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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).
Yangzhou Guangling District Taihe Rural Micro-finance Co (HKSE:01915) 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.
Yangzhou Guangling District Taihe Rural Micro-finance Co Net Interest Margin (Bank Only) % Related Terms
Yangzhou Guangling District Taihe Rural Micro-finance Co Net Interest Margin (Bank Only) % Historical Data
* 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.
Yangzhou Guangling District Taihe Rural Micro-finance Co Net Interest Margin (Bank Only) % Chart
Yangzhou Guangling District Taihe Rural Micro-finance Co Annual Data
HKSE:01915 vs V, MA, AXP: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, Yangzhou Guangling District Taihe Rural Micro-finance 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.
Yangzhou Guangling District Taihe Rural Micro-finance Co Net Interest Margin (Bank Only) % vs Credit Services Industry
Yangzhou Guangling District Taihe Rural Micro-finance 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).
* 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.
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 (Jun. 2024) 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 5.95% mean?
Yangzhou Guangling District Taihe Rural Micro-finance Co (HKSE:01915) has a Net Interest Margin (Bank Only) % of 5.95% as of Jun. 2024. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Yangzhou Guangling District Taihe Rural Micro-finance Co and its competitors.
Is Yangzhou Guangling District Taihe Rural Micro-finance Co's Net Interest Margin (Bank Only) % too high?
Yangzhou Guangling District Taihe Rural Micro-finance Co's current Net Interest Margin (Bank Only) % is 5.95%. Overall, Yangzhou Guangling District Taihe Rural Micro-finance Co has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Yangzhou Guangling District Taihe Rural Micro-finance Co's Net Interest Margin (Bank Only) % compare to V and MA?
Yangzhou Guangling District Taihe Rural Micro-finance Co's Net Interest Margin (Bank Only) % of 5.95% 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 Yangzhou Guangling District Taihe Rural Micro-finance Co and its competitors. Yangzhou Guangling District Taihe Rural Micro-finance Co's current Net Interest Margin (Bank Only) % is 5.95%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yangzhou Guangling District Taihe Rural Micro-finance Co stock overvalued right now?
Yangzhou Guangling District Taihe Rural Micro-finance Co (HKSE:01915) has a current Net Interest Margin (Bank Only) % of 5.95%. The current Net Interest Margin (Bank Only) % is 5.95%. Yangzhou Guangling District Taihe Rural Micro-finance Co's overall GF Score™ is 4/100. 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 Yangzhou Guangling District Taihe Rural Micro-finance Co (HKSE:01915), the current Net Interest Margin (Bank Only) % is 5.95% as of Jun. 2024. 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.
Yangzhou Guangling District Taihe Rural Micro-finance Co Ltd is engaged in the microfinance business. The company offers micro and small loans in two formats, term loans, and loans under the credit facility to its customers. Its services are the granting of loans to Agriculture, Rural Areas, and Farmers, provision of financial guarantees, acting as a financial institution agent, and other financial businesses. The group's revenue is generated from the provision of loans to small and medium-sized and micro enterprises located in Yangzhou, Jiangsu Province in the PRC.
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