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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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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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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Finance and Welfare States in Globalising Markets | Conference – 2007
20 Aug 2007
Conferences
lending-borrowing interest margins and indicators of borrowing limits on housing purchases – that is, maximum loan-to-valuation (LTV) ratios). ... When the interaction between openness and interest margins is included among the regressors in column (4),
https://www.rba.gov.au/publications/confs/2007/bertola.html
Banking Concentration, Financial Stability and Public Policy | Conference – 2007
20 Aug 2007
Conferences
At the same time, however, bank interest margins have been declining (Battellino 2006) and fees charged to retail customers (while increasing in aggregate value due to increased use of banking services) ... Market power may also enable banks to charge
https://www.rba.gov.au/publications/confs/2007/davis.html
The Changing Role of the Private Sector in China | Conference – 2016
18 Mar 2016
Conferences
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
How Will Ageing Affect the Structure of Financial Markets? | Conference – 2006
23 Jul 2006
Conferences
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
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
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
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
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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