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Banque Internationale Arabe de Tunisie (LSE:BIND) Net Interest Margin (Bank Only) % : 6.35% (As of Dec. 2023)


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What is Banque Internationale Arabe de Tunisie 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. Banque Internationale Arabe de Tunisie's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $308.1 Mil. Banque Internationale Arabe de Tunisie's average earning assets for the quarter that ended in Dec. 2023 was $4,849.1 Mil. Therefore, Banque Internationale Arabe de Tunisie's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 6.35%.


Banque Internationale Arabe de Tunisie Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Banque Internationale Arabe de Tunisie'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.

Banque Internationale Arabe de Tunisie Net Interest Margin (Bank Only) % Chart

Banque Internationale Arabe de Tunisie 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 6.21 5.59 5.52 5.95 6.35

Banque Internationale Arabe de Tunisie Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.21 5.59 5.52 5.95 6.35

Competitive Comparison of Banque Internationale Arabe de Tunisie's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie'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.


Banque Internationale Arabe de Tunisie's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Banque Internationale Arabe de Tunisie's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Banque Internationale Arabe de Tunisie's Net Interest Margin (Bank Only) % falls into.



Banque Internationale Arabe de Tunisie 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).

Banque Internationale Arabe de Tunisie'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 )
=308.095/( (4653.473 + 5044.757)/ 2 )
=308.095/4849.115
=6.35 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4653.473 + 0
=4653.473

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5044.757 + 0
=5044.757

Banque Internationale Arabe de Tunisie'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: Dec. 2022 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=308.095/( (4653.473 + 5044.757)/ 2 )
=308.095/4849.115
=6.35 %

where

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4653.473 + 0
=4653.473

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5044.757 + 0
=5044.757

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


Banque Internationale Arabe de Tunisie  (LSE:BIND) 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.


Banque Internationale Arabe de Tunisie Net Interest Margin (Bank Only) % Related Terms

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Banque Internationale Arabe de Tunisie (LSE:BIND) Business Description

Traded in Other Exchanges
Address
70-72 Avenue Habib Bourguiba, Tunis, TUN, 1000
Banque Internationale Arabe de Tunisie SA is a Tunisia-based banking services provider. The crux of its operations involves Retail Banking and Funding and Investment Banking Business which are also its operating segments. Under the Retail Banking umbrella, it provides deposit products and loans to individuals, as well as the agriculture and fishing, industry, construction, olive oil, trading, tourism, transport, telecom, service, and other sectors. The Investment Banking services include corporate finance, venture capital, a securities portfolio and financial holdings management, asset management, debt recovery. The bank generates a majority of its revenue in the form of interest incomes.

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