GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Banco Suquia SA (BUE:BSUQ5) » Definitions » Net Interest Margin (Bank Only) %

Banco Suquia (BUE:BSUQ5) Net Interest Margin (Bank Only) % : 91.06% (As of Sep. 2013)


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

What is Banco Suquia 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. Banco Suquia's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2013 was ARS5.80 Mil. Banco Suquia's average earning assets for the quarter that ended in Sep. 2013 was ARS6.37 Mil. Therefore, Banco Suquia's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2013 was 91.06%.


Banco Suquia Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Banco Suquia'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.

Banco Suquia Net Interest Margin (Bank Only) % Chart

Banco Suquia Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 0.33 - - - -

Banco Suquia Quarterly Data
Dec07 Dec08 Dec09 Dec10 Jun11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13
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 -47.03 -0.21 -44.62 -71.67 91.06

Competitive Comparison of Banco Suquia's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Banco Suquia'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.


Banco Suquia's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Banco Suquia 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).

Banco Suquia's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2012 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2012 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2011 ) + Earning Assets (A: Dec. 2012 ))/ count )
=-2.824/( (0 + 0)/ 1 )
=-2.824/0
=N/A %

where

Earning Assets(A: Dec. 2011 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(A: Dec. 2012 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Banco Suquia's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2013 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2013 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2013 ) + Earning Assets (Q: Sep. 2013 ))/ count )
=5.804/( (6.173 + 6.574)/ 2 )
=5.804/6.3735
=91.06 %

where

Earning Assets(Q: Jun. 2013 )
=Money Market Investments + Net Loan + Securities & Investments
=1.185 + 4.988 + 0
=6.173

Earning Assets(Q: Sep. 2013 )
=Money Market Investments + Net Loan + Securities & Investments
=1.275 + 5.299 + 0
=6.574

* 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 (Sep. 2013) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Banco Suquia  (BUE:BSUQ5) 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.


Banco Suquia Net Interest Margin (Bank Only) % Related Terms

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


Banco Suquia (BUE:BSUQ5) Business Description

Industry
Traded in Other Exchanges
N/A
Address
Ayacucho 60, Cordoba, ARG
Banco Suquia SA provides financial solutions to professionals, small to medium companies, and individuals in Argentina. It offers services, such as credit cards, foreign currency transactions, electronic banking services, insurance, security boxes, credit for business marketing development, among others.

Banco Suquia (BUE:BSUQ5) Headlines

No Headlines