Bank net interest margin (%) in Pakistan
Pakistan: Bank net interest margin (%) was 3.3% in 2021. ▲ Rising
Bank net interest margin in Pakistan, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
The most recent figure for bank net interest margin in Pakistan is 3.3%, measured in 2021.
Compared with earlier readings it is down 19.6% on the previous year and down 0.5% over ten years.
Over the whole period, bank net interest margin in Pakistan peaked at 8.1% in 2012 and was at its lowest, 2.9%, in 2000.
Pakistan ranks 76th of 166 countries on this measure, in the middle of the range.
The long-run direction has been consistently rising across the 22 years of available data.
Bank net interest margin (%) in Pakistan, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 2.9% | — |
| 2001 | 3.2% | +13.7% |
| 2002 | 3.2% | -0.2% |
| 2003 | 3.7% | +14.4% |
| 2004 | 3.6% | -1.6% |
| 2005 | 4.1% | +12.3% |
| 2006 | 3.9% | -4.9% |
| 2007 | 3.7% | -6.2% |
| 2008 | 4.2% | +15.5% |
| 2009 | 4.2% | -0.8% |
| 2010 | 3.1% | -25.5% |
| 2011 | 3.3% | +4.9% |
| 2012 | 8.1% | +148.6% |
| 2013 | 3.9% | -52.3% |
| 2014 | 4.5% | +16.5% |
| 2015 | 4.3% | -5.7% |
| 2016 | 3.7% | -12.5% |
| 2017 | 3.2% | -13.6% |
| 2018 | 2.9% | -10.4% |
| 2019 | 3.5% | +22.0% |
| 2020 | 4.0% | +15.1% |
| 2021 | 3.3% | -19.6% |
Pakistan compared with similar countries
- Pakistan's 3.3% is below the median for lower middle income countries, which is 3.8%, 85% of the median. (38 countries reporting)
- Pakistan's 3.3% is above the median for Middle East, North Africa, Afghanistan & Pakistan, which is 2.4%, 1.4× the median. (21 countries reporting)
Biggest year-on-year movements
Years where Bank net interest margin (%) in Pakistan changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2012 | +148.6% | 3.3% | 8.1% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.7% | 2.9% | 4.2% | 10 |
| 2010s | 4.1% | 2.9% | 8.1% | 10 |
| 2020s | 3.7% | 3.3% | 4.0% | 2 |
Countries ranked near Pakistan
More financial sector data for Pakistan
- 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 0.0006 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 0.0005 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 0.0006 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank net interest margin in Pakistan?
- Bank net interest margin in Pakistan was 3.3% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in Pakistan?
- The highest recorded value was 8.1% in 2012.
- What is the lowest bank net interest margin recorded in Pakistan?
- The lowest recorded value was 2.9% in 2000.
- How does Pakistan rank for bank net interest margin?
- Pakistan ranks 76th out of 166 countries with data for 2021.
- Is bank net interest margin rising or falling in Pakistan?
- Over the last ten years it is down 0.5%. The long-run trend across the full record is rising.
- Where does this Pakistan 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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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.