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).
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 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 Joint Stock Commercial Bank For Industry And Trade Net Interest Margin (Bank Only) % Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Interest Margin (Bank Only) % Historical Data
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Interest Margin (Bank Only) % Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Interest Margin (Bank Only) % Competitor Comparison
For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade'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 Joint Stock Commercial Bank For Industry And Trade Net Interest Margin (Bank Only) % vs Banks Industry
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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).
* 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.
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. 2026) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 3.91% mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Net Interest Margin (Bank Only) % of 3.91% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Interest Margin (Bank Only) % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Interest Margin (Bank Only) % is 3.91%. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Interest Margin (Bank Only) % compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Interest Margin (Bank Only) % of 3.91% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Interest Margin (Bank Only) % is 3.91%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 3.91%. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Net Interest Margin (Bank Only) % is 3.91% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued.
The current stock price of ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
Net Interest Margin (Bank Only) %: 3.91%
GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
72GF Score
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