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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 2010   Dec 2011     Mar 2012   Jun 2012   Sep 2012   Dec 2012
Registered banks                          
Interest income to interest-earning assets (%) 1 6.24   5.84     5.79   5.74   5.68   5.62
Interest expense to interest-bearing liabilities (%) 1 4.36   3.91     3.84   3.82   3.79   3.75
Net interest margin (NIM) (%) 2 2.24   2.27     2.31   2.27   2.26   2.25
                           
Retail registered banks                          
Interest income to interest-earning assets (%) 3 6.25   5.90     5.84   5.81   5.75   5.70
Interest expense to interest-bearing liabilities (%) 3 4.46   3.99     3.91   3.89   3.86   3.83
Net interest margin (NIM) (%) 3 2.16   2.26     2.30   2.29   2.27   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 19 April 2013
Source: Reserve Bank of New Zealand