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RBA Glossary definition for Net interest spread

Net interest spread – A measure of the difference between a bank�s average rate of interest-bearing assets and its average rate of interest-bearing liabilities.

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Box A: Recent Developments in Net Interest Income in the Chinese Banking System

10 Sep 2013 FSR – September 2013
Financial Stability Review – September 2013 Box A: Recent Developments in Net Interest Income in the Chinese Banking System. ... The net interest margin (NIM) provides an indication of the effects of interest rates on banks' profitability.
https://www.rba.gov.au/publications/fsr/2013/sep/box-a.html

Financial Conditions

6 Feb 2024 SMP – February 2024
Financial Conditions | Statement on Monetary Policy – February 2024
https://www.rba.gov.au/publications/smp/2024/feb/financial-conditions.html

Competition: Profitability and Margins | Conference – 1991

21 Jun 1991 Conferences
Les Phelps
$120.00. $4.56. 3.80%. Table 5 Interest Spreads. (per cent). 1986. 1987. ... The interest rate spread had grown to 2.0 per cent in 1988, the ratio of net interest income to average assets to 2.85 per cent, and the ratio of
https://www.rba.gov.au/publications/confs/1991/phelps.html

Semi-Annual Statement on Monetary Policy

10 Nov 1997 Bulletin – November 1997
Graph A3. As well as domestic considerations, the narrowing of the bond spread reflects the international setting: most countries' spreads to the US have narrowed (Table A1). ... There has probably been some effect of the interest of Asian investors,
https://www.rba.gov.au/publications/bulletin/1997/nov/2.html

Banks' Funding Costs and Lending Rates

10 Mar 2012 Bulletin – March 2012
Cameron Deans and Chris Stewart
Lending rates have generally fallen by more than funding costs which, all else being equal, would imply that the major banks' net interest margins have contracted a little. ... However, while lending rates and funding costs are important determinants,
https://www.rba.gov.au/publications/bulletin/2012/mar/5.html

Developments in Banks' Funding Costs and Lending Rates

22 Mar 2013 Bulletin – March 2013
Benn Robertson and Anthony Rush
This article updates previous Reserve Bank research on changes in the composition and cost of banks' funding and the impact of these changes on lending rates (Deans and Stewart 2012). The main findings are that the absolute levels of funding costs
https://www.rba.gov.au/publications/bulletin/2013/mar/7.html

The Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018

12 Apr 2018 Conferences
Anthony Brassil, Jon Cheshire and Joseph Muscatello
Therefore, changes in the cash rate do not have the mechanical effect on net interest spreads that they would if assets and liabilities repriced at different speeds. ... The change in the no-/low-interest spread now contributes a similar amount to the
https://www.rba.gov.au/publications/confs/2018/brassil-cheshire-muscatello.html

BA-MARTIN in Detail

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
The NIM can be equivalently written as the net interest spread ( r. ... The net interest spread equals the weighted average of the unconstrained mortgage and business lending spreads. (.
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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Bank Interest Rate Margins

10 May 1992 Bulletin – May 1992
The most useful measure of banks' margins is the average net spread – i.e. ... Graph 3. The calculation of average net spreads includes non-accrual loans on which no interest is being earned by banks.
https://www.rba.gov.au/publications/bulletin/1992/may/1.html

Data Availability

25 Mar 2024 Chart Pack
Data availability for graphs included in the Bank's monthly ‘Chart Pack’
https://www.rba.gov.au/chart-pack/data-availability.html