Sunday, 8 November 2026 Weekly snapshot · Not investment advice standard-equity.report
Growth
NII Growth
Year-over-year change in Net Interest Income. Bank-specific.
Definition
NII growth is the year-over-year percentage change in a bank's net interest income — its core revenue stream from lending. The bank-sector equivalent of revenue growth.
Formula
(NII this period − NII prior period) ÷ NII prior period × 100
Why it matters
NII growth captures both balance-sheet expansion (lending more) and net interest margin expansion (earning more on what's lent). It's the cleanest growth metric for assessing a bank's underlying franchise growth, separate from non-interest fee businesses.
How Standard Equity uses it
Substituted for FCF/NI ratio in bank reports — a bank's FCF is not meaningful in the conventional sense, but NII growth tells you what you actually want to know about a bank's trajectory.
The metric
| Category | Growth |
|---|---|
| Unit | % |
| Applies to | Banks only |