GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Daisan Bank Ltd (NGO:8529) » Definitions » Net Interest Margin (Bank Only) %

Daisan Bank (NGO:8529) Net Interest Margin (Bank Only) % : 1.67% (As of Mar. 2018)


View and export this data going back to 1961. Start your Free Trial

What is Daisan Bank 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. Daisan Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2018 was 円21,004 Mil. Daisan Bank's average earning assets for the quarter that ended in Mar. 2018 was 円1,260,646 Mil. Therefore, Daisan Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2018 was 1.67%.


Daisan Bank Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Daisan Bank'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.

Daisan Bank Net Interest Margin (Bank Only) % Chart

Daisan Bank Annual Data
Trend Mar09 Mar10 Mar11 Mar12 Mar13 Mar14 Mar15 Mar16 Mar17 Mar18
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.98 1.98 1.91 1.76 1.74

Daisan Bank Quarterly Data
Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18
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 1.75 1.82 1.75 1.78 1.67

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

For the Banks - Regional subindustry, Daisan Bank'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.


Daisan Bank's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Daisan Bank 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).

Daisan Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2018 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2018 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2017 ) + Earning Assets (A: Mar. 2018 ))/ count )
=21871/( (1247097 + 1264391)/ 2 )
=21871/1255744
=1.74 %

where

Earning Assets(A: Mar. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1247097 + 0
=1247097

Earning Assets(A: Mar. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1264391 + 0
=1264391

Daisan Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2018 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2018 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2017 ) + Earning Assets (Q: Mar. 2018 ))/ count )
=21004/( (1256900 + 1264391)/ 2 )
=21004/1260645.5
=1.67 %

where

Earning Assets(Q: Dec. 2017 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1256900 + 0
=1256900

Earning Assets(Q: Mar. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1264391 + 0
=1264391

* 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 four times the quarterly (Mar. 2018) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Daisan Bank  (NGO:8529) 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.


Daisan Bank Net Interest Margin (Bank Only) % Related Terms

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


Daisan Bank (NGO:8529) Business Description

Industry
Traded in Other Exchanges
N/A
Address
510 Kyo-machi, Mie, JPN, 515-8530
Daisan Bank Ltd offers banking services. It provides various services such as general account, time deposits, mutual funds, foreign currency deposits, education loans, car loans, solar power generation loans, life insurance, fire insurance, debt repayment support insurance, pet insurance, and others.

Daisan Bank (NGO:8529) Headlines

No Headlines