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EVN Finance JSC (STC:EVF) Net Interest Margin (Bank Only) % : 3.77% (As of Mar. 2025)


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What is EVN Finance JSC 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. EVN Finance JSC's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2025 was ₫1,715,236 Mil. EVN Finance JSC's average earning assets for the quarter that ended in Mar. 2025 was ₫45,484,828 Mil. Therefore, EVN Finance JSC's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2025 was 3.77%.


EVN Finance JSC Net Interest Margin (Bank Only) % Historical Data

The historical data trend for EVN Finance JSC'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.

EVN Finance JSC Net Interest Margin (Bank Only) % Chart

EVN Finance JSC Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
4.86 4.55 4.19 2.45 3.59

EVN Finance JSC Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 4.56 4.47 4.05 2.73 3.77

Competitive Comparison of EVN Finance JSC's Net Interest Margin (Bank Only) %

For the Financial Conglomerates subindustry, EVN Finance JSC'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.


EVN Finance JSC's Net Interest Margin (Bank Only) % Distribution in the Diversified Financial Services Industry

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

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


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EVN Finance JSC 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).

EVN Finance JSC'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 )
=1444335/( (34029844 + 46322596)/ 2 )
=1444335/40176220
=3.59 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=15947 + 34013897 + 0
=34029844

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=15947 + 46306649 + 0
=46322596

EVN Finance JSC's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2024 ) + Earning Assets (Q: Mar. 2025 ))/ count )
=1715236/( (46322596 + 44647060)/ 2 )
=1715236/45484828
=3.77 %

where

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=15947 + 46306649 + 0
=46322596

Earning Assets(Q: Mar. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 44647060 + 0
=44647060

* 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. 2025) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


EVN Finance JSC  (STC:EVF) 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.


EVN Finance JSC Net Interest Margin (Bank Only) % Related Terms

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EVN Finance JSC Business Description

Traded in Other Exchanges
N/A
Address
No. 11 cua bac, Level 14, 15 & 16, Building B, EVN Tower, Truc Bach Ward, Ba Dinh District, Hanoi, VNM
EVN Finance JSC is engaged in the provision of financial services. It only operates in the field of finance and currency business and operates only in Vietnam.