International Leasing & Financial Services (DHA:ILFSL) Net Interest Margin (Bank Only) %: % (As of . 20)


DHA:ILFSL International Leasing & Financial Services Ltd DHA:ILFSL
11 GF Score
Price BDT1.10
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What is International Leasing & Financial Services Net Interest Margin (Bank Only) %?

International Leasing & Financial Services DHA:ILFSL -8.33% 11 Net Interest Margin (Bank Only) % is % as of . 20. GuruFocus rates DHA:ILFSL with a GF Score™ of 11/100.

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. International Leasing & Financial Services's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was BDT Mil. International Leasing & Financial Services's average earning assets for the quarter that ended in . 20 was BDT Mil. Therefore, International Leasing & Financial Services's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


International Leasing & Financial Services  (DHA:ILFSL) 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.


International Leasing & Financial Services Net Interest Margin (Bank Only) % Related Terms


International Leasing & Financial Services Net Interest Margin (Bank Only) % Historical Data

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The historical data trend for International Leasing & Financial Services'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.

International Leasing & Financial Services Net Interest Margin (Bank Only) % Chart

International Leasing & Financial Services Annual Data
Trend
Net Interest Margin (Bank Only) %

International Leasing & Financial Services Semi-Annual Data
Net Interest Margin (Bank Only) %

DHA:ILFSL vs DHCPQ: Net Interest Margin (Bank Only) % Comparison

For the Credit Services subindustry, International Leasing & Financial Services'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.


International Leasing & Financial Services Net Interest Margin (Bank Only) % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, International Leasing & Financial Services's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where International Leasing & Financial Services's Net Interest Margin (Bank Only) % falls into.


DHA:ILFSL
11GF Score
International Leasing & Financial Services Ltd DHA:ILFSL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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International Leasing & Financial Services 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).

International Leasing & Financial Services's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

International Leasing & Financial Services's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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 one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of % mean?
International Leasing & Financial Services (DHA:ILFSL) has a Net Interest Margin (Bank Only) % of % as of . 20. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on International Leasing & Financial Services and its competitors.
Is International Leasing & Financial Services' Net Interest Margin (Bank Only) % too high?
International Leasing & Financial Services' current Net Interest Margin (Bank Only) % is %. Overall, International Leasing & Financial Services has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does International Leasing & Financial Services' Net Interest Margin (Bank Only) % compare to DHCPQ?
International Leasing & Financial Services' Net Interest Margin (Bank Only) % of % can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Credit Services company?
A good Net Interest Margin (Bank Only) % depends on the Credit Services industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on International Leasing & Financial Services and its competitors. International Leasing & Financial Services's current Net Interest Margin (Bank Only) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Leasing & Financial Services stock overvalued right now?
International Leasing & Financial Services (DHA:ILFSL) has a current Net Interest Margin (Bank Only) % of %. The current Net Interest Margin (Bank Only) % is %. International Leasing & Financial Services' overall GF Score™ is 11/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For International Leasing & Financial Services (DHA:ILFSL), the current Net Interest Margin (Bank Only) % is % as of . 20. 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.

International Leasing & Financial Services Business Description

Address Bir Protik Gazi Golam Dostogir Road, DR Tower (13th Floor), 65/2/2, Purana Paltan, Dhaka, BGD, 1000
International Leasing & Financial Services Ltd operates as a financial Institution in Bangladesh. The company's product consists of lease finance, project finance, term finance, SME finance, real estate finance, work order finance, syndicated finance, deposit schemes, stock brokerage, primary dealership, and merchant banking. The business of the company is to carry on the business as a broker, and dealer in stocks and securities, commercial papers, bonds, debentures, debenture stocks, treasury bills, bonds, and other financial instruments.
11GF Score

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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT1.10
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