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Narayani National Finance (XNEP:NNFC) Net Interest Margin (Bank Only) % : 18.50% (As of Apr. 2016)


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What is Narayani National Finance 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. Narayani National Finance's annualized Net Interest Income (for Banks) for the quarter that ended in Apr. 2016 was NPR1,155.5 Mil. Narayani National Finance's average earning assets for the quarter that ended in Apr. 2016 was NPR6,244.9 Mil. Therefore, Narayani National Finance's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Apr. 2016 was 18.50%.


Narayani National Finance Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Narayani National Finance'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.

Narayani National Finance Net Interest Margin (Bank Only) % Chart

Narayani National Finance Annual Data
Trend Jul09 Jul10 Jul11 Jul12 Jul13 Jul14 Jul15
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 7.90 7.48 7.48 6.92 6.77

Narayani National Finance Quarterly Data
Jul09 Jul10 Jul11 Jul12 Jan13 Apr13 Jul13 Oct13 Jan14 Apr14 Jul14 Oct14 Jan15 Apr15 Jul15 Oct15 Jan16 Apr16
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 17.32 7.99 5.42 7.01 18.50

Competitive Comparison of Narayani National Finance's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Narayani National Finance'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.


Narayani National Finance's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



Narayani National Finance 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).

Narayani National Finance's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jul. 2015 is calculated as

Net Interest Margin (Bank Only) %(A: Jul. 2015 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jul. 2014 ) + Earning Assets (A: Jul. 2015 ))/ count )
=336.336/( (4491.112 + 5441.809)/ 2 )
=336.336/4966.4605
=6.77 %

where

Earning Assets(A: Jul. 2014 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4491.112 + 0
=4491.112

Earning Assets(A: Jul. 2015 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5441.809 + 0
=5441.809

Narayani National Finance's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Apr. 2016 is calculated as

Net Interest Margin (Bank Only) %(Q: Apr. 2016 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jan. 2016 ) + Earning Assets (Q: Apr. 2016 ))/ count )
=1155.536/( (6066.254 + 6423.466)/ 2 )
=1155.536/6244.86
=18.50 %

where

Earning Assets(Q: Jan. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6066.254 + 0
=6066.254

Earning Assets(Q: Apr. 2016 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 6423.466 + 0
=6423.466

* 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 (Apr. 2016) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Narayani National Finance  (XNEP:NNFC) 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.


Narayani National Finance Net Interest Margin (Bank Only) % Related Terms

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Narayani National Finance Business Description

Traded in Other Exchanges
N/A
Address
Kalikasthan, Kathmandu, NPL
Narayani National Finance Ltd provides banking products and services. It offers products and services including deposits, loans, Internet banking, and remittance to individuals and corporates.

Narayani National Finance Headlines

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