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Aeon Thana Sinsap (Thailand) PCL (BKK:AEONTS) Net Interest Margin (Bank Only) % : 11.10% (As of Feb. 2024)


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What is Aeon Thana Sinsap (Thailand) PCL 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. Aeon Thana Sinsap (Thailand) PCL's annualized Net Interest Income (for Banks) for the quarter that ended in Feb. 2024 was ฿8,648 Mil. Aeon Thana Sinsap (Thailand) PCL's average earning assets for the quarter that ended in Feb. 2024 was ฿77,925 Mil. Therefore, Aeon Thana Sinsap (Thailand) PCL's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Feb. 2024 was 11.10%.


Aeon Thana Sinsap (Thailand) PCL Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Aeon Thana Sinsap (Thailand) PCL'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.

Aeon Thana Sinsap (Thailand) PCL Net Interest Margin (Bank Only) % Chart

Aeon Thana Sinsap (Thailand) PCL Annual Data
Trend Feb15 Feb16 Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.13 13.22 13.30 12.34 11.26

Aeon Thana Sinsap (Thailand) PCL Quarterly Data
May19 Aug19 Nov19 Feb20 May20 Aug20 Nov20 Feb21 May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24
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 11.43 11.40 11.33 10.92 11.10

Competitive Comparison of Aeon Thana Sinsap (Thailand) PCL's Net Interest Margin (Bank Only) %

For the Credit Services subindustry, Aeon Thana Sinsap (Thailand) PCL'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.


Aeon Thana Sinsap (Thailand) PCL's Net Interest Margin (Bank Only) % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Aeon Thana Sinsap (Thailand) PCL's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Aeon Thana Sinsap (Thailand) PCL's Net Interest Margin (Bank Only) % falls into.



Aeon Thana Sinsap (Thailand) PCL 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).

Aeon Thana Sinsap (Thailand) PCL's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Feb. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Feb. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Feb. 2023 ) + Earning Assets (A: Feb. 2024 ))/ count )
=8786.41/( (79033.428 + 77072.217)/ 2 )
=8786.41/78052.8225
=11.26 %

where

Earning Assets(A: Feb. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=144.216 + 78740.15 + 149.062
=79033.428

Earning Assets(A: Feb. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=38.275 + 76803.471 + 230.471
=77072.217

Aeon Thana Sinsap (Thailand) PCL's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Feb. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Feb. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Nov. 2023 ) + Earning Assets (Q: Feb. 2024 ))/ count )
=8647.84/( (78778.449 + 77072.217)/ 2 )
=8647.84/77925.333
=11.10 %

where

Earning Assets(Q: Nov. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=40.824 + 78588.563 + 149.062
=78778.449

Earning Assets(Q: Feb. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=38.275 + 76803.471 + 230.471
=77072.217

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


Aeon Thana Sinsap (Thailand) PCL  (BKK:AEONTS) 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.


Aeon Thana Sinsap (Thailand) PCL Net Interest Margin (Bank Only) % Related Terms

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Aeon Thana Sinsap (Thailand) PCL (BKK:AEONTS) Business Description

Traded in Other Exchanges
Address
Sukhumvit Road, 388, 27th Floor, Exchange Tower, Klongtoey, Bangkok, THA, 10110
Aeon Thana Sinsap (Thailand) PCL provides retail financial services including credit card issuance, hire-purchase loans, and other personal loans that collectively provide almost all the company's revenue. The company operates in two segments; Retail finance services and Other business. It generates maximum revenue from the Retail finance services segment.

Aeon Thana Sinsap (Thailand) PCL (BKK:AEONTS) Headlines

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