Net interest income is what a bank earns on loans and securities minus what it pays on deposits and other borrowing. Split it by the bank's earning assets and you get the net interest margin. For most banks it is the single largest line of revenue.
净利息收入 —— 银行在贷款和证券上收到的利
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| — | Wall Street banks face an earnings test after a $270 billion slide 净利息收入 —— 银行在贷款和证券上收到的利 · 第 2 张术语卡 | The whole quarter turns on whether higher-for-longer rates expand this line or squeeze it — the question the six reports are meant to answer. 关键在于「重新定价的速度差」：贷款往往按浮动利率或几年内的短周期重定价，存款的利率变动则取决于银行自己愿不愿意调、以及客户会不会跑。资产端先涨、负债端后涨，净息差就扩大；反过来就是压缩。分析银行财报时，除了看净利息收入总额，还要看「存款成本率」和「生息资产收益率」两个分项 —— 三个数字一起看，才知道利差是被资产端撑起来的还是被负债端吃掉的。 |