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MA Financial Group (ASX:MAF) Net Interest Margin (Bank Only) % : 2.52% (As of Dec. 2024)


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What is MA 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. MA Financial Group's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was A$88.7 Mil. MA Financial Group's average earning assets for the quarter that ended in Dec. 2024 was A$3,524.2 Mil. Therefore, MA Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 2.52%.


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

The historical data trend for MA 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.

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

MA Financial Group Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 11.17 10.92 4.06 2.17 1.97

MA Financial Group Semi-Annual Data
Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
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 15.58 2.97 2.50 1.94 2.52

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

For the Asset Management subindustry, MA 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.


MA Financial Group's Net Interest Margin (Bank Only) % Distribution in the Asset Management Industry

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

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



MA 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).

MA Financial Group's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2023 ) + Earning Assets (A: Dec. 2024 ))/ count )
=67.165/( (2240.95 + 4589.498)/ 2 )
=67.165/3415.224
=1.97 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2079.716 + 161.234
=2240.95

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4535.942 + 53.556
=4589.498

MA Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=88.67/( (2458.937 + 4589.498)/ 2 )
=88.67/3524.2175
=2.52 %

where

Earning Assets(Q: Jun. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2335.728 + 123.209
=2458.937

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4535.942 + 53.556
=4589.498

* 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. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


MA Financial Group  (ASX:MAF) 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.


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

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MA Financial Group Business Description

Traded in Other Exchanges
N/A
Address
10 Carrington Street, Level 27, Brookfield Place, Sydney, NSW, AUS, 2000
MA Financial Group Ltd is a financial services company. The Group is organised into the following business segments: Asset Management, Lending & Technology and Corporate Advisory & Equities (CA&E). It generates maximum revenue from the Asset Management segment. The Asset Management segment incorporates the provision of asset management services and principal co-investment and strategic investments. The Lending & Technology segment includes the provision of Lending Platforms for loan funding, residential mortgages and Financial Technology. The Corporate Advisory and Equities segment provides corporate advice, underwriting and institutional stockbroking services. The Group mainly operates in Australia.

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