Sunday, 8 November 2026 Weekly snapshot · Not investment advice standard-equity.report
Banks
NII — Net Interest Income
Interest revenue minus interest expense. Core bank revenue.
Definition
Net interest income is what a bank earns on its loans minus what it pays on its deposits and other funding. The core revenue stream of a traditional banking business.
Formula
Interest Income − Interest Expense
Why it matters
NII makes up the majority of revenue at most traditional banks. Growth in NII reflects either balance sheet expansion (lending more) or NIM expansion (earning more on what's lent) — both are the core ways a bank franchise grows.
How Standard Equity uses it
Shown in the bank financial table (substituted for FCF margin). Drives the NII Growth metric.
The metric
| Category | Banks |
|---|---|
| Unit | $M |
| Applies to | Banks only |