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Kalika Laghubitta Bittiyanstha (XNEP:KMCDB) Net Interest Margin (Bank Only) % : 8.16% (As of Oct. 2024)


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What is Kalika Laghubitta Bittiyanstha 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. Kalika Laghubitta Bittiyanstha's annualized Net Interest Income (for Banks) for the quarter that ended in Oct. 2024 was NPR331.6 Mil. Kalika Laghubitta Bittiyanstha's average earning assets for the quarter that ended in Oct. 2024 was NPR4,065.5 Mil. Therefore, Kalika Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Oct. 2024 was 8.16%.


Kalika Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Kalika Laghubitta Bittiyanstha'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.

Kalika Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Chart

Kalika Laghubitta Bittiyanstha Annual Data
Trend Jul14 Jul15 Jul16 Jul17 Jul18 Jul20 Jul21 Jul22 Jul23 Jul24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.53 11.18 9.16 6.91 6.72

Kalika Laghubitta Bittiyanstha Quarterly Data
Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24
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 6.67 5.84 6.86 7.76 8.16

Competitive Comparison of Kalika Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Kalika Laghubitta Bittiyanstha'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.


Kalika Laghubitta Bittiyanstha's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Kalika Laghubitta Bittiyanstha 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).

Kalika Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jul. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Jul. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jul. 2023 ) + Earning Assets (A: Jul. 2024 ))/ count )
=253.518/( (3696.535 + 3851.648)/ 2 )
=253.518/3774.0915
=6.72 %

where

Earning Assets(A: Jul. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 3696.535 + 0
=3696.535

Earning Assets(A: Jul. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 3851.648 + 0
=3851.648

Kalika Laghubitta Bittiyanstha's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Oct. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Oct. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jul. 2024 ) + Earning Assets (Q: Oct. 2024 ))/ count )
=331.592/( (3851.648 + 4279.3)/ 2 )
=331.592/4065.474
=8.16 %

where

Earning Assets(Q: Jul. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 3851.648 + 0
=3851.648

Earning Assets(Q: Oct. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4279.3 + 0
=4279.3

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


Kalika Laghubitta Bittiyanstha  (XNEP:KMCDB) 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.


Kalika Laghubitta Bittiyanstha Net Interest Margin (Bank Only) % Related Terms

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Kalika Laghubitta Bittiyanstha Business Description

Traded in Other Exchanges
N/A
Address
Buddhachowk, Pokhara-10, Kaski, NPL
Kalika Laghubitta Bittiya Sanstha Ltd is a licensed bank in Nepal. It provides retail microfinance service to the economically and socially disadvantaged and deprived people. It offers saving products including compulsory saving, personal saving, pension saving, festival saving and optional saving. It also offers loan products including general loan, collateral loan, emergency loan, micro-entrepreneur loan and group agricultural loan.

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