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Supporting information:

G5 registered banks: Monthly aggregate ratios for interest income, expense and net interest margin


                                 
    Previous Years:   Monthly:
    Mar 2010   Mar 2011     Nov 2011   Dec 2011   Jan 2012   Feb 2012   Mar 2012
Registered bank ratios (%)                              
Interest income to interest-earning assets 1 5.92   6.12     5.76   5.74   5.75   5.78   5.83
Interest expense to interest-bearing liabilities 1 4.14   4.37     3.84   3.79   3.81   3.85   3.84
Net interest margin (NIM) 2 2.09   2.12     2.24   2.27   2.28   2.28   2.33
                               
Retail registered bank ratios (%)                              
Interest income to interest-earning assets 3 5.93   6.22     5.85   5.80   5.79   5.82   5.87
Interest expense to interest-bearing liabilities 3 4.25   4.40     3.94   3.88   3.88   3.91   3.91
Net interest margin (NIM) 3 2.01   2.19     2.25   2.26   2.25   2.27   2.32
                               
                                 
                                 
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 02 May 2012
Source: Reserve Bank of New Zealand