Net interest income

Heard in 1 episode across 1 show since Jul 2026

Net interest income (NII) is the difference between the revenues generated by a financial institution's interest-bearing assets and the cost of servicing its interest-burdened liabilities. For banks, these assets typically include commercial and personal loans, mortgages, and investment securities, while liabilities primarily consist of customer deposits. It serves as a key metric for evaluating a bank's core profitability and financial health.