Interest income less interest expense.
(Bank Industries)—the difference between interest rates earned (on loans and other earning assets) and interest rates paid (on deposits and other sources of funds) divided by total value of earning assets.
Average net interest margin is the ratio of net interest income to average assets.
The ratio of net interest income to average assets, expressed as a percentage or in basis points.
Net interest income (the difference between interest income and interest expense) as a percentage of average total assets.
The difference between interest income and interest expenses, divided by average earning assets.
Net Interest Margin (NIM) is the name given to a resecuritization of existing residual interest(s) from transactions that are structured with excess spread. The NIM holders generally get first claim on all free excess spread (i.e., excess spread after losses and after building or replenishing OC), and many NIMs are additionally backed by other sources of cash flow such as prepayment penalty income.
