We believe that the net interest margin ( nim ) would be slightly reduced if the banks transfer their funds from the inter - bank market ( reduced by 0 . 1 % ) , investment securities ( by 0 . 16 % ) and loans to the central bank ( 0 . 4 % ) respectively 如果商业银行将资金从同业拆借市场、债券投资和贷款转移至央行,那么净息差将分别小幅降低0 . 1 % 、 0 . 16 %和0 . 4 % 。
Increasing competition within the banking system , brought about by banking reform , has also compressed margins , as seen in the recent lowering of the net interest margin , to less than 2 percentage points now , with implications for its profitability 此外,银行业改革令银行体系竞争加剧,亦促使息差受压:最近净息差一直下降,目前的水平不足2个百分点,这个情况会对银行盈利造成影响。
It finds out that the entry of foreign banks is negatively related with the before tax profit and overhead of domestic banks , while positively with net interest margin and non - loan income , and has bigger impact on stock holding commercial banks 结果发现,外资银行进入与国内银行的税前利润和管理费用负相关,而与净利息收益和非货款收益却正相关,且外资银行进入对股份制商业银行的冲击更大。
Given the general economic situation , manifested in the lack of prudent lending opportunities , and the associated compression of the net interest margin as a result of competition , the majority of banks are likely to be reporting significant falls in profits 在目前的经济状况下,银行缺乏符合审慎借贷原则的贷款机会,又因为竞争激烈令贷款净息差大幅收窄,因此可以想见大部分银行的盈利都会明显倒退。
With the normalisation of hong kong dollar interest rates eventually made possible by the three refinements to the operation of the linked exchange rate system , some banks have found it difficult to maintain a reasonable net interest margin on existing mortgages 随着金管局推出三项优化联系汇率制度运作的措施,使港元利率最终得以正常化,部分银行已发觉很难将现有按揭贷款的净息差维持在一个合理的水平上。
Net interest margin (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 similar to the gross margin of non-financial companies.
net interest marginとは意味:純利子差益 net interest margin meaning:[Business] noun [U,C] (abbr NIM ) ( Accounting ) the difference between the amount of interest paid on money borrowed and the amount of interest received from money that has been lent,...