Risk premium on lending (lending rate minus treasury bill rate, %) in Vietnam
Vietnam: Risk premium on lending (lending rate minus treasury bill rate, %) was 2.9% in 2015. ▼ Falling
Risk premium on lending in Vietnam, 1993–2015
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 Vietnam is 2.9%, measured in 2015.
Compared with earlier readings it is down 19.3% on the previous year and down 41.1% over ten years.
Over the whole period, risk premium on lending in Vietnam peaked at 7.0% in 2007 and was at its lowest, 2.0%, in 2010.
Vietnam ranks 54th of 86 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 20 years of available data.
Risk premium on lending (lending rate minus treasury bill rate, %) in Vietnam, year by year
| Year | lending rate minus treasury bill rate, % | Change |
|---|---|---|
| 1993 | 5.8% | — |
| 1997 | 3.5% | -38.8% |
| 1998 | 2.7% | -22.5% |
| 1999 | 3.8% | +37.5% |
| 2000 | 5.1% | +36.0% |
| 2001 | 3.9% | -23.4% |
| 2002 | 3.1% | -20.0% |
| 2003 | 3.7% | +16.2% |
| 2004 | 4.0% | +10.3% |
| 2005 | 4.9% | +21.5% |
| 2006 | 6.4% | +31.6% |
| 2007 | 7.0% | +9.0% |
| 2008 | 3.7% | -48.0% |
| 2009 | 2.0% | -44.4% |
| 2010 | 2.0% | -2.0% |
| 2011 | 4.6% | +131.3% |
| 2012 | 4.7% | +1.1% |
| 2013 | 3.7% | -19.9% |
| 2014 | 3.6% | -4.1% |
| 2015 | 2.9% | -19.3% |
Vietnam compared with similar countries
- Vietnam's 2.9% is below the median for upper middle income countries, which is 4.3%, 67% of the median. (29 countries reporting)
- Vietnam's 2.9% is below the median for East Asia & Pacific, which is 3.4%, 85% of the median. (14 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 4.0% | 2.7% | 5.8% | 4 |
| 2000s | 4.4% | 2.0% | 7.0% | 10 |
| 2010s | 3.6% | 2.0% | 4.7% | 6 |
Countries ranked near Vietnam
More financial sector data for Vietnam
- 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 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0001 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 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0 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 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0001 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 Vietnam?
- Risk premium on lending in Vietnam was 2.9% in 2015, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest risk premium on lending recorded in Vietnam?
- The highest recorded value was 7.0% in 2007.
- What is the lowest risk premium on lending recorded in Vietnam?
- The lowest recorded value was 2.0% in 2010.
- How does Vietnam rank for risk premium on lending?
- Vietnam ranks 54th out of 86 countries with data for 2015.
- Is risk premium on lending rising or falling in Vietnam?
- Over the last ten years it is down 41.1%. The long-run trend across the full record is falling.
- Where does this Vietnam 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.