Work out net interest income instantly with clear inputs, formula shown and shareable results.
Net interest income is the money a bank keeps from lending after paying for its funding, and it usually supplies the bulk of revenue. Tracking it against the prior period shows whether volume growth is outrunning margin compression.
Net interest income
NII = interest income - interest expense
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Because funding costs can rise faster than asset yields, compressing margin even on a larger book.
No. This is an absolute amount; margin expresses it as a percentage of earning assets.