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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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Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016 | Bank Fees and Margins | Submissions

22 Sep 2016 Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/

Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017

16 Mar 2017 Conferences
Claudio Borio and Boris Hofmann
Genay and Podjasek (2014) also find that persistently low interest rates depress US banks' net interest margins. ... Importantly, it also holds when financial crises are controlled for. And it operates through the effect of lower rates on net interest
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html

Competition: Profitability and Margins | Conference – 1991

21 Jun 1991 Conferences
Les Phelps
The net interest margin suffered badly in 1989 due to non-receipt of LDC interest. ... The use of ratios of operating costs and net interest income to average assets as measures of efficiency and margins is useful for comparing one six months with another
https://www.rba.gov.au/publications/confs/1991/phelps.html

Notes to and Forming Part of the Financial Statements

19 Oct 2023 RBA Annual Report – October 2023
2.8. Net interest margin. (0.7). Analysis for the year ended 30 June 2022. ... Interest income. 595,103. 8,869. 1.5. Interest expense. 495,535. 411. 0.1. Net interest margin.
https://www.rba.gov.au/publications/annual-reports/rba/2023/financial-statements/notes.html

Notes to and Forming Part of the Financials Statements

27 Oct 2022 RBA Annual Report – October 2022
Cash collateral received. 386. 1. 0.2. 495,535. 411. 0.1. Net interest margin. ... 4,432. 1.3. Interest expense. 224,991. 147. 0.1. Net interest margin. 1.3.
https://www.rba.gov.au/publications/annual-reports/rba/2022/financial-statements/notes.html

Interest Margins and Spreads | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial…

30 Nov 2010 Submissions
Overall, since mid 2007, the regional banks' net interest margins have fallen by between 20–45 basis points (Graph 27). ... Increased loan impairments have reduced net interest margins through the loss of interest on non-accrual items.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/interest-margins.html

What are Interest Margins? | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions

1 Aug 1994 Submissions
Because of the existence of these liabilities, the interest spread will usually be smaller than the net interest margin. ... The data required to calculate net interest margins are more widely available and the international comparisons in this paper are
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.html

3.4 Earnings, Distribution and Capital

19 Oct 2023 RBA Annual Report – October 2023
Earnings, Distribution and Capital | Reserve Bank of Australia Annual Report – October 2023
https://www.rba.gov.au/publications/annual-reports/rba/2023/earnings-distribution-and-capital.html

2.2 Operations in Financial Markets

19 Oct 2023 RBA Annual Report – October 2023
Operations in Financial Markets | Reserve Bank of Australia Annual Report – October 2023
https://www.rba.gov.au/publications/annual-reports/rba/2023/operations-in-financial-markets.html

Financial Intermediation | Reserve Bank of Australia Annual Report - 1994

30 Jun 1994 Annual Report
The net interest margin shows net interest income (interest received minus interest paid) divided by total interest-earning assets. ... The comparison shows that all countries in the sample, except the United States, have had a downward trend in their
https://www.rba.gov.au/publications/annual-reports/rba/1994/fin-intermediation.html