net interest margin

To understand bank profitability, it helps to understand the net interest margin. Banks are commodity businesses and small margin movements make a big difference. Big is always better in any commodity business

To understand bank profitability, it helps to understand the net interest margin. Banks are commodity businesses and small margin movements make a big difference. Big is always better in any commodity business

Kiwibank delivers healthy growth rate with housing lending rising

Kiwibank delivers healthy growth rate with housing lending rising

Big capital increase for SBS Bank as it seeks to continue growing lending faster than overall market growth

Big capital increase for SBS Bank as it seeks to continue growing lending faster than overall market growth

Squirrel's David Cunningham says ASB's high mortgage rates are hitting its market share and short-term profit from higher margins will come at the expense of longer-term profits

Squirrel's David Cunningham says ASB's high mortgage rates are hitting its market share and short-term profit from higher margins will come at the expense of longer-term profits

Commerce Commission's preliminary issues paper for its banking market study suggests evolutionary rather than revolutionary change

Commerce Commission's preliminary issues paper for its banking market study suggests evolutionary rather than revolutionary change

ANZ NZ's annual profit pushes above $1.9 billion helped by strong housing lending and lower loan provisions; 70% of total lending now housing lending

ANZ NZ's annual profit pushes above $1.9 billion helped by strong housing lending and lower loan provisions; 70% of total lending now housing lending

UBS analysts cook up a hypothetical net interest margin for buy now pay later juggernaut Afterpay on the back of its annual financial results

UBS analysts cook up a hypothetical net interest margin for buy now pay later juggernaut Afterpay on the back of its annual financial results

ASB's June year profit drops 25% as COVID-19 related loan provisioning ramps up, income falls and expenses rise

ASB's June year profit drops 25% as COVID-19 related loan provisioning ramps up, income falls and expenses rise

ASB interim profit drops 5% from last year's record high after bank books loss on sale of funds administration business Aegis

ASB interim profit drops 5% from last year's record high after bank books loss on sale of funds administration business Aegis

BNZ September year profit drops $7 million as expenses increase at more than twice the pace of income and loan impairments rise

BNZ September year profit drops $7 million as expenses increase at more than twice the pace of income and loan impairments rise

ANZ NZ annual profit falls 8% from last year's record high with costs up 5% and income up 3% as credit impairments rise

ANZ NZ annual profit falls 8% from last year's record high with costs up 5% and income up 3% as credit impairments rise

CEO Chris Flood says Heartland Bank's small size relative to competitors and high net interest margin gives him comfort the bank can continue to grow deposits

CEO Chris Flood says Heartland Bank's small size relative to competitors and high net interest margin gives him comfort the bank can continue to grow deposits

BNZ posts 12% increase in interim profit to $550 mln with income up and expenses & bad debts both falling. Parent NAB says BNZ may need to 'reprice and/or reduce' lending to meet RBNZ capital proposals

BNZ posts 12% increase in interim profit to $550 mln with income up and expenses & bad debts both falling. Parent NAB says BNZ may need to 'reprice and/or reduce' lending to meet RBNZ capital proposals

New Zealand's big five banks deliver a strong quarter's financial performance, but some banks would have work to do to meet RBNZ's capital proposals

New Zealand's big five banks deliver a strong quarter's financial performance, but some banks would have work to do to meet RBNZ's capital proposals

Kiwibank annual profit rebounds after last year's IT hit as net interest margin rises, disharmony between shareholders 'over a historical issue' bubbles to surface

Kiwibank annual profit rebounds after last year's IT hit as net interest margin rises, disharmony between shareholders 'over a historical issue' bubbles to surface