Bank Of Africa Senegal (XBRV:BOAS) Net Interest Margin (Bank Only) %: % (As of . 20)


XBRV:BOAS Bank Of Africa Senegal XBRV:BOAS
34 GF Score
Price XOF7,300.00
! 2 Warning Signs
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What is Bank Of Africa Senegal Net Interest Margin (Bank Only) %?

Bank Of Africa Senegal XBRV:BOAS 34 Net Interest Margin (Bank Only) % is % as of . 20. GuruFocus rates XBRV:BOAS with a GF Score™ of 34/100. The stock has 2 warning signs investors should review.

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. Bank Of Africa Senegal's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was XOF Mil. Bank Of Africa Senegal's average earning assets for the quarter that ended in . 20 was XOF Mil. Therefore, Bank Of Africa Senegal's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Bank Of Africa Senegal  (XBRV:BOAS) 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.


Bank Of Africa Senegal Net Interest Margin (Bank Only) % Related Terms


Bank Of Africa Senegal Net Interest Margin (Bank Only) % Historical Data

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The historical data trend for Bank Of Africa Senegal'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.

Bank Of Africa Senegal Net Interest Margin (Bank Only) % Chart

Bank Of Africa Senegal Annual Data
Trend
Net Interest Margin (Bank Only) %

Bank Of Africa Senegal Semi-Annual Data
Net Interest Margin (Bank Only) %

XBRV:BOAS vs : Net Interest Margin (Bank Only) % Comparison

For the Banks - Regional subindustry, Bank Of Africa Senegal'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.


Bank Of Africa Senegal Net Interest Margin (Bank Only) % vs Banks Industry

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

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


XBRV:BOAS
34GF Score
Bank Of Africa Senegal XBRV:BOAS
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Of Africa Senegal 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).

Bank Of Africa Senegal's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Bank Of Africa Senegal's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(Q: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: . 20 ) + Earning Assets (Q: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(Q: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

* 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 one times the annual (. 20) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of % mean?
Bank Of Africa Senegal (XBRV:BOAS) has a Net Interest Margin (Bank Only) % of % as of . 20. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Bank Of Africa Senegal and its competitors.
Is Bank Of Africa Senegal's Net Interest Margin (Bank Only) % too high?
Bank Of Africa Senegal's current Net Interest Margin (Bank Only) % is %. Overall, Bank Of Africa Senegal has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Bank Of Africa Senegal's Net Interest Margin (Bank Only) % compare to ?
Bank Of Africa Senegal's Net Interest Margin (Bank Only) % of % can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Bank Of Africa Senegal and its competitors. Bank Of Africa Senegal's current Net Interest Margin (Bank Only) % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Africa Senegal stock overvalued right now?
Bank Of Africa Senegal (XBRV:BOAS) has a current Net Interest Margin (Bank Only) % of %. The current Net Interest Margin (Bank Only) % is %. Bank Of Africa Senegal's overall GF Score™ is 34/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Bank Of Africa Senegal (XBRV:BOAS), the current Net Interest Margin (Bank Only) % is % as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Bank Of Africa Senegal Business Description

Comparable Companies
Address Route de Ngor, Zone 12, Elan Building, Quartier des Almadies, Dakar, SEN
Bank Of Africa Senegal operates as a bank. It offers services such as loans, saving and investment, insurance, money transfer, and others. It offers a rich and varied range of products, intended to cover as widely as possible the demands of its customers, both Individuals and Businesses.
34GF Score

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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

XOF7,300.00
Price