Bank net interest margin (%) in Zambia
Zambia: Bank net interest margin (%) was 9.4% in 2021. ▬ Flat
Bank net interest margin in Zambia, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD). Measured in %.
Analysis
In 2021, bank net interest margin in Zambia stood at 9.4%.
That represents a change of up 42.2% on the previous year and up 10.9% over ten years.
Over the whole period, bank net interest margin in Zambia peaked at 12.1% in 2001 and was at its lowest, 5.7%, in 2018.
That places Zambia 9th out of 166 countries with data for 2021, putting it in the top 10%.
Bank net interest margin (%) in Zambia, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 6.7% | — |
| 2001 | 12.1% | +80.0% |
| 2002 | 8.1% | -33.0% |
| 2003 | 5.8% | -28.1% |
| 2004 | 8.2% | +41.8% |
| 2005 | 12.0% | +45.9% |
| 2006 | 7.0% | -41.8% |
| 2007 | 8.6% | +22.9% |
| 2008 | 9.9% | +14.8% |
| 2009 | 10.8% | +9.1% |
| 2010 | 9.9% | -8.5% |
| 2011 | 8.5% | -13.8% |
| 2012 | 8.8% | +3.3% |
| 2013 | 8.8% | -0.1% |
| 2014 | 8.4% | -4.4% |
| 2015 | 7.0% | -16.9% |
| 2016 | 9.6% | +38.1% |
| 2017 | 12.0% | +25.1% |
| 2018 | 5.7% | -52.5% |
| 2019 | 8.4% | +46.9% |
| 2020 | 6.6% | -21.2% |
| 2021 | 9.4% | +42.2% |
Zambia compared with similar countries
- Zambia's 9.4% is above the median for lower middle income countries, which is 3.8%, 2.5× the median. (38 countries reporting)
- Zambia's 9.4% is above the median for Sub-Saharan Africa, which is 4.4%, 2.1× the median. (38 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 8.9% | 5.8% | 12.1% | 10 |
| 2010s | 8.7% | 5.7% | 12.0% | 10 |
| 2020s | 8.0% | 6.6% | 9.4% | 2 |
Countries ranked near Zambia
More financial sector data for Zambia
- 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 0.0011 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 0.0008 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 0.0011 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 Zambia?
- Bank net interest margin in Zambia was 9.4% in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank net interest margin recorded in Zambia?
- The highest recorded value was 12.1% in 2001.
- What is the lowest bank net interest margin recorded in Zambia?
- The lowest recorded value was 5.7% in 2018.
- How does Zambia rank for bank net interest margin?
- Zambia ranks 9th out of 166 countries with data for 2021.
- Is bank net interest margin rising or falling in Zambia?
- Over the last ten years it is up 10.9%. The long-run trend across the full record is flat.
- Where does this Zambia 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.