GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SVB Financial Group (OTCPK:SIVBQ) » Definitions » Net Interest Margin (Bank Only) %
中文

SVB Financial Group (SVB Financial Group) Net Interest Margin (Bank Only) % : 2.13% (As of Dec. 2022)


View and export this data going back to 1990. Start your Free Trial

What is SVB Financial Group 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. SVB Financial Group's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2022 was $4,152 Mil. SVB Financial Group's average earning assets for the quarter that ended in Dec. 2022 was $194,476 Mil. Therefore, SVB Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 was 2.13%.


SVB Financial Group Net Interest Margin (Bank Only) % Historical Data

The historical data trend for SVB Financial Group'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.

SVB Financial Group Net Interest Margin (Bank Only) % Chart

SVB Financial Group Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.79 3.66 2.76 2.20 2.31

SVB Financial Group Quarterly Data
Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22
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 2.07 2.22 2.38 2.46 2.13

Competitive Comparison of SVB Financial Group's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, SVB Financial Group'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.


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

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

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



SVB Financial Group 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).

SVB Financial Group's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2021 ) + Earning Assets (A: Dec. 2022 ))/ count )
=4485/( (194420 + 194390)/ 2 )
=4485/194405
=2.31 %

where

Earning Assets(A: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=607 + 65854 + 127959
=194420

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=722 + 73614 + 120054
=194390

SVB Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2022 ) + Earning Assets (Q: Dec. 2022 ))/ count )
=4152/( (194561 + 194390)/ 2 )
=4152/194475.5
=2.13 %

where

Earning Assets(Q: Sep. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=397 + 71572 + 122592
=194561

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=722 + 73614 + 120054
=194390

* 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. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


SVB Financial Group  (OTCPK:SIVBQ) 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.


SVB Financial Group Net Interest Margin (Bank Only) % Related Terms

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


SVB Financial Group (SVB Financial Group) Business Description

Industry
Traded in Other Exchanges
Address
3003 Tasman Drive, Santa Clara, CA, USA, 95054-1191
SVB Financial Group provides loans and ancillary financial services to startups, private equity, and venture capital firms. The bank has four segments: Silicon Valley Bank, SVB Private, SVB Capital, and SVB Securities. In addition to providing loans to venture-capital-backed startups, the company invests in private equity and venture capital funds of funds. The bank operates throughout the United States and maintains offices in Canada, the United Kingdom, Israel, China, India, Germany, Denmark, and Ireland.
Executives
C. Allen Parker director 420 MONTGOMERY STREET, SAN FRANCISCO CA 94104
Steven G Panagos director C/O SPIRIT MTA REIT, 2727 NORTH HARWOOD STREET, SUITE 300, DALLAS TX 75201
Richard Devon Daniels director 3005 TASMAN DRIVE, SANTA CLARA CA 95054
Nicholas Grossi officer: Interim CFO 2770 SAND HILL ROAD, MENLO PARK CA 94025
William C Kosturos officer: Chief Restructuring Officer C/O WASHINGTON MUTUAL, INC., 1301 SECOND AVENUE, SEATTLE WA 98101
Gregory W Becker officer: President and CEO 3003 TASMAN DRIVE, SANTA CLARA CA 95054
Daniel J Beck officer: Chief Financial Officer 3005 TASMAN DRIVE, SANTA CLARA CA 95054
Michelle Draper officer: Chief Marketing Officer 177 WESTLAWN AVE, DALY CITY CA 94015
Beverly Kay Matthews director C/O COHERENT, INC., 5100 PATRICK HENRY DRIVE, SANTA CLARA CA 95054
Kim Petra Olson officer: Chief Risk Officer 3003 TASMAN DRIVE, SANTA CLARA CA 95054
Laura Cushing officer: Chief Human Resources Officer 3003 TASMAN DRIVE, SANTA CLARA CA 95054
Thomas C. King director C/O CLEAR CHANNEL OUTDOOR HOLDINGS, INC., 4830 NORTH LOOP 1604W, SUITE 111, SAN ANTONIO TX 78249
Garen K Staglin director C/O EXLSERVICE HOLDINGS, INC., 320 PARK AVENUE 29TH FL, NEW YORK NY 10022
Michael Descheneaux officer: Chief Financial Officer 3003 TASMAN DRIVE, SANTA CLARA CA 95054
Philip C Cox officer: Head EMEA India & President,UK ORCHARD HOUSE 40 BARRINGTON ROAD, FOXTON CAMBRIDGE, LONDON X0 CB22 6SL

SVB Financial Group (SVB Financial Group) Headlines

From GuruFocus