GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » DBS Group Holdings Ltd (OTCPK:DBSDY) » Definitions » Net Interest Margin (Bank Only) %

DBS Group Holdings (DBS Group Holdings) Net Interest Margin (Bank Only) % : 3.30% (As of Dec. 2023)


View and export this data going back to . Start your Free Trial

What is DBS Group Holdings 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. DBS Group Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $10,312 Mil. DBS Group Holdings's average earning assets for the quarter that ended in Dec. 2023 was $312,411 Mil. Therefore, DBS Group Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 3.30%.


DBS Group Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for DBS Group Holdings'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.

DBS Group Holdings Net Interest Margin (Bank Only) % Chart

DBS Group Holdings Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.75 2.51 2.14 2.67 3.31

DBS Group Holdings Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.17 3.18 3.30 3.33 3.30

Competitive Comparison of DBS Group Holdings's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, DBS Group Holdings'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.


DBS Group Holdings's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



DBS Group Holdings 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).

DBS Group Holdings's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=10240.973/( (306642.255 + 312411.23)/ 2 )
=10240.973/309526.7425
=3.31 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 306642.255 + 0
=306642.255

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 312411.23 + 0
=312411.23

DBS Group Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=10311.54/( (0 + 312411.23)/ 1 )
=10311.54/312411.23
=3.30 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 312411.23 + 0
=312411.23

* 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. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


DBS Group Holdings  (OTCPK:DBSDY) 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.


DBS Group Holdings Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of DBS Group Holdings's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


DBS Group Holdings (DBS Group Holdings) Business Description

Traded in Other Exchanges
Address
12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore, SGP, 018982
DBS Group is a Singapore-based banking group offering a full range of services to consumers, small to midsize enterprises, and corporations and institutions. Its main presence is in Singapore and Greater China. The recent acquisition of Lakshmi Vilas Bank has strengthened DBS' operations in India, and the acquisition of Citibank's Taiwan operation should bring additional growth in Greater China. DBS' wealth management division is one of the largest in Asia, with assets under management of SGD 320 billion as of June 2023.

DBS Group Holdings (DBS Group Holdings) Headlines

From GuruFocus

DBS Bank Named one of the Best Places to Work in Los Angeles!

By PRNewswire PRNewswire 08-20-2021

DBS Group Holdings Ltd's Dividend Analysis

By GuruFocus Research 11-14-2023

Tweedy Browne Funds' 3rd-Quarter Commentary: A Review

By Sydnee Gatewood 11-27-2023

Tweedy, Browne Funds Q1 2013 Commentary

By Holly LaFon Holly LaFon 05-06-2013