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Viet Nam Thuong Tin Commercial JSB (HSTC:VBB) Net Interest Margin (Bank Only) % : % (As of . 20)


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What is Viet Nam Thuong Tin Commercial JSB 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. Viet Nam Thuong Tin Commercial JSB's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was ₫ Mil. Viet Nam Thuong Tin Commercial JSB's average earning assets for the quarter that ended in . 20 was ₫ Mil. Therefore, Viet Nam Thuong Tin Commercial JSB's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Viet Nam Thuong Tin Commercial JSB Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Viet Nam Thuong Tin Commercial JSB'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.

Viet Nam Thuong Tin Commercial JSB Net Interest Margin (Bank Only) % Chart

Viet Nam Thuong Tin Commercial JSB Annual Data
Trend
Net Interest Margin (Bank Only) %

Viet Nam Thuong Tin Commercial JSB Semi-Annual Data
Net Interest Margin (Bank Only) %

Competitive Comparison of Viet Nam Thuong Tin Commercial JSB's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Viet Nam Thuong Tin Commercial JSB'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.


Viet Nam Thuong Tin Commercial JSB's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Viet Nam Thuong Tin Commercial JSB's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Viet Nam Thuong Tin Commercial JSB's Net Interest Margin (Bank Only) % falls into.


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Viet Nam Thuong Tin Commercial JSB 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).

Viet Nam Thuong Tin Commercial JSB's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Viet Nam Thuong Tin Commercial JSB's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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 one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Viet Nam Thuong Tin Commercial JSB  (HSTC:VBB) 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.


Viet Nam Thuong Tin Commercial JSB Net Interest Margin (Bank Only) % Related Terms

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Viet Nam Thuong Tin Commercial JSB Business Description

Comparable Companies
Traded in Other Exchanges
N/A
Address
No. 47 Tran Hung Dao, Ward 3, Soc Trang province, Soc Trang, VNM
Viet Nam Thuong Tin Commercial JSB operates as a bank in Vietnam. Its services include demand deposits, term deposits, savings deposits, and other types of deposits; issuance of certificates of deposit, bills of exchange, bills of credit, bonds for raising funds domestically and abroad.

Viet Nam Thuong Tin Commercial JSB Headlines

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