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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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Bagehot and the Lender of Last Resort – 150 Years On

14 Dec 2023 Speech
Brad Jones
Speech delivered by Brad Jones, Assistant Governor (Financial System), 36th Australasian Finance & Banking Conference, University of New South Wales, Sydney
https://www.rba.gov.au/speeches/2023/sp-ag-2023-12-14.html

The Changing Role of the Private Sector in China | Conference – 2016

18 Mar 2016 Conferences
Nicholas Lardy
This is confirmed by a common metric of creditworthiness, the interest coverage ratio, which is simply the ratio of a firm's earnings before interest and taxes to its interest expense. ... the interest payments due on these prior loans) and to finance
https://www.rba.gov.au/publications/confs/2016/lardy.html

Competition in the Deposit Market

19 May 2010 Speech
Malcolm Edey
Speech by Malcolm Edey to the Australian Retail Deposits Conference 2010, Sydney
https://www.rba.gov.au/speeches/2010/sp-ag-190510.html

How Will Ageing Affect the Structure of Financial Markets? | Conference – 2006

23 Jul 2006 Conferences
E Philip Davis
Concentration (commercial bank assets. share of. top 3). Net interest margin. ... Concentration (commercial bank assets, share of. top 3). Net interest margin.
https://www.rba.gov.au/publications/confs/2006/davis.html

The Australian Financial System in the 1990s | Conference – 2000

21 Jun 1990 Conferences
Marianne Gizycki and Philip Lowe
14.67. 15.27. Ratio of net interest income to assets. 3.00. 2.97. ... Leverage. 1.37. 0.62. Ratio of net interest income to assets. 0.47.
https://www.rba.gov.au/publications/confs/2000/gizycki-lowe.html

Risk and the Transformation of the Australian Financial System | Conference – 2007

20 Aug 2007 Conferences
Chris Ryan and Chris Thompson
This, combined with some contraction in the margins on deposits in the past few years, has resulted in these banks' net interest margins falling from around 4 per cent to around ... This has, however, been more than offset by the rapid growth of lending,
https://www.rba.gov.au/publications/confs/2007/ryan-thompson.html

Firms' Price-setting Behaviour: Insights from Earnings Calls

11 Sep 2023 RDP 2023-06
Callan Windsor and Max Zang
For example, executives of commercial banks often provide updates and forecasts for net interest margins over the year ahead. ... y. t. l. e. t. where y. t. is the measure of interest.
https://www.rba.gov.au/publications/rdp/2023/2023-06/full.html
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The Model

22 Nov 2016 RDP 2016-07
James Hansen and Angus Moore
These assets have low yields, and thus posting margin carries an opportunity cost. ... That is, expenditure on consumption, purchases of OTC derivatives, margin requirements and the CCP default fund contribution must be less than or equal to the (net)
https://www.rba.gov.au/publications/rdp/2016/2016-07/model.html
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Housing in the Endemic Phase

25 May 2022 Speech
Luci Ellis
Speech delivered by Luci Ellis, Assistant Governor (Economic), to the UDIA 2022 National Congress, Sydney
https://www.rba.gov.au/speeches/2022/sp-ag-2022-05-25.html

Interest Rates and the Property Market

19 Sep 2022 Speech
Jonathan Kearns
Speech delivered by Jonathan Kearns, Head of Domestic Markets, to AFR Property Summit 2022, Sydney
https://www.rba.gov.au/speeches/2022/sp-so-2022-09-19.html