Bank net interest margin (%) by country
Raw data are from Bankscope. Data2080[t] / ((data2010[t] + data2010[t-1])/2). Numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.
Countries reporting
162
Highest
14.7%
Sierra Leone
Lowest
0.2%
Iraq
Median
3.1%
Years covered
22
2000–2021
Data points
3,147
What the numbers show
Bank net interest margin (%) is currently reported for 162 countries. The highest value is 14.7% in Sierra Leone; the lowest is 0.2% in Iraq.
The median across all reporting countries is 3.1%, and the mean is 3.7%.
The gap between the highest and lowest reporting country is a factor of about 87.
Over the past decade 38 countries rose and 123 fell. The largest increase was in Lebanon (up 265.2%), and the largest decrease in Iraq (down 95.9%).
Bank net interest margin: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Sierra Leone | 14.7% | 2019 | up 78.2% | falling |
| 2 | Zimbabwe | 12.8% | 2021 | up 20.0% | falling |
| 3 | Tajikistan | 12.6% | 2021 | up 256.0% | rising |
| 4 | Guinea | 11.0% | 2020 | up 123.8% | rising |
| 5 | Argentina | 10.4% | 2021 | up 50.5% | rising |
| 6 | Uganda | 9.7% | 2021 | down 4.7% | falling |
| 7 | Rwanda | 9.5% | 2021 | down 3.7% | falling |
| 8 | Mozambique | 9.4% | 2021 | up 12.0% | rising |
| 9 | Zambia | 9.4% | 2021 | up 10.9% | flat |
| 10 | Ghana | 9.4% | 2021 | up 1.2% | falling |
| 11 | Liberia | 8.1% | 2021 | up 8.9% | rising |
| 12 | Tanzania | 8.0% | 2021 | up 12.0% | rising |
| 13 | Eswatini | 8.0% | 2019 | up 8.2% | flat |
| 14 | Lebanon | 7.9% | 2021 | up 265.2% | rising |
| 15 | Angola | 7.5% | 2021 | up 7.9% | flat |
| 16 | Malawi | 7.3% | 2021 | down 35.6% | falling |
| 17 | Burundi | 7.2% | 2021 | up 12.9% | falling |
| 18 | Dominican Republic | 7.1% | 2021 | down 32.4% | falling |
| 19 | Madagascar | 6.7% | 2020 | up 45.5% | falling |
| 20 | Nicaragua | 6.6% | 2021 | down 5.4% | rising |
| 21 | Kyrgyzstan | 6.5% | 2021 | down 49.7% | rising |
| 22 | Honduras | 6.2% | 2021 | down 40.5% | falling |
| 23 | Kenya | 6.1% | 2021 | down 25.0% | falling |
| 24 | Azerbaijan | 6.1% | 2021 | up 17.3% | falling |
| 25 | Ecuador | 6.0% | 2021 | down 10.5% | flat |
| 26 | El Salvador | 6.0% | 2021 | down 3.3% | falling |
| 27 | Belize | 5.9% | 2020 | up 17.2% | falling |
| 28 | Guatemala | 5.8% | 2021 | down 20.1% | falling |
| 29 | Mexico | 5.7% | 2021 | up 81.3% | falling |
| 30 | Guyana | 5.5% | 2021 | down 7.0% | rising |
| 31 | Democratic Republic of Congo | 5.5% | 2020 | down 45.4% | falling |
| 32 | Kazakhstan | 5.5% | 2021 | up 4.6% | falling |
| 33 | Georgia | 5.4% | 2021 | down 42.3% | falling |
| 34 | Mongolia | 5.4% | 2021 | up 68.2% | falling |
| 35 | Cambodia | 5.3% | 2021 | down 21.6% | falling |
| 36 | Gambia | 5.3% | 2020 | down 18.5% | falling |
| 37 | Costa Rica | 5.2% | 2021 | down 12.0% | falling |
| 38 | Indonesia | 5.1% | 2021 | down 19.2% | flat |
| 39 | Paraguay | 4.9% | 2021 | down 37.4% | falling |
| 40 | Moldova | 4.8% | 2021 | down 27.5% | falling |
| 41 | Barbados | 4.7% | 2021 | up 8.7% | falling |
| 42 | Uruguay | 4.6% | 2021 | down 7.1% | flat |
| 43 | Curacao | 4.6% | 2021 | down 28.4% | flat |
| 44 | Lesotho | 4.5% | 2021 | down 31.3% | flat |
| 45 | Brazil | 4.4% | 2021 | down 12.1% | falling |
| 46 | Uzbekistan | 4.4% | 2021 | up 13.8% | falling |
| 47 | Armenia | 4.4% | 2021 | down 37.5% | falling |
| 48 | Peru | 4.4% | 2021 | down 31.4% | falling |
| 49 | Cape Verde | 4.3% | 2021 | down 10.2% | falling |
| 50 | Namibia | 4.3% | 2021 | down 29.0% | falling |
| 51 | Niger | 4.1% | 2019 | down 36.4% | falling |
| 52 | Gabon | 4.0% | 2019 | down 37.6% | falling |
| 53 | Trinidad and Tobago | 4.0% | 2021 | down 21.0% | falling |
| 54 | Mali | 4.0% | 2020 | down 3.2% | falling |
| 55 | Botswana | 4.0% | 2021 | down 30.5% | falling |
| 56 | Haiti | 4.0% | 2021 | down 37.8% | falling |
| 57 | Egypt | 3.8% | 2021 | up 46.5% | rising |
| 58 | Togo | 3.8% | 2019 | down 18.7% | falling |
| 59 | Seychelles | 3.8% | 2020 | down 26.4% | flat |
| 60 | Bolivia | 3.8% | 2021 | down 25.1% | falling |
| 61 | Montenegro | 3.7% | 2021 | down 21.8% | falling |
| 62 | Jamaica | 3.7% | 2021 | down 68.4% | falling |
| 63 | Bahamas | 3.6% | 2021 | up 4.0% | rising |
| 64 | Ethiopia | 3.6% | 2021 | down 34.2% | rising |
| 65 | Yemen | 3.6% | 2019 | down 27.4% | rising |
| 66 | Nigeria | 3.6% | 2021 | down 69.7% | falling |
| 67 | Sri Lanka | 3.6% | 2021 | down 27.5% | falling |
| 68 | Philippines | 3.6% | 2021 | down 4.5% | falling |
| 69 | Ukraine | 3.5% | 2021 | down 40.3% | falling |
| 70 | Jordan | 3.4% | 2021 | up 12.5% | rising |
| 71 | Vietnam | 3.3% | 2021 | down 16.3% | rising |
| 72 | Cote d'Ivoire | 3.3% | 2021 | down 20.8% | falling |
| 73 | Turkey | 3.3% | 2021 | down 10.9% | falling |
| 74 | Saint Lucia | 3.3% | 2018 | down 20.2% | falling |
| 75 | Bosnia and Herzegovina | 3.3% | 2021 | down 31.3% | falling |
| 76 | Pakistan | 3.3% | 2021 | down 0.5% | rising |
| 77 | Nepal | 3.2% | 2021 | down 27.9% | flat |
| 78 | India | 3.2% | 2021 | down 5.0% | falling |
| 79 | Panama | 3.2% | 2021 | down 8.0% | falling |
| 80 | Benin | 3.1% | 2019 | down 26.2% | falling |
| 81 | Cameroon | 3.1% | 2020 | down 40.1% | falling |
| 82 | Belarus | 3.1% | 2021 | down 44.9% | falling |
| 83 | South Africa | 3.1% | 2021 | up 10.5% | falling |
| 84 | Romania | 3.0% | 2021 | down 34.4% | falling |
| 85 | Serbia | 3.0% | 2021 | down 44.4% | falling |
| 86 | Albania | 3.0% | 2021 | down 32.9% | falling |
| 87 | Fiji | 3.0% | 2021 | down 4.3% | flat |
| 88 | Algeria | 3.0% | 2020 | up 30.5% | rising |
| 89 | Chile | 2.9% | 2021 | down 32.0% | falling |
| 90 | Colombia | 2.9% | 2021 | down 54.8% | rising |
| 91 | Cayman Islands | 2.9% | 2012 | up 132.4% | rising |
| 92 | Tunisia | 2.8% | 2021 | down 0.3% | falling |
| 93 | United States | 2.8% | 2021 | down 23.9% | falling |
| 94 | Saudi Arabia | 2.7% | 2021 | down 5.2% | falling |
| 95 | Suriname | 2.6% | 2019 | down 47.3% | falling |
| 96 | Iceland | 2.6% | 2021 | down 55.6% | falling |
| 97 | Bhutan | 2.6% | 2021 | down 58.8% | falling |
| 98 | Mauritania | 2.6% | 2020 | down 38.8% | falling |
| 99 | Burkina Faso | 2.6% | 2020 | down 34.1% | falling |
| 100 | Bulgaria | 2.6% | 2021 | down 37.6% | falling |
| 101 | Croatia | 2.6% | 2021 | down 30.7% | falling |
| 102 | Thailand | 2.5% | 2021 | down 14.0% | rising |
| 103 | Israel | 2.5% | 2021 | down 1.6% | flat |
| 104 | Oman | 2.5% | 2021 | down 27.7% | falling |
| 105 | Venezuela | 2.4% | 2021 | down 74.1% | volatile |
| 106 | Qatar | 2.4% | 2021 | down 27.0% | falling |
| 107 | Estonia | 2.4% | 2021 | up 2.5% | falling |
| 108 | Djibouti | 2.3% | 2019 | down 36.7% | falling |
| 109 | Poland | 2.3% | 2021 | down 24.7% | falling |
| 110 | Morocco | 2.2% | 2021 | down 25.9% | falling |
| 111 | China | 2.2% | 2021 | down 31.9% | flat |
| 112 | Cyprus | 2.2% | 2021 | down 29.1% | flat |
| 113 | Bahrain | 2.1% | 2021 | up 0.0% | rising |
| 114 | Bermuda | 2.1% | 2021 | down 7.8% | rising |
| 115 | New Zealand | 2.1% | 2021 | up 8.5% | flat |
| 116 | Kuwait | 2.1% | 2021 | down 31.2% | falling |
| 117 | Greece | 2.1% | 2021 | down 9.9% | falling |
| 118 | Hungary | 2.1% | 2021 | down 40.4% | falling |
| 119 | North Macedonia | 2.0% | 2021 | down 52.5% | falling |
| 120 | United Arab Emirates | 2.0% | 2021 | down 37.5% | falling |
| 121 | Mauritius | 2.0% | 2021 | down 35.4% | falling |
| 122 | San Marino | 2.0% | 2017 | down 2.4% | falling |
| 123 | Malaysia | 2.0% | 2021 | down 60.4% | falling |
| 124 | Bangladesh | 1.9% | 2021 | down 54.2% | falling |
| 125 | Czechia | 1.9% | 2021 | down 36.1% | falling |
| 127 | United Kingdom | 1.8% | 2021 | up 11.5% | rising |
| 128 | Cuba | 1.8% | 2020 | up 93.8% | falling |
| 129 | Norway | 1.8% | 2021 | up 19.4% | falling |
| 130 | Latvia | 1.8% | 2021 | down 14.3% | falling |
| 131 | Turkmenistan | 1.7% | 2019 | — | rising |
| 132 | Afghanistan | 1.7% | 2021 | down 73.3% | falling |
| 133 | Slovenia | 1.7% | 2021 | down 23.9% | falling |
| 134 | Sudan | 1.7% | 2012 | down 64.0% | volatile |
| 135 | Slovakia | 1.7% | 2021 | down 62.1% | falling |
| 136 | Australia | 1.7% | 2021 | down 20.0% | falling |
| 137 | Senegal | 1.6% | 2020 | down 70.3% | falling |
| 138 | South Korea | 1.6% | 2021 | down 40.1% | falling |
| 139 | Canada | 1.6% | 2021 | down 51.0% | falling |
| 140 | Lithuania | 1.5% | 2021 | down 22.3% | falling |
| 141 | Syria | 1.5% | 2021 | down 44.9% | falling |
| 143 | Macao | 1.3% | 2021 | down 0.5% | falling |
| 144 | Portugal | 1.2% | 2021 | down 8.6% | falling |
| 145 | Singapore | 1.2% | 2021 | down 24.8% | falling |
| 146 | Libya | 1.2% | 2020 | down 25.7% | volatile |
| 147 | Sweden | 1.1% | 2021 | down 24.1% | falling |
| 148 | Belgium | 1.1% | 2021 | down 20.9% | falling |
| 149 | Hong Kong | 1.1% | 2021 | down 51.7% | falling |
| 150 | Austria | 1.1% | 2021 | down 24.5% | falling |
| 151 | Myanmar | 1.1% | 2021 | down 73.3% | volatile |
| 152 | Italy | 1.1% | 2021 | down 25.2% | falling |
| 153 | Netherlands | 1.1% | 2021 | up 2.5% | rising |
| 154 | Germany | 1.0% | 2021 | up 20.1% | falling |
| 155 | Andorra | 0.9% | 2020 | down 6.1% | falling |
| 156 | Spain | 0.9% | 2021 | down 43.7% | falling |
| 158 | Denmark | 0.9% | 2021 | down 23.0% | falling |
| 159 | Finland | 0.8% | 2021 | up 40.6% | falling |
| 160 | Switzerland | 0.8% | 2021 | up 26.5% | falling |
| 161 | Laos | 0.8% | 2021 | down 84.8% | falling |
| 162 | Japan | 0.5% | 2021 | down 51.9% | falling |
| 163 | France | 0.5% | 2021 | down 46.3% | falling |
| 164 | Russia | 0.5% | 2021 | down 87.5% | falling |
| 165 | Iraq | 0.2% | 2021 | down 95.9% | volatile |
About this data
Raw data are from Bankscope. Data2080[t] / ((data2010[t] + data2010[t-1])/2). Numerator and denominator are aggregated on the country level before division. Note that banks used in the calculation might differ between indicators. Calculated from underlying bank-by-bank unconsolidated data from Bankscope.