Ann: Integrated Risk Program and Goodwill Adjustment, page-24

https://www.ausbanking.org.au/insight/net-interest-margins-2001-21/

Over the past two decades (2001-2021), Australian bank industry Net Industry Margins (NIMs) have been in decline.
The NIM is one of the key indicators of bank profitability. It measures total interest received (i.e. by people paying interest on loans) minus total interest paid (i.e. by banks paying interest on deposits).

Over the past two decades (2001-2021), Australian bank industry Net Industry Margins (NIMs) have been in decline.
The NIM is one of the key indicators of bank profitability. It measures total interest received (i.e. by people paying interest on loans) minus total interest paid (i.e. by banks paying interest on deposits).



Well I would like to think that the NIM's are on the upward slide.

If anyone makes a profit from higher interest rates then it can only be the banks or the government. The depositors might get a few extra crumbs, what is left over goes to the shareholders.

Schofield, (1998) "Money is never burnt - it only changes hands"