Risk premium on lending in Uruguay
Uruguay: Risk premium on lending was 1.1% in 2025. ◆ Volatile
Risk premium on lending in Uruguay, 1991–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus treasury bill rate, %.
Analysis
Uruguay recorded 1.1% for risk premium on lending in 2025.
Compared with earlier readings it is up 12.6% on the previous year and down 52.3% over ten years.
Over the whole period, risk premium on lending in Uruguay peaked at 67.8% in 1992 and was at its lowest, 0.9%, in 2022.
That places Uruguay 76th 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 Uruguay, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1991 | 67.1% | — |
| 1992 | 67.8% | +1.1% |
| 1993 | 45.3% | -33.3% |
| 1994 | 47.6% | +5.1% |
| 1995 | 56.6% | +19.1% |
| 1996 | 59.5% | +5.0% |
| 1997 | 46.2% | -22.4% |
| 1998 | 39.7% | -14.1% |
| 2002 | 15.5% | -61.0% |
| 2003 | 26.4% | +70.9% |
| 2004 | 8.9% | -66.2% |
| 2005 | 9.5% | +6.1% |
| 2006 | 4.7% | -50.3% |
| 2007 | 1.8% | -61.1% |
| 2008 | 2.4% | +30.9% |
| 2009 | 3.4% | +42.4% |
| 2010 | 1.3% | -62.9% |
| 2011 | 1.0% | -20.5% |
| 2012 | 1.8% | +78.5% |
| 2013 | 1.1% | -40.9% |
| 2014 | 1.2% | +10.2% |
| 2015 | 2.4% | +102.8% |
| 2016 | 2.7% | +12.4% |
| 2017 | 3.4% | +28.4% |
| 2018 | 2.8% | -17.5% |
| 2019 | 2.3% | -18.6% |
| 2020 | 2.8% | +20.0% |
| 2021 | 1.2% | -56.9% |
| 2022 | 0.9% | -25.8% |
| 2023 | 1.3% | +43.5% |
| 2024 | 1.0% | -20.6% |
| 2025 | 1.1% | +12.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 53.7% | 39.7% | 67.8% | 8 |
| 2000s | 9.1% | 1.8% | 26.4% | 8 |
| 2010s | 2.0% | 1.0% | 3.4% | 10 |
| 2020s | 1.4% | 0.9% | 2.8% | 6 |
Countries ranked near Uruguay
More financial sector data for Uruguay
- Net domestic credit (current LCU), per capita 396,400 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 15.72 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 6.67 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 112,105 SDR (2025)
- Gold reserves at market value 10.22 million SDR (2025)
- Reserves excluding gold, foreign exchange 13.10 billion SDR (2025)
- Reserves excluding gold 13.85 billion SDR (2025)
- Total reserves (gold at market value) 13.86 billion SDR (2025)
- Total reserves (gold at national valuation) 13.86 billion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 4,096 SDR per person (2025)
Frequently asked questions
- What is risk premium on lending in Uruguay?
- Risk premium on lending in Uruguay was 1.1% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Uruguay?
- The highest recorded value was 67.8% in 1992.
- What is the lowest risk premium on lending recorded in Uruguay?
- The lowest recorded value was 0.9% in 2022.
- How does Uruguay rank for risk premium on lending?
- Uruguay ranks 76th out of 86 countries with data for 2025.
- Is risk premium on lending rising or falling in Uruguay?
- Over the last ten years it is down 52.3%. The long-run trend across the full record is volatile.
- Where does this Uruguay 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.