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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Banking Indicators | Chart Pack
6 Sep 2023
Chart Pack
A set of graphs on Banking Indicators from the Chart Pack
https://www.rba.gov.au/chart-pack/banking-indicators.html
Data Availability
25 Mar 2024
Chart Pack
Data availability for graphs included in the Bank's monthly ‘Chart Pack’
https://www.rba.gov.au/chart-pack/data-availability.html
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Our analysis confirms the empirical regularity that declining interest rates reduce banks’ net interest margins. ... Importantly, the effect of lower interest rates on net interest margins is larger than the effect on asset returns, suggesting that
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
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5 April 2022 | Minutes of the Monetary Policy Meeting of the Board
19 Apr 2022
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 5 April 2022
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2022/2022-04-05.html
3 October 2023 | Minutes of the Monetary Policy Meeting of the Board
17 Oct 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 3 October 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-10-03.html
7 November 2023 | Minutes of the Monetary Policy Meeting of the Board
21 Nov 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 7 November 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-11-07.html
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
Banks' net interest margins (NIMs) – the difference between their interest income and interest expenses (as a share of assets) – will fall with interest rates if spreads remain constant. ... When combined with the interest rates on their
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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Results
11 Sep 2015
RDP
2015-01
An increase in interest rates leads to an increase in debt-servicing costs for indebted households, lowering their financial margins. ... Therefore, interest rate rises tend to increase the share of households with negative financial margins, and thus
https://www.rba.gov.au/publications/rdp/2015/2015-01/results.html
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1 August 2023 | Minutes of the Monetary Policy Meeting of the Board
15 Aug 2023
Minutes
Minutes of the monetary policy meeting of the Reserve Bank Board for 1 August 2023
https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-08-01.html
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
Banks' net interest margins (net interest income as a share of assets) equal their average lending rates ( r. ... D. ,. t. ]. L. t. ⎵. Net interest margin. }. where. τ.
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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