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Siam City Bank (BKK:SCIB) Net Interest Margin (Bank Only) % : 3.87% (As of Dec. 2010)


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What is Siam City Bank Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Siam City Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2010 was ฿12,053 Mil. Siam City Bank's average earning assets for the quarter that ended in Dec. 2010 was ฿311,692 Mil. Therefore, Siam City Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2010 was 3.87%.


Siam City Bank Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Siam City Bank's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Siam City Bank Net Interest Margin (Bank Only) % Chart

Siam City Bank Annual Data
Trend Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.41 4.18 4.23 3.81 3.70

Siam City Bank Quarterly Data
Dec09 Mar10 Jun10 Sep10 Dec10
Net Interest Margin (Bank Only) % 3.53 3.97 4.25 4.51 3.87

Competitive Comparison of Siam City Bank's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Siam City Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Siam City Bank's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Siam City Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Siam City Bank's Net Interest Margin (Bank Only) % falls into.



Siam City Bank Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Siam City Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2010 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2010 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2009 ) + Earning Assets (A: Dec. 2010 ))/ count )
=12725.161/( (348713.308 + 338764.346)/ 2 )
=12725.161/343738.827
=3.70 %

where

Earning Assets(A: Dec. 2009 )
=Money Market Investments + Net Loan + Securities & Investments
=43892.356 + 261493.471 + 43327.481
=348713.308

Earning Assets(A: Dec. 2010 )
=Money Market Investments + Net Loan + Securities & Investments
=56382.547 + 259586.108 + 22795.691
=338764.346

Siam City Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2010 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2010 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2010 ) + Earning Assets (Q: Dec. 2010 ))/ count )
=12052.676/( (284619.823 + 338764.346)/ 2 )
=12052.676/311692.0845
=3.87 %

where

Earning Assets(Q: Sep. 2010 )
=Money Market Investments + Net Loan + Securities & Investments
=3153.719 + 254668.963 + 26797.141
=284619.823

Earning Assets(Q: Dec. 2010 )
=Money Market Investments + Net Loan + Securities & Investments
=56382.547 + 259586.108 + 22795.691
=338764.346

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Dec. 2010) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Siam City Bank  (BKK:SCIB) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Siam City Bank Net Interest Margin (Bank Only) % Related Terms

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Siam City Bank (BKK:SCIB) Business Description

Industry
Traded in Other Exchanges
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Address
Siam City Bank Public Company Limited is engaged in providing various banking and financial products and services in Thailand, which offers investment loans, commercial loans, overdrafts, trade finance, cash management, collection and payment, etc.

Siam City Bank (BKK:SCIB) Headlines

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