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the claim

Negative interest rates hurt bank profits.

the verdict
INSUFFICIENT LEANING
Recorded sources
4 sources for · 0 against

Counts group repeated records of the same source within each side. They do not measure evidence strength or source independence.

Is it true that negative interest rates hurt bank profits?

Unclear. Several sources partially support the claim: one paper reports that prolonged low interest rates negatively affect bank profitability, another finds that Japan's negative rate policy lowered returns on bank assets and suppressed lending, and a third states that negative rate policies make banks suffer additional profit losses. None of these settles the general claim that negative interest rates hurt bank profits across the board.

Verdict: PARTIAL LEAN · 4 sources for, 0 against · Last checked

The private library was unavailable for some searches in this check. Missing library results are not evidence against the claim.

Evidence for · 4
On the negatives of negative interest rates
2023
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Aleksander, B. (2023). On the negatives of negative interest rates. federalreserve.gov. https://www.federalreserve.gov/econres/feds/files/2023064pap.pdf

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More for · 3
The Low Return Channel of Negative Interest Rates in Bank Lending
2026
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Takahashi, K. & Nakashima, K. (2026). The Low Return Channel of Negative Interest Rates in Bank Lending. doi.org. https://doi.org/10.2139/ssrn.7489554

How Low Can Central Banks Go? The Banking Threshold to Negative Interest Rates
2019
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How Low Can Central Banks Go? The Banking Threshold to Negative Interest Rates. (2019). ssrn.com. https://doi.org/10.2139/ssrn.3160982

Are banks really making less profit when interest rates are low?
Get citation
Are banks really making less profit when interest rates are low?. (n.d.). money.stackexchange.com. https://money.stackexchange.com/questions/75336

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held for human review17 Oct 2026
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