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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Doing Less, with Less: Capital Misallocation, Investment and the Productivity Slowdown in Australia
22 Mar 2023
RDP
2023-03
It will also make it harder to conduct monetary policy, as it will mean lower potential growth and real neutral interest rates, increasing the likelihood that nominal interest rates hit the ... This low level of non-mining investment occurred despite
https://www.rba.gov.au/publications/rdp/2023/2023-03/full.html
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Doing Less, with Less: Capital Misallocation, Investment and the Productivity Slowdown in Australia
16 Mar 2023
RDP
PDF
1288KB
Jenner 2019). This low level of non-mining investment occurred despite declines in interest rates. ... The net effect on. measured productivity is ambiguous and will change over time.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-03.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
21 Dec 2022
RDP
2022-08
Banks' net interest margins (NIMs) – the difference between their interest income and interest expenses (as a share of assets) – will fall with interest rates if spreads remain constant. ... When combined with the interest rates on their
https://www.rba.gov.au/publications/rdp/2022/2022-08/full.html
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The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
Banks’ net interest margins. (NIMs) – the difference between their interest income and interest expenses (as a share of assets). – ... Figure 7: Major Banks’ Net Interest Margin. Domestic, half-yearly. Sources: ABS; APRA; ASX; Australian
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
13 Dec 2022
RDP
2022-07
It is clear that the TFF reduced banks' funding costs and led to lower interest rates throughout the economy. ... Some papers examined both the extensive (i.e. participation in the TLTRO relative to non-participation) and intensive margin effects (i.e.
https://www.rba.gov.au/publications/rdp/2022/2022-07/full.html
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The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
TLTRO series were effective in increasing loan supply or decreasing interest rates for participating. ... £1 increase in net lending would grant a bank £1 of additional allowance.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
Do Australian Households Borrow to Keep up with the Joneses?
10 Nov 2022
RDP
2022-06
Table B1: Probability of Holding Debt – Extensive Margin. Effects of a 1 standard deviation increase in Gini coefficient. ... 0.00. Financial assets. 0.00. 0.00. Liquid net worth. 0.00. 0.00. No of observations.
https://www.rba.gov.au/publications/rdp/2022/2022-06/full.html
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Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
questions relating to household finances, such as household net worth and debt portfolio, every four. ... 8 I examine the extensive margin by estimating the probability of holding debt across different types of debt.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
Macrofinancial Stress Testing on Australian Banks
20 Sep 2022
RDP
2022-03
Most connections in the model occur within a single period, although asset growth and end-period capital ratios may have implications for funding spreads and net interest income (hence profitability) in ... And growth in total assets positively
https://www.rba.gov.au/publications/rdp/2022/2022-03/full.html
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BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
Banks' net interest margins (net interest income as a share of assets) equal their average lending rates ( r. ... D. ,. t. ]. L. t. ⎵. Net interest margin. }. where. τ.
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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