{"id":26110,"date":"2013-05-18T13:22:05","date_gmt":"2013-05-18T07:52:05","guid":{"rendered":"http:\/\/vskills.in\/certification\/tutorial\/?p=26110"},"modified":"2024-04-12T14:18:33","modified_gmt":"2024-04-12T08:48:33","slug":"net-interest-income-2","status":"publish","type":"page","link":"https:\/\/www.vskills.in\/certification\/tutorial\/net-interest-income-2\/","title":{"rendered":"Net Interest Income"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a ref=\"magnificPopup\" href=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Principles-of-compensation-formulation-5-1.png\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"400\" src=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Principles-of-compensation-formulation-5-1.png\" alt=\"Net Interest Income\" class=\"wp-image-100561\" srcset=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Principles-of-compensation-formulation-5-1.png 750w, https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Principles-of-compensation-formulation-5-1-300x160.png 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/figure><\/div>\n\n\n<p>\u00a0<\/p>\n<p>Net interest income is a\u00a0financial performance benchmark that shows the distinction between the revenue generated from a bank&#8217;s interest-bearing assets and expenses connected with paying on its interest-bearing liabilities. The net interest revenue of some banks is more sensitive to changes in interest rates\u00a0than others. This can vary according to several factors, such as the type of assets and liabilities that are held as well as if those assets and liabilities have\u00a0fixed rates\u00a0or\u00a0variable rates. Banks with variable rate assets and liabilities will be more sensitive to changes in interest rates than those with fixed-rate assets and liabilities.<\/p>\n<p>Net interest revenue is the difference between interest income and interest expense. It is the principal determinant of the profitability of banks. Net interest income is determined by interest rates on assets and paid for funds, the volume of funds, and mix of funds (portfolio).<\/p>\n<p>The type of assets earning interest for the bank can vary greatly from mortgages to auto loans, personal loans, and commercial real estate loans. This will ultimately affect the interest rate a bank earns on its assets and the resulting net interest income after subtracting interest paid out to depositors. Moreover, loans of the same type can carry fixed rates or variables rates. This is most often seen with mortgages as banks offer fixed-rate and adjustable-rate mortgages.<\/p>\n<div class=\"apply\">\n<h5>Apply for Commercial Banker Certification Now!!<\/h5>\n<p><a href=\"http:\/\/www.vskills.in\/certification\/Certified-Commercial-Banker\" target=\"_blank\" rel=\"noopener\">http:\/\/www.vskills.in\/certification\/Certified-Commercial-Banker<\/a><\/p>\n<\/div>\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.vskills.in\/practice\/commercial-banking\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"961\" height=\"150\" src=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1-4.png\" alt=\"\" class=\"wp-image-100530\" srcset=\"https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1-4.png 961w, https:\/\/www.vskills.in\/certification\/tutorial\/wp-content\/uploads\/2021\/01\/Try-Free-Practice-Test-for-CyberOps-Associate-200-201-CBROPS-2-1-4-300x47.png 300w\" sizes=\"auto, (max-width: 961px) 100vw, 961px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><a href=\"https:\/\/www.vskills.in\/certification\/tutorial\/certified-commercial-banker-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Go back to Tutorial<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Net interest income is a\u00a0financial performance benchmark that shows the distinction between the revenue generated from a bank&#8217;s interest-bearing assets and expenses connected with paying on its interest-bearing liabilities. The net interest revenue of some banks is more sensitive to changes in interest rates\u00a0than others. This can vary according to several factors, such as&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[3342],"tags":[9763,9766,9764,9765,9767,3423],"class_list":["post-26110","page","type-page","status-publish","hentry","category-commercial-banking","tag-certified-commercial-banker","tag-certified-commercial-banker-course-outline","tag-certified-commercial-banker-exam-details","tag-certified-commercial-banker-free-practice-test","tag-certified-commercial-banker-tutorial","tag-net-interest-income"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Net Interest Income - Tutorial<\/title>\n<meta name=\"description\" content=\"Net Interest Income. 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