What is a bank’s ‘Net Interest Margin’?
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The net interest margin (NIM) is the difference between the amount a bank earns in interest on loans and the amount it pays in interest on deposits. The net interest margin (NIM) is a measure of a bank’s profitability and growth. In 2018, the average NIM for US banks was 3.3 per cent. Since 1996, when the average was 4.3 per cent, the long-term trend has been decreasing.
Net interest margin (NIM) reveals the amount of money that a bank is earning in interest on loans compared to the amount it is paying in interest on deposits.