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Bank Of Guizhou Co (HKSE:06199) Net Interest Margin (Bank Only) % : 2.88% (As of Dec. 2024)


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What is Bank Of Guizhou 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 Guizhou Co's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was HK$10,280 Mil. Bank Of Guizhou Co's average earning assets for the quarter that ended in Dec. 2024 was HK$356,624 Mil. Therefore, Bank Of Guizhou Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 2.88%.


Bank Of Guizhou Co Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Bank Of Guizhou 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.

* Premium members only.

Bank Of Guizhou Co Net Interest Margin (Bank Only) % Chart

Bank Of Guizhou Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only 5.72 4.28 3.50 2.91 2.80

Bank Of Guizhou Co Semi-Annual Data
Dec16 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 3.55 3.37 2.43 2.73 2.88

Competitive Comparison of Bank Of Guizhou Co's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Bank Of Guizhou 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 Guizhou Co's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Bank Of Guizhou Co's Net Interest Margin (Bank Only) % distribution charts can be found below:

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


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Bank Of Guizhou 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 Guizhou Co'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 )
=9771.117/( (334831.852 + 363218.548)/ 2 )
=9771.117/349025.2
=2.80 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=1806.088 + 333025.764 + 0
=334831.852

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=21830.736 + 341387.812 + 0
=363218.548

Bank Of Guizhou Co'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 )
=10279.724/( (350029.925 + 363218.548)/ 2 )
=10279.724/356624.2365
=2.88 %

where

Earning Assets(Q: Jun. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=7104.507 + 342925.418 + 0
=350029.925

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=21830.736 + 341387.812 + 0
=363218.548

* 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.


Bank Of Guizhou Co  (HKSE:06199) 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.


Bank Of Guizhou Co Net Interest Margin (Bank Only) % Related Terms

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Bank Of Guizhou Co Business Description

Industry
Traded in Other Exchanges
N/A
Address
No. 9, Yongchang Road, Bank of Guizhou Head Office Building, Guanshanhu District, Guizhou Province, Guiyang, CHN
Bank Of Guizhou Co Ltd operates as a commercial bank. The company's operating segments include Corporate Banking; Retail Banking; Financial Markets and others. It generates maximum revenue from the Corporate Banking segment. Corporate Banking segment represents the provision of a range of financial products and services to corporations, government agencies, and financial institutions. Its products and services include corporate loans and advances, trade financing, deposit-taking activities, agency services, wealth management services, consultancy services, settlement and clearing services, and acceptance and guarantee services.
Executives
Zhang Sheng Ji Jin Zun Yi Hao Dan Yi Zi Chan Guan Li Ji Hua 2102 Investment manager
Gui Zhou Sheng Fan Jing Shan Tou Zi Kong Gu Ji Tuan You Xian Gong Si 2101 Beneficial owner
Tong Ren Shi Guo You Zi Chan Jian Du Guan Li Ju 2201 Interest of corporation controlled by you
Gui Zhou Shui Tou Shui Wu Ji Tuan You Xian Gong Si 2101 Beneficial owner
Gui Zhou Sheng Shui Li Ting 2201 Interest of corporation controlled by you
Gui Zhou Sheng Shui Li Tou Zi Ji Tuan You Xian Ze Ren Gong Si 2201 Interest of corporation controlled by you
Qian Xi Nan Zhou Ren Min Zheng Fu Guo You Zi Chan Jian Du Guan Li Wei Yuan Hui 2201 Interest of corporation controlled by you
Qian Xi Nan Zhou Hong Sheng Zi Ben Ying Yun You Xian Ze Ren Gong Si 2101 Beneficial owner
Ren Huai Shi Ren Min Zheng Fu 2201 Interest of corporation controlled by you
Gui Zhou Sheng Ren Huai Shi Jiang Xiang Xing Bai Jiu Chan Ye Fa Zhan Tou Zi You Xian Ze Ren Gong Si 2101 Beneficial owner

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