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Alinma Bank (SAU:1150) Net Interest Margin (Bank Only) % : 0.00% (As of Dec. 2024)


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What is Alinma 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. Alinma Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was ﷼0 Mil. Alinma Bank's average earning assets for the quarter that ended in Dec. 2024 was ﷼173,951 Mil. Therefore, Alinma Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 0.00%.


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

The historical data trend for Alinma 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.

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Alinma Bank Net Interest Margin (Bank Only) % Chart

Alinma Bank Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
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Alinma Bank Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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Competitive Comparison of Alinma Bank's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Alinma 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.


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

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

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


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Alinma 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).

Alinma Bank'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 )
=0/( (128753.419 + 152007.116)/ 2 )
=0/140380.2675
=0.00 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 128753.419 + 0
=128753.419

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=803.807 + 151203.309 + 0
=152007.116

Alinma Bank'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: Sep. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=0/( (195895.397 + 152007.116)/ 2 )
=0/173951.2565
=0.00 %

where

Earning Assets(Q: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 195895.397 + 0
=195895.397

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=803.807 + 151203.309 + 0
=152007.116

* 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 (Dec. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Alinma Bank  (SAU:1150) 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.


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

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Alinma Bank Business Description

Industry
Traded in Other Exchanges
N/A
Address
King Fahad Road, P.O. Box 66674, Riyadh, SAU, 11586
Alinma Bank provides banking and investment services. The company's operating segments include Retail Banking, Corporate Banking, Treasury and Investment, and brokerage. The corporate banking segment provides financing, deposit, and other products and services for corporate, SME, and institutional customers. The Retail Banking segment provides services to individuals. Investment and brokerage provide Asset Management, custodianship, advisory, underwriting, and brokerage services. It generates maximum revenue from the Corporate Banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, Europe, Other GCC and Middle East countries, and Other countries.

Alinma Bank Headlines

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