Slatinska Banka d.d (ZAG:SNBA) Net Interest Margin (Bank Only) %: % (As of . 20)


ZAG:SNBA Slatinska Banka d.d ZAG:SNBA
6 GF Score
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What is Slatinska Banka d.d Net Interest Margin (Bank Only) %?

Slatinska Banka d.d ZAG:SNBA 6 Net Interest Margin (Bank Only) % is % as of . 20. GuruFocus rates ZAG:SNBA with a GF Score™ of 6/100. The stock has 1 warning sign 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. Slatinska Banka d.d's annualized Net Interest Income (for Banks) for the quarter that ended in . 20 was € Mil. Slatinska Banka d.d's average earning assets for the quarter that ended in . 20 was € Mil. Therefore, Slatinska Banka d.d's annualized Net Interest Margin (Bank Only) % for the quarter that ended in . 20 was %.


Slatinska Banka d.d  (ZAG:SNBA) 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.


Slatinska Banka d.d Net Interest Margin (Bank Only) % Related Terms


Slatinska Banka d.d Net Interest Margin (Bank Only) % Historical Data

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The historical data trend for Slatinska Banka d.d'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.

Slatinska Banka d.d Net Interest Margin (Bank Only) % Chart

Slatinska Banka d.d Annual Data
Trend
Net Interest Margin (Bank Only) %

Slatinska Banka d.d Semi-Annual Data
Net Interest Margin (Bank Only) %

Slatinska Banka d.d Net Interest Margin (Bank Only) % Competitor Comparison

For the Banks - Regional subindustry, Slatinska Banka d.d'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.


Slatinska Banka d.d Net Interest Margin (Bank Only) % vs Banks Industry

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

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


ZAG:SNBA
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Slatinska Banka d.d ZAG:SNBA
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Slatinska Banka d.d 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).

Slatinska Banka d.d'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
= + +
=

Slatinska Banka d.d'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?
Slatinska Banka d.d (ZAG:SNBA) 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 Slatinska Banka d.d and its competitors.
Is Slatinska Banka d.d's Net Interest Margin (Bank Only) % too high?
Slatinska Banka d.d's current Net Interest Margin (Bank Only) % is %. Overall, Slatinska Banka d.d has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does Slatinska Banka d.d's Net Interest Margin (Bank Only) % compare to competitors?
Slatinska Banka d.d'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 Slatinska Banka d.d and its competitors. Slatinska Banka d.d'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 Slatinska Banka d.d stock overvalued right now?
Slatinska Banka d.d (ZAG:SNBA) has a current Net Interest Margin (Bank Only) % of %. The current Net Interest Margin (Bank Only) % is %. Slatinska Banka d.d's overall GF Score™ is 6/100 with 1 warning sign 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 Slatinska Banka d.d (ZAG:SNBA), 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.

Slatinska Banka d.d Business Description

Address Vladimira Nazor 2, Viroviticko-podravskoj County, Slatina, HRV, 33520
Slatinska Banka d.d operates in the banking industry in Croatia. The services offered by the company include online banking which includes internet banking and mobile banking, saving and current accounts, and cards.
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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.

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