Bank net interest margin in Ghana
Ghana: Bank net interest margin was 9.4% in 2021. ▼ Falling
Bank net interest margin in Ghana, 2006–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
In 2021, bank net interest margin in Ghana stood at 9.4%.
Compared with earlier readings it is down 4.0% on the previous year and up 1.2% over ten years.
Over the whole period, bank net interest margin in Ghana peaked at 13.1% in 2006 and was at its lowest, 9.1%, in 2009.
Ghana ranks 10th of 165 countries on this measure, in the top 10%.
The long-run direction has been consistently falling across the 16 years of available data.
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 10.9% | 9.1% | 13.1% | 4 |
| 2010s | 10.6% | 9.2% | 12.3% | 10 |
| 2020s | 9.5% | 9.4% | 9.7% | 2 |
Countries ranked near Ghana
More financial sector data for Ghana
- Domestic credit to private sector by banks 8.2% (2024)
- Total reserves in months of imports 1.64 (2024)
- Net domestic credit 269.34 billion current LCU (2024)
- Net foreign assets 60.01 billion current LCU (2024)
- Monetary Sector credit to private sector 8.9% (2024)
- Broad money 29.9% (2024)
- Claims on central government, etc. 12.8% (2024)
- Domestic credit to private sector 8.9% (2024)
- Official exchange rate 12.56 LCU per US$, period average (2025)
- Net migration -17,079 (2025)
Frequently asked questions
- What is bank net interest margin in Ghana?
- Bank net interest margin in Ghana was 9.4% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in Ghana?
- The highest recorded value was 13.1% in 2006.
- What is the lowest bank net interest margin recorded in Ghana?
- The lowest recorded value was 9.1% in 2009.
- How does Ghana rank for bank net interest margin?
- Ghana ranks 10th out of 165 countries with data for 2021.
- Is bank net interest margin rising or falling in Ghana?
- Over the last ten years it is up 1.2%. The long-run trend across the full record is falling.
- Where does this Ghana 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 — 16 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.