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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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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

Emerging Threats to Financial Stability – New Challenges for the Next Decade

31 Oct 2023 Speech PDF 1157KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-ag-2023-10-31.pdf

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

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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Trends in the Funding and Lending Behaviour of Australian Banks

2 Feb 2015 RDP PDF 1090KB
Unlike variable interest rates in a number of other countries, almost all variable-rate housing loans in Australia are set at the lenders’ discretion, rather than as a margin over a ... 40. 0. 10. 20. 30. 40. Long-term Short-term. % %. Note: Excludes
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf

Finance and Welfare States in Globalising Markets

20 Nov 2007 Conferences PDF 169KB
RBA Conference Volume 2007
https://www.rba.gov.au/publications/confs/2007/pdf/bertola.pdf

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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OPTIMAL MONETARY POLICY WITH ENDOGENOUS CAPITAL AND A CREDIT FRICTION

15 Dec 2011 Research Workshop PDF 406KB
Reserve Bank of Australia Workshop 2011
https://www.rba.gov.au/publications/workshops/research/2011/pdf/hansen.pdf

The Extraordinary Decline in Australia's Net Foreign Liabilities

18 Oct 2023 Speech PDF 781KB
Speech - 2023
https://www.rba.gov.au/speeches/2023/pdf/sp-so-2023-10-18.pdf