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Banco BPM SpA Net Interest Margin (Bank Only) %

: 1.65% (As of Jun. 2020)
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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. Banco BPM SpA's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2020 was $2,126 Mil. Banco BPM SpA's average earning assets for the quarter that ended in Jun. 2020 was $128,708 Mil. Therefore, Banco BPM SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2020 was 1.65%.


Banco BPM SpA Net Interest Margin (Bank Only) % Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

* Premium members only.

Banco BPM SpA Annual Data
Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19
Net Interest Margin (Bank Only) % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.92 1.70 2.18 1.93 1.63

Banco BPM SpA Semi-Annual Data
Dec10 Jun11 Dec11 Jun12 Dec12 Jun13 Dec13 Jun14 Dec14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20
Net Interest Margin (Bank 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.96 1.79 1.65 1.55 1.65

Competitive Comparison
* 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.


Banco BPM SpA Net Interest Margin (Bank Only) % Distribution

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



Banco BPM SpA 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).

Banco BPM SpA's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2019 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2019 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2018 ) + Earning Assets (A: Dec. 2019 ))/ count )
=2219.9466666667/( (135709.10238908 + 136402.10888889)/ 2 )
=2219.9466666667/136055.60563898
=1.63 %

where

Earning Assets(A: Dec. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=862.53583617747 + 134846.5665529 + 0
=135709.10238908

Earning Assets(A: Dec. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=1079.4344444444 + 135322.67444444 + 0
=136402.10888889

Banco BPM SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2020 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2020 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2019 ) + Earning Assets (Q: Jun. 2020 ))/ count )
=2125.8018018018/( (136402.10888889 + 121013.08333333)/ 2 )
=2125.8018018018/128707.59611111
=1.65 %

where

Earning Assets(Q: Dec. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=1079.4344444444 + 135322.67444444 + 0
=136402.10888889

Earning Assets(Q: Jun. 2020 )
=Money Market Investments + Net Loan + Securities & Investments
=5980.5506756757 + 115032.53265766 + 0
=121013.08333333

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's 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 two times the semi-annual (Jun. 2020) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Banco BPM SpA  (GREY:BNCZF) 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.


Banco BPM SpA Net Interest Margin (Bank Only) % Related Terms


Banco BPM SpA Net Interest Margin (Bank Only) % Headlines

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