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. MBSB Bhd's annualizedNet Interest Income (for Banks) for the quarter that ended in Mar. 2026 was RM56 Mil. MBSB Bhd's average earning assets for the quarter that ended in Mar. 2026 was RM43,404 Mil. Therefore, MBSB Bhd's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 0.13%.
MBSB Bhd (XKLS:1171) 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.
MBSB Bhd Net Interest Margin (Bank Only) % Related Terms
MBSB Bhd Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for MBSB Bhd'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.
XKLS:1171 vs PNC, USB: Net Interest Margin (Bank Only) % Comparison
For the Banks - Regional subindustry, MBSB Bhd'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.
MBSB Bhd Net Interest Margin (Bank Only) % vs Banks Industry
For the Banks industry and Financial Services sector, MBSB Bhd's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where MBSB Bhd's Net Interest Margin (Bank Only) % falls into.
MBSB Bhd 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).
MBSB Bhd's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
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. 2026) 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 0.13% mean?
MBSB Bhd (XKLS:1171) has a Net Interest Margin (Bank Only) % of 0.13% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on MBSB Bhd and its competitors.
Is MBSB Bhd's Net Interest Margin (Bank Only) % too high?
MBSB Bhd's current Net Interest Margin (Bank Only) % is 0.13%. Overall, MBSB Bhd has a GF Score™ of 45/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBSB Bhd's Net Interest Margin (Bank Only) % compare to PNC and USB?
MBSB Bhd's Net Interest Margin (Bank Only) % of 0.13% 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 MBSB Bhd and its competitors. MBSB Bhd's current Net Interest Margin (Bank Only) % is 0.13%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBSB Bhd stock overvalued right now?
Based on GuruFocus' analysis, MBSB Bhd (XKLS:1171) is currently considered Modestly Undervalued. The stock's GF Value™ is RM0.72, compared to a current price of RM0.65 — trading 10.4% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 0.13%. MBSB Bhd's overall GF Score™ is 45/100 with 5 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 MBSB Bhd (XKLS:1171), the current Net Interest Margin (Bank Only) % is 0.13% as of Mar. 2026. 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.
Is MBSB Bhd (XKLS:1171) Overvalued in 2026?
Based on GuruFocus' analysis, MBSB Bhd stock appears to be undervalued.
The current stock price of RM0.65 is trading 10.4% below its estimated GF Value™ of RM0.72.
GuruFocus considers MBSB Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:1171:
Net Interest Margin (Bank Only) %: 0.13%
GF Value™: RM0.72 vs. price of RM0.65 (10.4% below fair value)
No single metric tells the full story. See the XKLS:1171 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBSB Bhd is a Malaysia-based banking company. The company operates through the following segments: Consumer Banking, which includes consumer financing such as property financing, personal financing, and wealth management services with individual customers in Malaysia; Corporate Banking segment includes corporate financing, wholesale financing, contract financing and commercial property financing with business customers; Global Market segment includes saving accounts, current accounts, term deposits, investment accounts, treasury activities including money market, sukuk, derivatives and trading of capital market securities; Investment segment refers to the operations of investment banking, asset management and all other related financial services; and Others segment.
45GF Score
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