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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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Glossary

22 Jan 2024
A glossary of terms used on the RBA website
https://www.rba.gov.au/glossary/

Low Interest Rates and Bank Profitability – The International Experience So Far

17 Jun 2021 Bulletin – June 2021
Mark Hack and Sam Nicholls
This article discusses the effect that low interest rates may have on bank profits, and reviews the experience of banks in economies that have had very low interest rates for an extended period.
https://www.rba.gov.au/publications/bulletin/2021/jun/low-interest-rates-and-bank-profitability-the-international-experience-so-far.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

The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

8 Jun 2023 RDP PDF 1310KB
Our analysis confirms the empirical. regularity that declining interest rates reduce banks’ net interest margins. ... Keywords: interest rates, bank profitability, net interest margin, monetary policy. Table of Contents.
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf

Non-technical summary for 'The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country…

16 Jun 2023 RDP PDF 188KB
RDP 2023-05 non-technical summary
https://www.rba.gov.au/publications/rdp/2023/2023-05/rdp-2023-05-non-technical-summary.pdf

Bulletin

18 Apr 2024 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/

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

The Australian Economy and Financial Markets

14 Mar 2024 Chart Pack PDF 5787KB
The Australian Economy and Financial Markets - March 2024
https://www.rba.gov.au/chart-pack/pdf/chart-pack.pdf

Banks’ Funding Costs and Lending Rates

29 Mar 2012 Bulletin PDF 288KB
Reserve Bank of Australia Bulletin March Quarter 2012
https://www.rba.gov.au/publications/bulletin/2012/mar/pdf/bu-0312-5.pdf