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Julius Baer Gruppe AG (XSWX:BAER) Net Interest Margin (Bank Only) % : 1.71% (As of Dec. 2023)


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What is Julius Baer Gruppe AG 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. Julius Baer Gruppe AG's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was CHF755 Mil. Julius Baer Gruppe AG's average earning assets for the quarter that ended in Dec. 2023 was CHF44,140 Mil. Therefore, Julius Baer Gruppe AG's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 1.71%.


Julius Baer Gruppe AG Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Julius Baer Gruppe AG'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.

Julius Baer Gruppe AG Net Interest Margin (Bank Only) % Chart

Julius Baer Gruppe AG 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 1.69 1.30 1.28 1.71 1.94

Julius Baer Gruppe AG Semi-Annual Data
Jun14 Dec14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 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 1.26 1.40 2.07 1.99 1.71

Competitive Comparison of Julius Baer Gruppe AG's Net Interest Margin (Bank Only) %

For the Asset Management subindustry, Julius Baer Gruppe AG'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.


Julius Baer Gruppe AG's Net Interest Margin (Bank Only) % Distribution in the Asset Management Industry

For the Asset Management industry and Financial Services sector, Julius Baer Gruppe AG's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Julius Baer Gruppe AG's Net Interest Margin (Bank Only) % falls into.



Julius Baer Gruppe AG 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).

Julius Baer Gruppe AG'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 )
=841.8/( (45884.2 + 40682.3)/ 2 )
=841.8/43283.25
=1.94 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=1300 + 44584.2 + 0
=45884.2

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=1774.9 + 38907.4 + 0
=40682.3

Julius Baer Gruppe AG'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: Jun. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=754.8/( (47597.9 + 40682.3)/ 2 )
=754.8/44140.1
=1.71 %

where

Earning Assets(Q: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4840 + 42757.9 + 0
=47597.9

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=1774.9 + 38907.4 + 0
=40682.3

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


Julius Baer Gruppe AG  (XSWX:BAER) 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.


Julius Baer Gruppe AG Net Interest Margin (Bank Only) % Related Terms

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Julius Baer Gruppe AG (XSWX:BAER) Business Description

Traded in Other Exchanges
Address
Bahnhofstrasse 36, Zurich, CHE, 8010
Julius Baer was founded in 1890 and expanded significantly in 2005 when it acquired three Swiss private banks and Global Asset Management from its far larger Swiss rival, UBS. In 2009, Baer spun off GAM as a separately listed firm. The acquisition of Merrill Lynch's wealth management operations outside of the U.S. in 2012 increased Baer's assets under management by 40% and increased its footprint outside of Europe. Julius Baer is currently the largest pure-play private bank in Switzerland and the third-largest Swiss private bank. Baer provides private banking services principally to individuals in Switzerland and Europe and increasingly in Asia and other emerging markets.