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Kiyo HoldingsInc. (TSE:8415) Net Interest Margin (Bank Only) % : 2.07% (As of Jun. 2013)


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What is Kiyo HoldingsInc. 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. Kiyo HoldingsInc.'s annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2013 was 円52,180 Mil. Kiyo HoldingsInc.'s average earning assets for the quarter that ended in Jun. 2013 was 円2,520,934 Mil. Therefore, Kiyo HoldingsInc.'s annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2013 was 2.07%.


Kiyo HoldingsInc. Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Kiyo HoldingsInc.'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.

Kiyo HoldingsInc. Net Interest Margin (Bank Only) % Chart

Kiyo HoldingsInc. Annual Data
Trend Mar09 Mar10 Mar11 Mar12
Net Interest Margin (Bank Only) %
2.27 2.15 2.14 2.10

Kiyo HoldingsInc. Quarterly Data
Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.02 - - 2.02 2.07

Competitive Comparison of Kiyo HoldingsInc.'s Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Kiyo HoldingsInc.'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.


Kiyo HoldingsInc.'s Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Kiyo HoldingsInc. 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).

Kiyo HoldingsInc.'s annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2012 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2012 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2011 ) + Earning Assets (A: Mar. 2012 ))/ count )
=52285/( (2467626 + 2509829)/ 2 )
=52285/2488727.5
=2.10 %

where

Earning Assets(A: Mar. 2011 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2467626 + 0
=2467626

Earning Assets(A: Mar. 2012 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2509829 + 0
=2509829

Kiyo HoldingsInc.'s annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2013 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2013 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2013 ) + Earning Assets (Q: Jun. 2013 ))/ count )
=52180/( (2548532 + 2493335)/ 2 )
=52180/2520933.5
=2.07 %

where

Earning Assets(Q: Mar. 2013 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2548532 + 0
=2548532

Earning Assets(Q: Jun. 2013 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 2493335 + 0
=2493335

* 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 (Jun. 2013) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Kiyo HoldingsInc.  (TSE:8415) 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.


Kiyo HoldingsInc. Net Interest Margin (Bank Only) % Related Terms

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Kiyo HoldingsInc. (TSE:8415) Business Description

Industry
Traded in Other Exchanges
N/A
Address
Kiyo Holdings, Inc. is a Japan-based holding company mainly engaged in financial services. Through its subsidiaries, the Company is involved in the banking business, in addition to the electronic calculation-related business, leasing, venture capital etc.

Kiyo HoldingsInc. (TSE:8415) Headlines

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