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Standard Chartered Bank Zambia (LUS:SCBL) Net Interest Margin (Bank Only) % : % (As of . 20)


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What is Standard Chartered Bank Zambia 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. Standard Chartered Bank Zambia's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was ZMW Mil. Standard Chartered Bank Zambia's average earning assets for the quarter that ended in . 20 was ZMW Mil. Therefore, Standard Chartered Bank Zambia's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Standard Chartered Bank Zambia Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Standard Chartered Bank Zambia'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.

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Standard Chartered Bank Zambia Net Interest Margin (Bank Only) % Chart

Standard Chartered Bank Zambia Annual Data
Trend
Net Interest Margin (Bank Only) %

Standard Chartered Bank Zambia Semi-Annual Data
Net Interest Margin (Bank Only) %

Competitive Comparison of Standard Chartered Bank Zambia's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Standard Chartered Bank Zambia'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.


Standard Chartered Bank Zambia's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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


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Standard Chartered Bank Zambia 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).

Standard Chartered Bank Zambia'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
= + +
=

Standard Chartered Bank Zambia'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.


Standard Chartered Bank Zambia  (LUS:SCBL) 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.


Standard Chartered Bank Zambia Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of Standard Chartered Bank Zambia's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


Standard Chartered Bank Zambia Business Description

Comparable Companies
Traded in Other Exchanges
N/A
Address
Corner of Mwaimwena Road and Addis Ababa Drive, Stand 4642, Standard Chartered House, Lusaka, ZMB
Standard Chartered Bank Zambia PLC is a commercial bank offering financial products and services. Its business activities are divided into three segments: Corporate, Commercial, and institutional Banking, Consumer Private and Business Banking, and Central & other items.

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