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 154th of 165 countries on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 22 years of available data.
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
- Domestic credit to private sector by banks 76.4% (2023)
- Total reserves in months of imports 3.11 (2025)
- Net domestic credit 6.05 trillion current LCU (2023)
- Net foreign assets 2.01 trillion current LCU (2023)
- Monetary Sector credit to private sector 77.3% (2023)
- Claims on central government, etc. 11.8% (2023)
- Domestic credit to private sector 77.3% (2023)
- Official exchange rate 0.885 LCU per US$, period average (2025)
- Net migration -334,072 (2025)
- GDP deflator: linked series 123.84 base year varies by country (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 154th out of 165 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.
Download this data
CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.