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FBC Holdings (XZIM:FBC.ZW) Net Interest Margin (Bank Only) % : 22.58% (As of Dec. 2023)


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What is FBC Holdings 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. FBC Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was ZWL352,624 Mil. FBC Holdings's average earning assets for the quarter that ended in Dec. 2023 was ZWL1,561,825 Mil. Therefore, FBC Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 22.58%.


FBC Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for FBC Holdings'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.

FBC Holdings Net Interest Margin (Bank Only) % Chart

FBC Holdings Annual Data
Trend Dec11 Dec12 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 20.22 16.63 34.23 123.32 27.58

FBC Holdings Semi-Annual Data
Jun11 Dec11 Jun12 Dec12 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23
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 55.11 96.14 194.41 15.07 22.58

Competitive Comparison of FBC Holdings's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, FBC Holdings'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.


FBC Holdings's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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



FBC Holdings 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).

FBC Holdings's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=239755.027/( (149660.349 + 1589110.045)/ 2 )
=239755.027/869385.197
=27.58 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 149660.349 + 0
=149660.349

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1589110.045 + 0
=1589110.045

FBC Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=352624.23/( (1534540.334 + 1589110.045)/ 2 )
=352624.23/1561825.1895
=22.58 %

where

Earning Assets(Q: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1534540.334 + 0
=1534540.334

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 1589110.045 + 0
=1589110.045

* 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 two times the semi-annual (Dec. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


FBC Holdings  (XZIM:FBC.ZW) 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.


FBC Holdings Net Interest Margin (Bank Only) % Related Terms

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FBC Holdings (XZIM:FBC.ZW) Business Description

Industry
Traded in Other Exchanges
N/A
Address
45 Nelson Mandela Avenue, 6th Floor, FBC Centre, P.O. Box 1227, Harare, ZWE
FBC Holdings Ltd is an investment holding company. The company through its subsidiaries operates its six segments namely Commercial banking, Microlending, Mortgage financing, Short-term reinsurance, Short-term insurance, and stockbroking. The commercial banking segment consists of dealing in the money and foreign exchange markets, retail, corporate and international banking, and corporate finance. The Mortgage financing segment consists of housing development, mortgage lending, savings deposit accounts, and other money market investment products. It earns maximum revenue from its commercial banking segment.

FBC Holdings (XZIM:FBC.ZW) Headlines

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