What is Credito Valtellinese SpA 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. Credito Valtellinese SpA's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2021 was $368.8 Mil. Credito Valtellinese SpA's average earning assets for the quarter that ended in Dec. 2021 was $18,765.9 Mil. Therefore, Credito Valtellinese SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2021 was 1.97%.
Credito Valtellinese SpA Net Interest Margin (Bank Only) % Historical Data
The historical data trend for Credito Valtellinese SpA'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.
Credito Valtellinese SpA Net Interest Margin (Bank Only) % Chart
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Credito Valtellinese SpA Annual Data
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Trend |
Dec12 |
Dec13 |
Dec14 |
Dec15 |
Dec16 |
Dec17 |
Dec18 |
Dec19 |
Dec20 |
Dec21 |
| Net Interest Margin (Bank Only) % |
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2.49 |
2.24 |
2.22 |
2.38 |
2.24 |
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Credito Valtellinese SpA Semi-Annual Data
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Jun12 |
Dec12 |
Jun13 |
Dec13 |
Jun14 |
Dec14 |
Jun15 |
Dec15 |
Jun16 |
Dec16 |
Jun17 |
Dec17 |
Jun18 |
Dec18 |
Jun19 |
Dec19 |
Jun20 |
Dec20 |
Jun21 |
Dec21 |
| Net Interest Margin (Bank Only) % |
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2.24 |
2.20 |
2.50 |
2.00 |
1.97 |
Competitive Comparison of Credito Valtellinese SpA's Net Interest Margin (Bank Only) %
For the Banks - Regional subindustry, Credito Valtellinese SpA'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.
Credito Valtellinese SpA's Net Interest Margin (Bank Only) % Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Credito Valtellinese SpA's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Credito Valtellinese SpA's Net Interest Margin (Bank Only) % falls into.
Credito Valtellinese SpA 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).
Credito Valtellinese SpA's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2021 is calculated as
where
Credito Valtellinese SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2021 is calculated as
where
* 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. 2021) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Credito Valtellinese SpA (Credito Valtellinese SpA) Business Description
Traded in Other Exchanges
N/A
Address
Piazza Quadrivio 8, Sondrio, ITA, 23100
Credito Valtellinese SpA is a banking group operating in certain regions of Italy, Lombardia. The bank's customers include households, small to midsize enterprises, artisans, and professionals. Its network model assigns portions of its market to various retail territorial banks, and provides them with ongoing support through specialized finance and special-purpose companies, mostly through insurance services. The majority of the bank's net revenue comprises net interest income, followed by net fee and commission income. The bank's earning assets are mostly loans and receivables due from customers.
Credito Valtellinese SpA (Credito Valtellinese SpA) Headlines
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