GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » BFF Bank SpA (FRA:2BF) » Definitions » Net Interest Margin (Bank Only) %

BFF Bank SpA (FRA:2BF) Net Interest Margin (Bank Only) % : 2.66% (As of Dec. 2024)


View and export this data going back to 2017. Start your Free Trial

What is BFF Bank 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. BFF Bank SpA's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was €267.3 Mil. BFF Bank SpA's average earning assets for the quarter that ended in Dec. 2024 was €10,063.7 Mil. Therefore, BFF Bank SpA's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 2.66%.


BFF Bank SpA Net Interest Margin (Bank Only) % Historical Data

The historical data trend for BFF Bank 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.

* Premium members only.

BFF Bank SpA Net Interest Margin (Bank Only) % Chart

BFF Bank SpA Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.77 4.66 5.40 5.06 4.56

BFF Bank SpA Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.48 3.09 2.99 8.58 2.66

Competitive Comparison of BFF Bank SpA's Net Interest Margin (Bank Only) %

For the Credit Services subindustry, BFF Bank 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.


BFF Bank SpA's Net Interest Margin (Bank Only) % Distribution in the Credit Services Industry

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

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


;
;

BFF Bank 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).

BFF Bank SpA'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 )
=357.981/( (5644.161 + 10064.476)/ 2 )
=357.981/7854.3185
=4.56 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=352.2 + 5291.961 + 0
=5644.161

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10064.476 + 0
=10064.476

BFF Bank SpA'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: Sep. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=267.328/( (10062.884 + 10064.476)/ 2 )
=267.328/10063.68
=2.66 %

where

Earning Assets(Q: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10062.884 + 0
=10062.884

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10064.476 + 0
=10064.476

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


BFF Bank SpA  (FRA:2BF) 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.


BFF Bank SpA Net Interest Margin (Bank Only) % Related Terms

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


BFF Bank SpA Business Description

Industry
Traded in Other Exchanges
Address
Via Domenichino 5, Milan, ITA, 20149
BFF Bank SpA is an independent specialty finance company engaged in three business units; Factoring & Lending BU, which offers products such as non-recourse factoring, lending, and credit management mainly to public sector suppliers and public administration bodies, Securities Services BU, which deals with custodian banking for investment funds and related services such as fund accounting, and transfer agents for national managers and banks and for various investment funds such as pension funds, mutual funds and alternative funds, and Payments BU, which deals with payment processing, corporate payments, and cheques and bills and has as customers medium-small Italian banks, medium-large companies and boasts a partnership with Nexi.

BFF Bank SpA Headlines

No Headlines