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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Financial Stability Review
15 Nov 2023
FSR
- October 2023
PDF
4631KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/financial-stability-review-2023-10.pdf
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
5.4 Focus Topic: Interest Rate Risk
6 Oct 2023
FSR
– October 2023
5.4 Focus Topic: Interest Rate Risk | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/focus-topic-interest-rate-risk.html
Household and Business Finances in Australia
6 Apr 2023
FSR
– April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/household-business-finances.html
The Australian Financial System
8 Apr 2021
FSR
– April 2021
Net interest income was broadly unchanged over 2020, while costs increased a little relative to income. ... This can squeeze net interest margins (NIMs) because as rates fall, deposits that already receive zero or very low interest rates have not been
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.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
The Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018
12 Apr 2018
Conferences
During the late 1980s and 1990s, increased competition following the deregulation of the financial system caused a large reduction in the major banks' net interest margins (RBA 2014b). ... This occurs because policy rate reductions shrink banks' net
https://www.rba.gov.au/publications/confs/2018/brassil-cheshire-muscatello.html
The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011
24 Jul 2000
Conferences
and was seen by many as putting pressure on bank margins and loan interest rates. ... That effect was particularly noticeable in the 1990s when the margin between the standard variable housing loan interest rate and the RBA target cash rate fell from
https://www.rba.gov.au/publications/confs/2011/davis.html
3. Resilience of the Australian Financial System
9 Oct 2023
FSR
- October 2023
PDF
607KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/03-australian-financial-system.pdf
Regulatory Competition and the “Generic” Financial-Services Firm | Conference – 1991
21 Jun 1991
Conferences
Every financial-services firm (FSF) seeks to earn a return on assets large enough to create a positive net interest spread over its total funding costs. ... Net interest spread is the profit margin that exists between explicit and implicit interest paid
https://www.rba.gov.au/publications/confs/1991/kane.html