MF Banka AD (XBLB:IEFB-R-A) Effective Interest Rate on Debt %: 29.73% (As of Dec. 2025)

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What is MF Banka AD Effective Interest Rate on Debt %?

MF Banka AD XBLB:IEFB-R-A Effective Interest Rate on Debt % is 29.73% as of Dec. 2025. The stock has 2 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. MF Banka AD's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was BAM17.52 Mil. MF Banka AD's average total debt for the quarter that ended in Dec. 2025 was BAM58.94 Mil. Therefore, MF Banka AD's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 29.73%.

MF Banka AD  (XBLB:IEFB-R-A) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

MF Banka AD Effective Interest Rate on Debt % Related Terms

MF Banka AD Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for MF Banka AD's Effective Interest Rate on Debt % 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.

MF Banka AD Effective Interest Rate on Debt % Chart

MF Banka AD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.62 10.90 11.86 19.66 25.36

MF Banka AD Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % 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 14.28 15.75 23.47 32.86 29.73

XBLB:IEFB-R-A vs USB, PNC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, MF Banka AD's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.

MF Banka AD Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, MF Banka AD's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where MF Banka AD's Effective Interest Rate on Debt % falls into.


MF Banka AD Effective Interest Rate on Debt % Calculation

MF Banka AD's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -16.793/( (56.159+76.267)/ 2 )
=-1  *  -16.793/66.213
=25.36 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=56.159 + 0
=56.159

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=76.267 + 0
=76.267

MF Banka AD's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -17.522/( (41.613+76.267)/ 2 )
=-1  *  -17.522/58.94
=29.73 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=41.613 + 0
=41.613

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=76.267 + 0
=76.267

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 29.73% mean?
MF Banka AD (XBLB:IEFB-R-A) has a Effective Interest Rate on Debt % of 29.73% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MF Banka AD and its competitors.
Is MF Banka AD's Effective Interest Rate on Debt % too high?
MF Banka AD's current Effective Interest Rate on Debt % is 29.73%.
How does MF Banka AD's Effective Interest Rate on Debt % compare to USB and PNC?
MF Banka AD's Effective Interest Rate on Debt % of 29.73% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on MF Banka AD and its competitors. MF Banka AD's current Effective Interest Rate on Debt % is 29.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Effective Interest Rate on Debt % of 29.73%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Effective Interest Rate on Debt % is 29.73%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For MF Banka AD (XBLB:IEFB-R-A), the current Effective Interest Rate on Debt % is 29.73% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

MF Banka AD Business Description

Address Aleja Svetog Save Street No. 61, Banja Luka, BIH
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.