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Allied Group (HKSE:00373) Net Interest Margin (Bank Only) % : 22.10% (As of Dec. 2024)


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What is Allied Group 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. Allied Group's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was HK$3,080 Mil. Allied Group's average earning assets for the quarter that ended in Dec. 2024 was HK$13,937 Mil. Therefore, Allied Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 22.10%.


Allied Group Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Allied Group'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.

Allied Group Net Interest Margin (Bank Only) % Chart

Allied Group 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 21.74 21.97 19.71 21.13 20.81

Allied Group Semi-Annual Data
Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 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 20.28 21.17 21.58 21.88 22.10

Competitive Comparison of Allied Group's Net Interest Margin (Bank Only) %

For the Credit Services subindustry, Allied Group'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.


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

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

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


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Allied Group 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).

Allied Group'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 )
=3063.5/( (14706.9 + 14731.6)/ 2 )
=3063.5/14719.25
=20.81 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=984.2 + 13722.7 + 0
=14706.9

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=1583.3 + 13148.3 + 0
=14731.6

Allied Group'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: Jun. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=3080.2/( (13141.8 + 14731.6)/ 2 )
=3080.2/13936.7
=22.10 %

where

Earning Assets(Q: Jun. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=5.5 + 13136.3 + 0
=13141.8

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=1583.3 + 13148.3 + 0
=14731.6

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


Allied Group  (HKSE:00373) 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.


Allied Group Net Interest Margin (Bank Only) % Related Terms

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Allied Group Business Description

Traded in Other Exchanges
Address
138 Gloucester Road, 22nd Floor, Allied Kajima Building, Wanchai, Hong Kong, HKG
Allied Group Ltd is a Hong Kong-based investment holding company. Its operating segments are; Investment and finance which includes investment and provision of mortgage loan and term loan financing; the Consumer finance segment includes the provision of consumer, SME, and other financing; Property development includes the business of development of properties; Property investment includes property rental and hotel operations managed by third parties; Property management includes the provision of property management, cleaning and security guarding services; Elderly care services include the provision of elderly care services; Healthcare services consists of operation of hospitals; and the Corporate and other operations segment. Key revenue for the company is derived from Hong Kong.
Executives
China Spirit Limited 2201 Interest of corporation controlled by you
Vigor Online Offshore Limited 2101 Beneficial owner
Chong Sok Un 2201 Interest of corporation controlled by you
Lee Seng Hui
Minty Hongkong Limited
Cashplus Management Limited
Zealous Developments Limited
Lee Seng Huang
Lee Su Hwei

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