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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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Measuring Credit Losses

31 Dec 2015 RDP 2015-06
David Rodgers
It is often also used for lending where a high loss rate is expected and built into the interest margin (credit card lending is one example). ... It is the net impact of credit risk on profitability, so is the most economically relevant measure.
https://www.rba.gov.au/publications/rdp/2015/2015-06/mea-cre-losses.html
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The Australian Framework for Implementing Monetary Policy

1 Jul 1997 RDP 9703
Ric Battellino, John Broadbent and Philip Lowe
In June 1997, the Bank announced its intention to increase this margin to 25 basis points. ... net obligations arising from unsettled cheques. Because the interest rate paid on the float was based on the average cash rate for the week, a change in policy
https://www.rba.gov.au/publications/rdp/1997/9703/australian-framework-implementing-monetary.html
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Historical Background

1 May 2000 RDP 2000-03
Luke Gower
This represented a significant threat to the market share and operating income of the banking sector, which depended heavily on interest income from loans to non-financial corporations. ... By the end of the decade, the banks – whose interests the
https://www.rba.gov.au/publications/rdp/2000/2000-03/historical-background.html
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Introduction

1 Dec 1995 RDP 9511
Steven Morling and Robert Subbaraman
While these initiatives continue to expand superannuation coverage and have increased the flow of household saving into superannuation funds, the net effect on aggregate household saving is not clear. ... They may have less information and less effective
https://www.rba.gov.au/publications/rdp/1995/9511/introduction.html
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Trends in the Financial System

31 May 1999 RDP 1999-05
Christopher Kent and Guy Debelle
As long as the growth in asset prices persisted, lending seemed profitable even at high real rates of interest. ... This has placed downward pressure on housing loan interest rate margins, with the margin between the standard rate paid on mortgages and
https://www.rba.gov.au/publications/rdp/1999/1999-05/trends-in-the-financial-system.html
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Trends in Saving and Investment

1 Aug 1990 RDP 9004
Malcolm Edey and Mark Britten-Jones
Net saving rates are calculated by deducting from income the estimated depreciation of the capital stock. ... Gross Saving. Corporate Investment. Deposits. Assets Abroad. Minus Bank Advances. Minus Other Net Borrowing.
https://www.rba.gov.au/publications/rdp/1990/9004/trends-in-saving-and-investment.html
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Asset Prices and Credit Cycles in Australia

31 Dec 2010 RDP 2010-06
Paul Bloxham, Christopher Kent and Michael Robson
By reducing nominal interest rates, lower inflation worked to ease this constraint by reducing initial repayments. ... Mortgage interest rate margins were compressed significantly, by about 160 basis points over the second half of the 1990s (Figure 4).
https://www.rba.gov.au/publications/rdp/2010/2010-06/asset-prices-credit.html
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The Next 25 Years

1 Dec 2015 RDP 2015-09
Christian Gillitzer and John Simon
For example, targets could be defined in terms of the rate of increase in labour earnings net of productivity gains (unit labour costs). ... Furthermore, such a measure would abstract from the important role that changes in margins play in the inflation
https://www.rba.gov.au/publications/rdp/2015/2015-09/next-years.html

Some Empirical Evidence

1 Nov 1993 RDP 9311
Philip Lowe and Thomas Rohling
The interest rate margin shown in Graph 5 is the difference between these two rates. ... In addition, changes in interest margins are affected by changes in operating costs and fee income.
https://www.rba.gov.au/publications/rdp/1993/9311/some-empirical-evidence.html
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Business Credit and Investment

1 Jul 1992 RDP 9208
Adrian Blundell-Wignall and Marianne Gizycki
As the economy enters a downturn corporate net worth falls, raising agency costs and hence the loan rate relative to the riskless interest rate. ... Such outcomes are theoretically plausible, because loan demand is influenced by the level of interest
https://www.rba.gov.au/publications/rdp/1992/9208/business-credit-and-investment.html
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