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Shaanxi International Trust Co (SZSE:000563) Net Interest Margin (Bank Only) % : 3.99% (As of Mar. 2024)


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What is Shaanxi International Trust Co 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. Shaanxi International Trust Co's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was ¥427 Mil. Shaanxi International Trust Co's average earning assets for the quarter that ended in Mar. 2024 was ¥10,703 Mil. Therefore, Shaanxi International Trust Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 3.99%.


Shaanxi International Trust Co Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Shaanxi International Trust Co'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.

Shaanxi International Trust Co Net Interest Margin (Bank Only) % Chart

Shaanxi International Trust Co Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.42 3.55 4.44 6.59 6.08

Shaanxi International Trust Co Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 5.48 6.14 4.91 6.59 3.99

Competitive Comparison of Shaanxi International Trust Co's Net Interest Margin (Bank Only) %

For the Asset Management subindustry, Shaanxi International Trust Co'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.


Shaanxi International Trust Co's Net Interest Margin (Bank Only) % Distribution in the Asset Management Industry

For the Asset Management industry and Financial Services sector, Shaanxi International Trust Co's Net Interest Margin (Bank Only) % distribution charts can be found below:

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



Shaanxi International Trust Co 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).

Shaanxi International Trust Co's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=626.187/( (10125.186 + 10483.741)/ 2 )
=626.187/10304.4635
=6.08 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=34.543 + 10090.643 + 0
=10125.186

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=745.296 + 9738.445 + 0
=10483.741

Shaanxi International Trust Co's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=426.596/( (10483.741 + 10922.436)/ 2 )
=426.596/10703.0885
=3.99 %

where

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=745.296 + 9738.445 + 0
=10483.741

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=505.741 + 10416.695 + 0
=10922.436

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


Shaanxi International Trust Co  (SZSE:000563) 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.


Shaanxi International Trust Co Net Interest Margin (Bank Only) % Related Terms

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Shaanxi International Trust Co (SZSE:000563) Business Description

Traded in Other Exchanges
N/A
Address
No.7, Science and Technology Road, High - tech Zone, Xi'an, Shanxi, CHN, 710075
Shaanxi International Trust Co Ltd engages in trust and financial businesses in China. The company is involved in trust activities, including finance trust business, equity investment trust business, and asset management trust business. It also invests in capital markets, money markets, credit markets, and long, medium, and short-term investments.
Executives
Xu Hai Bao Executives
Wang Xiao Fang Independent director

Shaanxi International Trust Co (SZSE:000563) Headlines

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