Risk premium on lending in Thailand
Thailand: Risk premium on lending was 2.4% in 2025. ▼ Falling
Risk premium on lending in Thailand, 2001–2025
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 Thailand is 2.4%, measured in 2025.
That represents a change of up 5.3% on the previous year and down 22.8% over ten years.
Over the whole period, risk premium on lending in Thailand peaked at 5.0% in 2001 and was at its lowest, 1.6%, in 2006.
Thailand ranks 59th of 86 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 23 years of available data.
Risk premium on lending in Thailand, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 2001 | 5.0% | — |
| 2004 | 3.2% | -34.8% |
| 2005 | 2.0% | -37.0% |
| 2006 | 1.6% | -21.0% |
| 2007 | 2.6% | +58.7% |
| 2008 | 2.6% | +2.5% |
| 2009 | 3.5% | +34.3% |
| 2010 | 2.9% | -18.2% |
| 2011 | 2.2% | -24.1% |
| 2012 | 2.2% | +1.3% |
| 2013 | 2.5% | +12.2% |
| 2014 | 2.9% | +15.6% |
| 2015 | 3.1% | +8.3% |
| 2016 | 3.1% | -2.0% |
| 2017 | 3.1% | +0.9% |
| 2018 | 2.8% | -7.8% |
| 2019 | 2.5% | -11.0% |
| 2020 | 2.7% | +6.3% |
| 2021 | 2.6% | -1.5% |
| 2022 | 2.5% | -6.6% |
| 2023 | 2.5% | +1.0% |
| 2024 | 2.3% | -8.3% |
| 2025 | 2.4% | +5.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 2.9% | 1.6% | 5.0% | 7 |
| 2010s | 2.7% | 2.2% | 3.1% | 10 |
| 2020s | 2.5% | 2.3% | 2.7% | 6 |
Countries ranked near Thailand
- 56 Philippines 2.8% compare
- 57 Hong Kong, China 2.7% compare
- 58 Montenegro 2.6% compare
- 60 Namibia 2.2% compare
- 61 Azerbaijan 2.2% compare
- 62 Canada 2.2% compare
More financial sector data for Thailand
- Reserve position in the IMF, US dollar, annual growth rate 8.39 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 16.06 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 3.21 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 11.73 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 8.39 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 16.06 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 3.21 % change on previous year (2025)
Frequently asked questions
- What is risk premium on lending in Thailand?
- Risk premium on lending in Thailand was 2.4% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Thailand?
- The highest recorded value was 5.0% in 2001.
- What is the lowest risk premium on lending recorded in Thailand?
- The lowest recorded value was 1.6% in 2006.
- How does Thailand rank for risk premium on lending?
- Thailand ranks 59th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Thailand?
- Over the last ten years it is down 22.8%. The long-run trend across the full record is falling.
- Where does this Thailand 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.
Download this data
CSV · JSON — 23 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.