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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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Appendix A: Data Details

12 Sep 2014 RDP 2014-06
Ryan Fox and Peter Tulip
equals Real interest rate (r). 3.3. Council rates. 0.3. plus repairs. ... Earlier data are difficult to interpret but do not clearly point to a change in expected margins.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html

Estimates

12 Sep 2014 RDP 2014-06
Ryan Fox and Peter Tulip
Estimate. Post-1955 expectations. Ten-year average expectations. Real interest rate (r). 3.3. ... The net result is to make home ownership slightly more attractive, relative to renting.
https://www.rba.gov.au/publications/rdp/2014/2014-06/estimates.html