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Supporting information:

G4 registered banks: Quarterly aggregate ratios for interest income, interest expenses and net interest margin


                             
    Previous Years:   Quarterly:
    Dec 2009   Dec 2010     Mar 2011   Jun 2011   Sep 2011   Dec 2011
Registered banks                          
Interest income to interest-earning assets (%) 1 5.78   6.24     6.04   5.87   5.99   5.84
Interest expense to interest-bearing liabilities (%) 1 4.11   4.36     4.31   3.87   4.07   3.89
Net interest margin (NIM) (%) 2 2.03   2.24     2.09   2.33   2.26   2.28
                           
Retail registered banks                          
Interest income to interest-earning assets (%) 3 5.83   6.25     6.13   5.91   6.11   5.91
Interest expense to interest-bearing liabilities (%) 3 4.20   4.46     4.34   4.01   4.14   3.97
Net interest margin (NIM) (%) 3 2.00   2.16     2.16   2.25   2.32   2.28
                           
                             
                             
1 Ratios are calculated using the latest three months data and are then annualised. See series descriptions for further information.
2 Net interest margin is calculated by dividing net interest income by average interest-bearing assets using the latest three months data and are then annualised. See series descriptions for further information.
3 Retail banks are locally-incorporated banks (including their banking groups where applicable) with a significant proportion of both assets and liabilities with the household sector as a counterparty. For the ratios (%) see also footnote 1 and 2 for the NIM. See series descriptions for a list of the retail registered banks.
                             
Last updated 18 April 2012
Source: Reserve Bank of New Zealand