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Erbil Bank for Investment & Finance (IQS:BERI) Net Interest Margin (Bank Only) % : % (As of . 20)


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What is Erbil Bank for Investment & Finance 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. Erbil Bank for Investment & Finance's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was ع.د Mil. Erbil Bank for Investment & Finance's average earning assets for the quarter that ended in . 20 was ع.د Mil. Therefore, Erbil Bank for Investment & Finance's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Erbil Bank for Investment & Finance Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Erbil Bank for Investment & Finance'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.

Erbil Bank for Investment & Finance Net Interest Margin (Bank Only) % Chart

Erbil Bank for Investment & Finance Annual Data
Trend
Net Interest Margin (Bank Only) %

Erbil Bank for Investment & Finance Semi-Annual Data
Net Interest Margin (Bank Only) %

Competitive Comparison of Erbil Bank for Investment & Finance's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Erbil Bank for Investment & Finance'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.


Erbil Bank for Investment & Finance's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Erbil Bank for Investment & Finance's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Erbil Bank for Investment & Finance's Net Interest Margin (Bank Only) % falls into.



Erbil Bank for Investment & Finance 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).

Erbil Bank for Investment & Finance's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Erbil Bank for Investment & Finance's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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 one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Erbil Bank for Investment & Finance  (IQS:BERI) 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.


Erbil Bank for Investment & Finance Net Interest Margin (Bank Only) % Related Terms

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Erbil Bank for Investment & Finance (IQS:BERI) Business Description

Comparable Companies
Traded in Other Exchanges
N/A
Address
Khanqa Street, opposite the Ministry of Municipalities, P.O. Box 20/384, Erbil, IRQ
Erbil Bank for Investment & Finance is a financial services organization that provides its presence in the banking sector through services offered to customers. The company offers products such as Banking accounts, Erbil bank cards, Internal and foreign remittances, Mobile banking, and credit services.