Search: Net interest spread
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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The Global Financial Environment
7 Oct 2022
FSR
– October 2022
historical averages and corporate bond maturities are spread relatively evenly until around 2026. ... Banks net interest margins have been compressed for several years in some economies (particularly in the euro area and Japan) as lending rates have
https://www.rba.gov.au/publications/fsr/2022/oct/global-financial-environment.html
Box C: Financial Stress and Contagion Risks in the Residential Construction Industry
7 Oct 2022
FSR
– October 2022
spread to other businesses within the broader construction industry and to some households. ... Reflecting the ongoing challenges, the net operating profit margin at the 25th percentile has declined since the middle of 2021.
https://www.rba.gov.au/publications/fsr/2022/oct/box-c-financial-stress-and-contagion-risks-in-the-residential-construction-industry.html
The Australian Financial System
8 Apr 2022
FSR
– April 2022
However, of late, profits have decreased as net interest margins (NIMs) have narrowed (Graph 3.3). ... The effect on capital would be smaller still if such an increase in interest rates was spread over a longer period of time, enabling banks to respond.
https://www.rba.gov.au/publications/fsr/2022/apr/australian-financial-system.html
The Global Financial Environment
8 Apr 2022
FSR
– April 2022
More recently, net interest income has also been supported by considerable lending growth for some banks. ... Graph 1.7. Notwithstanding recent profitability, low interest rates have compressed bank net interest margins (NIMs) for several years in some
https://www.rba.gov.au/publications/fsr/2022/apr/global-financial-environment.html
The Global Financial Environment
8 Oct 2021
FSR
– October 2021
Sustained low interest rates will, however, continue to provide an incentive to borrow for housing. ... Banks' profitability is being constrained by narrowing net interest margins (NIMs) due to the prolonged low interest rate environment.
https://www.rba.gov.au/publications/fsr/2021/oct/global-financial-environment.html
The Australian Financial System
8 Oct 2021
FSR
– October 2021
Pre-provision profitability was supported by increased net interest income, which reflected a widening in banks' net interest margins as funding costs declined to historically low levels. ... A resulting loss of public confidence could lead to
https://www.rba.gov.au/publications/fsr/2021/oct/australian-financial-system.html
Household and Business Finances in Australia
8 Oct 2021
FSR
– October 2021
This share of vulnerable borrowers has declined since the beginning of the pandemic, in part reflecting lower interest rates and ensuing debt repayments. ... Aggregate cash holdings remained considerably higher than before the pandemic, with low interest
https://www.rba.gov.au/publications/fsr/2021/oct/household-business-finances-in-australia.html
Financial Stability Review
9 Apr 2021
FSR
- April 2021
PDF
1740KB
https://www.rba.gov.au/publications/fsr/2021/apr/pdf/financial-stability-review-2021-04.pdf
Household and Business Finances in Australia
9 Apr 2021
FSR
- April 2021
PDF
350KB
https://www.rba.gov.au/publications/fsr/2021/apr/pdf/02-household-business-finances.pdf
The Australian Financial System
8 Apr 2021
FSR
– April 2021
Net interest income was broadly unchanged over 2020, while costs increased a little relative to income. ... This can squeeze net interest margins (NIMs) because as rates fall, deposits that already receive zero or very low interest rates have not been
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html