% |
| 2025 | 7.4% | +6.9% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1980s | 2.1% | 2.1% | 2.1% | 1 |
| 1990s | 3.7% | 2.2% | 6.2% | 10 |
| 2000s | 5.7% | 2.4% | 7.0% | 10 |
| 2010s | 6.5% | 1.5% | 9.7% | 10 |
| 2020s | 7.1% | 5.4% | 8.0% | 6 |
Countries ranked near Seychelles
More financial sector data for Seychelles
- Net domestic credit (current LCU), per capita 80,050 current LCU per person (2016)
- Net domestic credit (current LCU), per unit of GDP 4.83 current LCU per US$ of GDP (2016)
- Net domestic credit (current LCU), annual growth rate 16.18 % change on previous year (2016)
- Reserves excluding gold, foreign exchange 579.47 million SDR (2024)
- Reserves excluding gold 593.25 million SDR (2024)
- Total reserves (gold at market value) 593.25 million SDR (2024)
- Total reserves (gold at national valuation) 593.25 million SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 4,889 SDR per person (2024)
- Total reserves (gold at national valuation) (SDR), annual growth rate 16.57 % change on previous year (2024)
- Total reserves (gold at market value) (SDR), per capita 4,889 SDR per person (2024)
Frequently asked questions
- What is risk premium on lending in Seychelles?
- Risk premium on lending in Seychelles was 7.4% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Seychelles?
- The highest recorded value was 9.7% in 2010.
- What is the lowest risk premium on lending recorded in Seychelles?
- The lowest recorded value was 1.5% in 2012.
- How does Seychelles rank for risk premium on lending?
- Seychelles ranks 19th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Seychelles?
- Over the last ten years it is up 125.8%. The long-run trend across the full record is rising.
- Where does this Seychelles 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.