Search: Net interest margin
RBA Glossary definition for Net interest margin
Net interest margin – A measure of the difference between a bank�s interest earnings and interest expenses, expressed as a proportion of their interest-earning assets.
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Box D: Non-bank Lending for Property
12 Apr 2019
FSR
– April 2019
They finance their lending by securitising loans or with funding from private investors, such as high net worth individuals and institutional investors. ... Non-bank lenders, which were not required to meet APRA's benchmarks, often do not apply this
https://www.rba.gov.au/publications/fsr/2019/apr/box-d.html
Financial Intermediaries
10 Mar 2006
FSR
– March 2006
Growth in net interest income continues to be considerably slower than that in assets, reflecting the ongoing decline in net interest margins. ... Over 2005, net interest income of the five largest banks increased by 6 per cent, with the ratio of net
https://www.rba.gov.au/publications/fsr/2006/mar/fin-intermed.html
Overview
20 Oct 2016
FSR
– October 2016
Low or negative interest rates continue to squeeze banks' net interest margins in Japan and elsewhere, and credit losses in the energy and related sectors have weighed on bank profits in ... More generally, the ongoing low interest rate environment is
https://www.rba.gov.au/publications/fsr/2016/oct/overview.html
The Global Financial Environment
10 Mar 2015
FSR
– March 2015
For some banks, net interest margins are compressed in the low interest rate environment and further regulatory fines and litigation costs for past misconduct are anticipated. ... For some banks, flatter yield curves associated with very low interest
https://www.rba.gov.au/publications/fsr/2015/mar/global-fin-env.html
The Australian Financial System
12 Apr 2019
FSR
– April 2019
More recently, a narrower net interest margin (NIM) due to pricing competition and higher funding costs has reduced interest income growth. ... Net interest income growth is expected to be below average as credit growth slows further and NIMs remain
https://www.rba.gov.au/publications/fsr/2019/apr/australian-financial-system.html
The Australian Financial System
20 Oct 2015
FSR
– October 2015
a borrower's capacity to make principal and interest payments over the residual term (i.e. ... Net interest income was little changed despite solid asset growth, as the net interest margin narrowed due to strong competition in lending markets.
https://www.rba.gov.au/publications/fsr/2015/oct/aus-fin-sys.html
The Global Financial Environment
4 Oct 2019
FSR
– October 2019
net interest margins, if banks are less able to lower their deposit costs in line with lower asset yields. ... These factors have reduced domestic asset yields, with Japanese banks' net interest margins having consistently declined in recent years.
https://www.rba.gov.au/publications/fsr/2019/oct/global-financial-environment.html
The Australian Financial System
10 Mar 2012
FSR
– March 2012
The growth in net interest income reflected a slightly wider average net interest margin over the year, combined with modest growth in interest-earning assets (Graph 2.3). ... More recently, the banks' net interest margins have come under pressure from a
https://www.rba.gov.au/publications/fsr/2012/mar/aus-fin-sys.html
The Australian Financial System
4 Oct 2019
FSR
– October 2019
Interest income growth has been limited amid slowing housing credit and a persistent narrowing in the net interest margin (NIM). ... The NIM has been declining because of pricing competition for housing loans and switching from (higher-margin)
https://www.rba.gov.au/publications/fsr/2019/oct/australian-financial-system.html
List of graphs
10 Sep 2014
FSR
– September 2014
Graph 2.15 Banks' Net Interest Margin. ... Graph B4 Cost and Net Interest Income Ratios.
https://www.rba.gov.au/publications/fsr/2014/sep/graphs.html