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
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.
Annualized Net Interest Margin adjusted by Loan Loss Provisions / Average Earnings Assets.
Throughout this presentation references to NII, Total Revenue, Net Interest Margin and PPNR are presented on a fully taxable equivalent basis unless otherwise noted.
The three performance measurements of the Company (and the weight given to each measurement) applicable to each award level are as follows: (i) Return on Average Assets (50%), (ii) Net Interest Margin (25%) and (iii) Efficiency Ratio (25%).
There will always be a mis-match between maturing assets and maturing liabilities, and changes in interest rates means that the Net Interest Margin (NIM) is affected on a daily basis by maturing and re-pricing activities.
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, 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 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 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 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, as of any date of determination, the percentage obtained by dividing (i) Net Interest Income during the Measurement Period then ended, by (ii) Borrower’s average monthly aggregate net investment in Borrower Leases during the Measurement Period then ended, in each case as determined in accordance with GAAP; (b) “Measurement Period” shall mean (i) in the case of the March 31, 2010 determination date, the six month period then ended, (ii) in the case of the June 30, 2010 determination date, the nine month period then ended, and (iii) in the case of each subsequent determination date, the twelve month period then ended; and (c) “Net Interest Income” shall mean, for any Measurement Period, the remainder of (i) the aggregate amount of Borrower’s gross interest income from Borrower Leases during the Measurement Period then ended, minus (ii) Borrower’s aggregate gross interest expense during the Measurement Period then ended; provided, that, Net Interest Income for the Measurement Periods ending on March 31, 2010 and June 30, 2010 shall be calculated on an annualized basis by multiplying the Net Interest Income for the applicable Measurement Period by 2 (in the case of the Measurement Period ending on March 31, 2010) or 1.333 (in the case of the Measurement Period ending on June 30, 2010).