Bank net interest margin in Germany
Germany: Bank net interest margin was 1.0% in 2021. ▼ Falling
Bank net interest margin in Germany, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
Germany recorded 1.0% for bank net interest margin in 2021.
The figure is down 5.4% on the previous year and up 20.1% over ten years.
Over the whole period, bank net interest margin in Germany peaked at 1.2% in 2002 and was at its lowest, 0.7%, in 2015.
Germany ranks 155th of 166 countries on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 22 years of available data.
Bank net interest margin in Germany, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 1.2% | — |
| 2001 | 1.1% | -7.3% |
| 2002 | 1.2% | +10.5% |
| 2003 | 1.0% | -17.2% |
| 2004 | 1.0% | +4.7% |
| 2005 | 0.9% | -10.6% |
| 2006 | 1.0% | +12.8% |
| 2007 | 1.0% | -4.7% |
| 2008 | 0.9% | -6.2% |
| 2009 | 1.1% | +20.0% |
| 2010 | 0.9% | -16.0% |
| 2011 | 0.8% | -15.6% |
| 2012 | 0.8% | +0.5% |
| 2013 | 0.9% | +9.1% |
| 2014 | 1.0% | +9.0% |
| 2015 | 0.7% | -29.3% |
| 2016 | 0.8% | +12.9% |
| 2017 | 0.8% | +7.5% |
| 2018 | 0.8% | -8.1% |
| 2019 | 0.9% | +25.3% |
| 2020 | 1.0% | +7.5% |
| 2021 | 1.0% | -5.4% |
Germany compared with similar countries
- Germany's 1.0% is below the median for high income countries, which is 1.9%, 50% of the median. (62 countries reporting)
- Germany's 1.0% is below the median for Europe & Central Asia, which is 2.0%, 48% of the median. (50 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 1.1% | 0.9% | 1.2% | 10 |
| 2010s | 0.8% | 0.7% | 1.0% | 10 |
| 2020s | 1.0% | 1.0% | 1.0% | 2 |
Countries ranked near Germany
More financial sector data for Germany
- Reserve position in the IMF, US dollar, annual growth rate 12.11 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0019 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 115.41 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 6.76 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 84.27 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 12.11 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0019 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 115.41 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 6.76 % change on previous year (2025)
Frequently asked questions
- What is bank net interest margin in Germany?
- Bank net interest margin in Germany was 1.0% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in Germany?
- The highest recorded value was 1.2% in 2002.
- What is the lowest bank net interest margin recorded in Germany?
- The lowest recorded value was 0.7% in 2015.
- How does Germany rank for bank net interest margin?
- Germany ranks 155th out of 166 countries with data for 2021.
- Is bank net interest margin rising or falling in Germany?
- Over the last ten years it is up 20.1%. The long-run trend across the full record is falling.
- Where does this Germany data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank net interest margin (%). Statizoid updates them automatically from the source API.
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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.