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Banca Generali (MIL:BGN) Net Interest Margin (Bank Only) % : 0.41% (As of Dec. 2023)


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What is Banca Generali 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. Banca Generali's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was €321.6 Mil. Banca Generali's average earning assets for the quarter that ended in Dec. 2023 was €78,827.6 Mil. Therefore, Banca Generali's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 0.41%.


Banca Generali Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Banca Generali'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.

Banca Generali Net Interest Margin (Bank Only) % Chart

Banca Generali 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 3.18 3.51 2.95 4.34 0.43

Banca Generali 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 2.20 3.21 3.72 3.87 0.41

Competitive Comparison of Banca Generali's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Banca Generali'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.


Banca Generali's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Banca Generali 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).

Banca Generali'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 )
=321.3/( (3317.999 + 144786)/ 2 )
=321.3/74051.9995
=0.43 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=397.723 + 2920.276 + 0
=3317.999

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 144786 + 0
=144786

Banca Generali'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 )
=321.6/( (12869.116 + 144786)/ 2 )
=321.6/78827.558
=0.41 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 12869.116 + 0
=12869.116

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 144786 + 0
=144786

* 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.


Banca Generali  (MIL:BGN) 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.


Banca Generali Net Interest Margin (Bank Only) % Related Terms

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Banca Generali (MIL:BGN) Business Description

Industry
Traded in Other Exchanges
Address
Piazza Tre Torri 1, Milan, ITA, 20145
Banca Generali is a private bank that supports clients in the care and protection of assets with innovative and sustainability-oriented solutions. It is involved in financial planning and asset protection of clients. It offers services such as Home Banking; Online Trading; Mobile and Wearable Payments and C-less debit and credit cards; Investment services and wealth management services. The company has more than 45 branches and 170 offices in the main Italian cities.

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