What is Bank of Qingdao Co 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. Bank of Qingdao Co's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was €1,209 Mil. Bank of Qingdao Co's average earning assets for the quarter that ended in Mar. 2024 was €38,766 Mil. Therefore, Bank of Qingdao Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 3.12%.
Bank of Qingdao Co Net Interest Margin (Bank Only) % Historical Data
The historical data trend for Bank of Qingdao Co'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.
Bank of Qingdao Co Net Interest Margin (Bank Only) % Chart
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Bank of Qingdao Co Annual Data
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Trend |
Dec14 |
Dec15 |
Dec16 |
Dec17 |
Dec18 |
Dec19 |
Dec20 |
Dec21 |
Dec22 |
Dec23 |
| Net Interest Margin (Bank Only) % |
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4.77 |
4.38 |
3.67 |
3.47 |
3.44 |
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Bank of Qingdao Co Quarterly Data
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Sep18 |
Dec18 |
Mar19 |
Jun19 |
Sep19 |
Dec19 |
Jun20 |
Dec20 |
Jun21 |
Sep21 |
Dec21 |
Mar22 |
Jun22 |
Sep22 |
Dec22 |
Mar23 |
Jun23 |
Sep23 |
Dec23 |
Mar24 |
| Net Interest Margin (Bank Only) % |
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3.41 |
3.32 |
3.40 |
3.33 |
3.12 |
Competitive Comparison of Bank of Qingdao Co's Net Interest Margin (Bank Only) %
For the Banks - Regional subindustry, Bank of Qingdao Co'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.
Bank of Qingdao Co's Net Interest Margin (Bank Only) % Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Bank of Qingdao Co's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Bank of Qingdao Co's Net Interest Margin (Bank Only) % falls into.
Bank of Qingdao Co 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).
Bank of Qingdao Co's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as
where
Bank of Qingdao Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 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 four times the quarterly (Mar. 2024) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
Bank of Qingdao Co (FRA:4BQ) Business Description
Traded in Other Exchanges
Address
No. 6 Qinling Road, Building 3, Laoshan District, Shandong Province, Qingdao, CHN, 266061
Bank of Qingdao Co Ltd is engaged in the banking business. Its main segments include corporate banking, retail banking, and financial market business. The corporate banking segment offers financial products and services to corporations, government agencies, and financial institutions. The retail banking segments comprise personal loans and deposit services, whereas the financial market business covers inter-bank money market transactions, repurchases transactions, investments in debt securities, and non-standardized debt investments, and others. It generates most of its revenue from the corporate business segment.
Bank of Qingdao Co (FRA:4BQ) Headlines
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