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Hong Leong Bank Bhd (XKLS:5819) Net Interest Margin (Bank Only) % : 2.53% (As of Mar. 2024)


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What is Hong Leong Bank Bhd 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. Hong Leong Bank Bhd's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was RM3,876 Mil. Hong Leong Bank Bhd's average earning assets for the quarter that ended in Mar. 2024 was RM152,983 Mil. Therefore, Hong Leong Bank Bhd's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 2.53%.


Hong Leong Bank Bhd Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Hong Leong Bank 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.

* Premium members only.

Hong Leong Bank Bhd Net Interest Margin (Bank Only) % Chart

Hong Leong Bank Bhd Annual Data
Trend Jun14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.62 2.43 2.82 2.84 2.58

Hong Leong Bank Bhd Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 2.39 2.46 2.48 2.52 2.53

Competitive Comparison of Hong Leong Bank Bhd's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Hong Leong Bank 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.


Hong Leong Bank Bhd's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

* The bar in red indicates where Hong Leong Bank Bhd's Net Interest Margin (Bank Only) % falls into.



Hong Leong Bank 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).

Hong Leong Bank Bhd's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2022 ) + Earning Assets (A: Jun. 2023 ))/ count )
=3684.085/( (137439.98 + 148439.595)/ 2 )
=3684.085/142939.7875
=2.58 %

where

Earning Assets(A: Jun. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 137439.98 + 0
=137439.98

Earning Assets(A: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 148439.595 + 0
=148439.595

Hong Leong Bank Bhd's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=3876.128/( (152010.148 + 153955.756)/ 2 )
=3876.128/152982.952
=2.53 %

where

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=199.817 + 151810.331 + 0
=152010.148

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=199.138 + 153756.618 + 0
=153955.756

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


Hong Leong Bank Bhd  (XKLS:5819) 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.


Hong Leong Bank Bhd Net Interest Margin (Bank Only) % Related Terms

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Hong Leong Bank Bhd (XKLS:5819) Business Description

Industry
Traded in Other Exchanges
N/A
Address
No.6, Jalan Damanlela, Level 30, Menara Hong Leong, Bukit, Damansara, Kuala Lumpur, MYS, 50490
Hong Leong Bank Bhd is based primarily in Malaysia with a regional presence in other Southeast Asian countries, Hong Kong, and mainland China. The bank's strategy emphasizes technology while offering diverse financial products to its Islamic target base. Its services include personal financial services, business, and corporate banking, trade finance, treasury, branch and transaction banking, wealth management, investment banking, and Islamic financial services. A majority of the bank's earning assets are loans, advances, and financing. Net interest income constitutes the bulk of the bank's income generation. Most of its revenue is derived from personal financial services.

Hong Leong Bank Bhd (XKLS:5819) Headlines

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