{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"au-bank-net-interest-margin","url":"https://apiardata.com/statistics/au-bank-net-interest-margin","html_url":"https://apiardata.com/statistics/au-bank-net-interest-margin/","title":"Australia Bank Net Interest Margin (2019)","description":"Australia's Bank Net Interest Margin: 3.5 % of interest-earning assets in 2019, +0.2pp YoY. World Bank (GFDD.EI.02), 1987–2019.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","Australia","2019"],"publisher":"World Bank","frequency":"Annual","geography":"Australia","temporal_coverage":"1987/2019","unit":"% of interest-earning assets","last_updated":"2026-07-26","last_updated_text":"26 July 2026","data_as_of":"2019","variable_measured":"Australia Bank Net Interest Margin","license":"https://apiardata.com/data-license","is_accessible_for_free":true,"sources":[{"name":"World Bank","url":"https://data.worldbank.org/indicator/GFDD.EI.02?locations=AU"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"1987–2019"},{"label":"Observations","value":"32"},{"label":"Geography","value":"Australia"},{"label":"Last updated","value":"26 July 2026"}],"kpis":[{"label":"Australia (2019)","value":"3.5","unit":"% of interest-earning assets","trend":{"direction":"up","value":"+0.2pp YoY"}},{"label":"YoY Change","value":"+0.2pp","unit":"percentage points"},{"label":"Trend","value":"up","unit":""},{"label":"Series length","value":"32","unit":"years of data"}],"series":[{"key":"value","label":"Australia Bank Net Interest Margin"}],"observation_count":32,"observations":[{"period":"1987","value":0.2015537},{"period":"1988","value":0.7218926},{"period":"1990","value":0.5270481},{"period":"1991","value":2.364972},{"period":"1992","value":3.459181},{"period":"1993","value":3.652048},{"period":"1994","value":3.3375},{"period":"1995","value":3.351483},{"period":"1996","value":3.048446},{"period":"1997","value":2.118361},{"period":"1998","value":2.346469},{"period":"1999","value":2.507556},{"period":"2000","value":2.809675},{"period":"2001","value":3.104167},{"period":"2002","value":2.6625},{"period":"2003","value":3.104167},{"period":"2004","value":3.2},{"period":"2005","value":3.366667},{"period":"2006","value":3.55},{"period":"2007","value":3.666667},{"period":"2008","value":4.183333},{"period":"2009","value":2.941667},{"period":"2010","value":3.066667},{"period":"2011","value":3.4},{"period":"2012","value":3.058333},{"period":"2013","value":2.929167},{"period":"2014","value":3.045833},{"period":"2015","value":3.270833},{"period":"2016","value":3.279166},{"period":"2017","value":3.237167},{"period":"2018","value":3.281667},{"period":"2019","value":3.542667}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of interest-earning assets"},{"key":"yoyChange","label":"YoY Change"}],"rows":[{"year":"2019","value":"3.54","yoyChange":"+0.26pp"},{"year":"2018","value":"3.28","yoyChange":"+0.04pp"},{"year":"2017","value":"3.24","yoyChange":"-0.04pp"},{"year":"2016","value":"3.28","yoyChange":"+0.01pp"},{"year":"2015","value":"3.27","yoyChange":"+0.23pp"},{"year":"2014","value":"3.05","yoyChange":"+0.12pp"},{"year":"2013","value":"2.93","yoyChange":"-0.13pp"},{"year":"2012","value":"3.06","yoyChange":"-0.34pp"},{"year":"2011","value":"3.40","yoyChange":"+0.33pp"},{"year":"2010","value":"3.07","yoyChange":"+0.13pp"},{"year":"2009","value":"2.94","yoyChange":"-1.24pp"},{"year":"2008","value":"4.18","yoyChange":"+0.52pp"},{"year":"2007","value":"3.67","yoyChange":"+0.12pp"},{"year":"2006","value":"3.55","yoyChange":"+0.18pp"},{"year":"2005","value":"3.37","yoyChange":"+0.17pp"},{"year":"2004","value":"3.20","yoyChange":"+0.10pp"},{"year":"2003","value":"3.10","yoyChange":"+0.44pp"},{"year":"2002","value":"2.66","yoyChange":"-0.44pp"},{"year":"2001","value":"3.10","yoyChange":"+0.29pp"},{"year":"2000","value":"2.81","yoyChange":"+0.30pp"}]},"qa":[{"question":"What does this indicator measure?","answer":"This page tracks the net interest margin (NIM) of the banking sector in Australia from 2000 to present. NIM is the primary measure of bank profitability from core lending activities and reflects the spread between lending and deposit rates. It is published by World Bank and updated annually."},{"question":"How current is this data?","answer":"The most recent observation covers 2019. World Bank typically publishes this series with a lag of several months after the reference period. The series runs 1987–2019 (32 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 4.2 % of interest-earning assets in 2008 and reached its lowest recorded value of 0.2 in 1987. The latest reading of 3.5 in 2019 represents a change of +0.2pp."}]}