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Mebuki Financial Group (TSE:7167) Net Interest Margin (Bank Only) % : 1.30% (As of Sep. 2024)


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What is Mebuki Financial Group 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. Mebuki Financial Group's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2024 was 円165,464 Mil. Mebuki Financial Group's average earning assets for the quarter that ended in Sep. 2024 was 円12,773,993 Mil. Therefore, Mebuki Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2024 was 1.30%.


Mebuki Financial Group Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Mebuki Financial Group'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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Mebuki Financial Group Net Interest Margin (Bank Only) % Chart

Mebuki Financial Group Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.34 1.31 1.34 1.24 1.13

Mebuki Financial Group Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
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 1.09 1.18 1.07 1.14 1.30

Competitive Comparison of Mebuki Financial Group's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Mebuki Financial Group'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.


Mebuki Financial Group's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Mebuki Financial Group 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).

Mebuki Financial Group's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2023 ) + Earning Assets (A: Mar. 2024 ))/ count )
=140881/( (12371462 + 12665026)/ 2 )
=140881/12518244
=1.13 %

where

Earning Assets(A: Mar. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=3010 + 12368452 + 0
=12371462

Earning Assets(A: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=2824 + 12662202 + 0
=12665026

Mebuki Financial Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2024 ) + Earning Assets (Q: Sep. 2024 ))/ count )
=165464/( (0 + 12773993)/ 1 )
=165464/12773993
=1.30 %

where

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

Earning Assets(Q: Sep. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=2830 + 12771163 + 0
=12773993

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


Mebuki Financial Group  (TSE:7167) 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.


Mebuki Financial Group Net Interest Margin (Bank Only) % Related Terms

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Mebuki Financial Group Business Description

Traded in Other Exchanges
Address
1-25, Sakura 4-chome Utsunomiya, Utsunomiya, Tochigi, JPN, 320-8610
Mebuki Financial Group Inc is a Japan-based company, engages in the provision of banking and other financial services including credit card services in Japan. Its services include loans and bills discounted, deposits, other loans, and assets. It also engages in call money transactions in the short-term markets; and invests in securities primarily comprising bonds, as well as money markets. Its other services include foreign currency exchange and international remittances.

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