Bank net interest margin in Poland
Poland: Bank net interest margin was 2.3% in 2021. ▼ Falling
Bank net interest margin in Poland, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
Poland recorded 2.3% for bank net interest margin in 2021. That is the lowest value across all 22 years on record.
Compared with earlier readings it is down 12.1% on the previous year and down 24.7% over ten years.
Over the whole period, bank net interest margin in Poland peaked at 5.6% in 2004 and was at its lowest, 2.3%, in 2021.
Poland ranks 109th of 166 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 22 years of available data.
Bank net interest margin in Poland, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 4.4% | — |
| 2001 | 2.6% | -40.7% |
| 2002 | 3.8% | +48.0% |
| 2003 | 3.7% | -4.9% |
| 2004 | 5.6% | +52.4% |
| 2005 | 4.3% | -22.8% |
| 2006 | 4.4% | +1.2% |
| 2007 | 3.7% | -16.2% |
| 2008 | 3.3% | -10.2% |
| 2009 | 3.1% | -5.6% |
| 2010 | 3.2% | +4.9% |
| 2011 | 3.1% | -5.3% |
| 2012 | 3.5% | +12.4% |
| 2013 | 3.0% | -13.5% |
| 2014 | 2.6% | -13.3% |
| 2015 | 2.4% | -6.7% |
| 2016 | 2.6% | +8.0% |
| 2017 | 3.1% | +19.4% |
| 2018 | 2.8% | -11.2% |
| 2019 | 2.9% | +5.9% |
| 2020 | 2.6% | -10.3% |
| 2021 | 2.3% | -12.1% |
Poland compared with similar countries
- Poland's 2.3% is above the median for high income countries, which is 1.9%, 1.2× the median. (62 countries reporting)
- Poland's 2.3% is above the median for Europe & Central Asia, which is 2.0%, 1.2× the median. (50 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.9% | 2.6% | 5.6% | 10 |
| 2010s | 2.9% | 2.4% | 3.5% | 10 |
| 2020s | 2.5% | 2.3% | 2.6% | 2 |
Countries ranked near Poland
More financial sector data for Poland
- Reserve position in the IMF, US dollar, annual growth rate 11.07 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 40.94 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 5.77 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 29.9 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 11.07 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 40.94 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 5.77 % change on previous year (2025)
Frequently asked questions
- What is bank net interest margin in Poland?
- Bank net interest margin in Poland was 2.3% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in Poland?
- The highest recorded value was 5.6% in 2004.
- What is the lowest bank net interest margin recorded in Poland?
- The lowest recorded value was 2.3% in 2021.
- How does Poland rank for bank net interest margin?
- Poland ranks 109th out of 166 countries with data for 2021.
- Is bank net interest margin rising or falling in Poland?
- Over the last ten years it is down 24.7%. The long-run trend across the full record is falling.
- Where does this Poland 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
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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.