Net Interest Margin means the net income or expense associated with the difference between the Commonwealth's interest-sensitive assets and interest- sensitive liabilities;
Net Interest Margin means the difference between the interest income generated and the amount of interest paid out to lenders, relative to the amount of interest-earning assets. Calculated as ((net interest income) / (average interest earning assets)) / (number of days in period) x 365;
Examples of Net Interest Margin in a sentence
Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted.
Net Interest Margin is computed by dividing annualized quarterly net interest income by quarterly average interest-bearing assets.
Since NII or Net Interest Margin (NIM) of Bank is dependent on the movements of interest rates, any mismatches or gaps in the cash-flows on re-pricing dates exposes Bank’s NII or NIM to interest rate risk.
As a non-GAAP financial measure, Net Interest Margin, TE should be considered supplemental to and not a substitute for or superior to, financial measures calculated in accordance with GAAP.
As other companies may use different calculations for Net Interest Margin, TE, this presentation may not be comparable to similarly titled measures reported by other companies.
More Definitions of Net Interest Margin
Net Interest Margin means net interest income, including net income from Islamic Banking business, as a percentage of the average of beginning and year/period end interest-earning assets (comprising cash and short term funds, securities purchased under resale agreements, deposits and placements with banks and other financial institutions, financial assets held-for-trading, financial investments available-for-sale, financial investments held-to- maturity and loans and advances).
Net Interest Margin means the difference of (a) the Mortgage Interest Rate on the Purchased Mortgage Loans net of any servicing fee attributable thereto and (b) the Pricing Rate.
Net Interest Margin means interest income as a percentage of average total interest-earning assets (including loans and bills discounted, securities, deposits with other banks, call loans, bills bought, trading account securities and other interest-earning assets) minus interest expenses as a percentage of average total interest-bearing liabilities (including deposits, negotiable certificates of deposit, call money, bills sold, bonds, borrowed money and other interest-bearing liabilities);
Net Interest Margin means net interest spread after including a factor for the excess of interest-earning assets over interest-bearing liabilities for the three month period ending on the last day of a Quarter. Net interest spread represents the difference between the yield on interest-earning assets and cost of interest-bearing liabilities adjusted for income derived from noninterest-earning assets which are funded by interest-bearing liabilities.
Net Interest Margin means, for any period, Net interest income before impairment charges on loans and receivables for that period divided by the arithmetic average of Total interest- bearing assets at the beginning and end of the period, expressed as a percentage.
Net Interest Margin means net interest income, as a percentage of the average of beginning and year-end interest- earning assets (comprising short-term funds, securities purchased under resale agreements, deposits and placements with banks and other financial institutions, investment account placement, financial assets held-for-trading, financial investments available-for-sale, financial investments held-to-maturity, financial assets at fair value through profit or loss, financial investments at fair value through other comprehensive income and financial investments at amortised cost, loans and advances and Receivables: investment not quoted in active market).
Net Interest Margin means, with respect to any period, (i) the aggregate amount of interest payments made or otherwise received on the Specified Assets (including default interest payable thereunder) minus (ii) the aggregate amount of interest payable on the Loans and any amounts (other than breakage costs and termination payment amounts) payable to an Affiliated Hedge Counterparty under any Interest Rate Protection Agreement, in each case during such period.