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UniCredit Bank DD (XBLB:NBLB-R-B) Net Interest Margin (Bank Only) % : 4.51% (As of Dec. 2022)


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What is UniCredit Bank DD 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. UniCredit Bank DD's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2022 was BAM164.0 Mil. UniCredit Bank DD's average earning assets for the quarter that ended in Dec. 2022 was BAM3,637.1 Mil. Therefore, UniCredit Bank DD's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 was 4.51%.


UniCredit Bank DD Net Interest Margin (Bank Only) % Historical Data

The historical data trend for UniCredit Bank DD'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.

UniCredit Bank DD Net Interest Margin (Bank Only) % Chart

UniCredit Bank DD 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 4.53 4.03 3.61 3.84 5.36

UniCredit Bank DD Semi-Annual Data
Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Dec23
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 3.70 3.60 3.93 4.51 -

Competitive Comparison of UniCredit Bank DD's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, UniCredit Bank DD'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.


UniCredit Bank DD's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



UniCredit Bank DD 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).

UniCredit Bank DD'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 )
=213.494/( (4000.704 + 3960.476)/ 2 )
=213.494/3980.59
=5.36 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4000.704 + 0
=4000.704

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 3960.476 + 0
=3960.476

UniCredit Bank DD's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2022 ) + Earning Assets (Q: Dec. 2022 ))/ count )
=163.982/( (3273.534 + 4000.704)/ 2 )
=163.982/3637.119
=4.51 %

where

Earning Assets(Q: Jun. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 3273.534 + 0
=3273.534

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4000.704 + 0
=4000.704

* 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 two times the semi-annual (Dec. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


UniCredit Bank DD  (XBLB:NBLB-R-B) 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.


UniCredit Bank DD Net Interest Margin (Bank Only) % Related Terms

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UniCredit Bank DD (XBLB:NBLB-R-B) Business Description

Industry
Traded in Other Exchanges
N/A
Address
Kardinala Stepinca b.b, Mostar, BIH, 88000
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.

UniCredit Bank DD (XBLB:NBLB-R-B) Headlines

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