{"id":82911,"date":"2022-09-11T20:23:25","date_gmt":"2022-09-11T13:23:25","guid":{"rendered":"http:\/\/httl.com.vn\/wiki\/interest-income-la-gi\/"},"modified":"2022-09-11T20:23:25","modified_gmt":"2022-09-11T13:23:25","slug":"interest-income-la-gi","status":"publish","type":"post","link":"https:\/\/httl.com.vn\/wiki\/interest-income-la-gi\/","title":{"rendered":"Net Interest Income (NII): Formula and Calculator [Excel Template]"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/wsp-blog-images.s3.amazonaws.com\/uploads\/2022\/04\/07203547\/Net-Interest-Income-Formula-960x300.jpg\" alt=\"Net Interest Income (NII)\" title=\"\"><\/p>\n<h2> c\u00f4ng th\u1ee9c thu nh\u1eadp l\u00e3i r\u00f2ng (nii) <\/h2>\n<p> Thu nh\u1eadp l\u00e3i r\u00f2ng l\u00e0 th\u01b0\u1edbc \u0111o kh\u1ea3 n\u0103ng sinh l\u1eddi th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1ea5t trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, v\u00ed d\u1ee5: ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c cho vay. <\/p>\n<p> C\u00f4ng th\u1ee9c t\u00ednh ch\u1ec9 s\u1ed1 thu nh\u1eadp tr\u1eeb chi ph\u00ed l\u00e3i vay c\u1ee7a b\u1ea1n kh\u1ecfi thu nh\u1eadp l\u00e3i. <\/p>\n<ul>\n<li> <strong> thu nh\u1eadp t\u1eeb l\u00e3i su\u1ea5t <\/strong>: ti\u1ec1n l\u00e3i thu \u0111\u01b0\u1ee3c t\u1eeb danh m\u1ee5c cho vay ch\u01b0a thanh to\u00e1n c\u1ee7a ng\u00e2n h\u00e0ng (&#8220;d\u00f2ng ti\u1ec1n&#8221;). <\/li>\n<li> <strong> chi ph\u00ed l\u00e3i vay <\/strong>: l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng tr\u1ea3 cho c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng ch\u01b0a thanh to\u00e1n (&#8220;r\u00fat ti\u1ec1n m\u1eb7t&#8221;). <\/li>\n<\/ul>\n<h6> c\u00f4ng th\u1ee9c thu nh\u1eadp l\u00e3i r\u00f2ng <\/h6>\n<ul>\n<li> thu nh\u1eadp l\u00e3i r\u00f2ng = thu nh\u1eadp l\u00e3i &#8211; chi ph\u00ed l\u00e3i vay <\/li>\n<\/ul>\n<p> M\u00f4 h\u00ecnh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng d\u1ef1a tr\u00ean vi\u1ec7c c\u1ea5u tr\u00fac c\u00e1c kho\u1ea3n vay cho ng\u01b0\u1eddi vay c\u00e1 nh\u00e2n ho\u1eb7c doanh nghi\u1ec7p \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y c\u00e1c kho\u1ea3n thanh to\u00e1n l\u00e3i su\u1ea5t th\u01b0\u1eddng xuy\u00ean cho \u0111\u1ebfn khi \u0111\u00e1o h\u1ea1n. <\/p>\n<p> khi \u0111\u00e1o h\u1ea1n, ng\u01b0\u1eddi \u0111i vay c\u00f3 ngh\u0129a v\u1ee5 ho\u00e0n tr\u1ea3 s\u1ed1 ti\u1ec1n ban \u0111\u1ea7u cho ng\u01b0\u1eddi cho vay, bao g\u1ed3m t\u1ea5t c\u1ea3 l\u00e3i ph\u00e1t sinh, n\u1ebfu c\u00f3 (t\u1ee9c l\u00e0 l\u00e3i tr\u1ea3 b\u1eb1ng hi\u1ec7n v\u1eadt). <\/p>\n<p> Trong danh m\u1ee5c cho vay, t\u00e0i s\u1ea3n ch\u1ecbu l\u00e3i ch\u1ee7 y\u1ebfu bao g\u1ed3m c\u00e1c kho\u1ea3n cho vay, th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh kh\u00e1c. <\/p>\n<p> M\u1eb7t kh\u00e1c, n\u1ee3 ph\u1ea3i tr\u1ea3 l\u00e3i c\u1ee7a ng\u00e2n h\u00e0ng bao g\u1ed3m ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng, c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n vay t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c. <\/p>\n<h2> c\u00f4ng th\u1ee9c bi\u00ean l\u00e3i r\u00f2ng <\/h2>\n<p> N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh kh\u1ea3 n\u0103ng sinh l\u1eddi c\u1ee7a ng\u00e2n h\u00e0ng v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u00f9ng ng\u00e0nh, th\u00ec thu nh\u1eadp l\u00e3i r\u00f2ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chia cho gi\u00e1 tr\u1ecb trung b\u00ecnh c\u1ee7a t\u00e0i s\u1ea3n sinh l\u00e3i c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00f3. <\/p>\n<p> T\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m k\u1ebft qu\u1ea3 l\u00e0 &#8220;Bi\u00ean l\u00e3i r\u00f2ng&#8221;, \u0111\u01b0\u1ee3c ti\u00eau chu\u1ea9n h\u00f3a v\u00e0 ph\u00f9 h\u1ee3p h\u01a1n \u0111\u1ec3 so s\u00e1nh gi\u1eefa c\u00e1c n\u0103m tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec3 so s\u00e1nh v\u1edbi c\u00e1c c\u00f4ng ty c\u00f9ng ng\u00e0nh. <\/p>\n<h6> c\u00f4ng th\u1ee9c bi\u00ean l\u00e3i r\u00f2ng <\/h6>\n<ul>\n<li> bi\u00ean l\u00e3i r\u00f2ng = thu nh\u1eadp l\u00e3i r\u00f2ng \/ danh m\u1ee5c cho vay trung b\u00ecnh <\/li>\n<\/ul>\n<h2> m\u00e1y t\u00ednh thu nh\u1eadp l\u00e3i r\u00f2ng: m\u1eabu excel <\/h2>\n<p> B\u00e2y gi\u1edd ch\u00fang ta s\u1ebd chuy\u1ec3n sang b\u00e0i t\u1eadp l\u1eadp m\u00f4 h\u00ecnh m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 truy c\u1eadp b\u1eb1ng c\u00e1ch \u0111i\u1ec1n v\u00e0o bi\u1ec3u m\u1eabu b\u00ean d\u01b0\u1edbi. <\/p>\n<h2> v\u00ed d\u1ee5 t\u00ednh to\u00e1n thu nh\u1eadp l\u00e3i r\u00f2ng (nii) <\/h2>\n<p> Gi\u1ea3 s\u1eed ch\u00fang ta c\u00f3 m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 danh m\u1ee5c cho vay ch\u01b0a thanh to\u00e1n trung b\u00ecnh l\u00e0 600 tri\u1ec7u \u0111\u00f4 la. <\/p>\n<p> &#8220;trung b\u00ecnh&#8221; \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng t\u1ed5ng gi\u00e1 tr\u1ecb \u0111\u1ea7u k\u1ef3 v\u00e0 cu\u1ed1i k\u1ef3 c\u1ee7a d\u01b0 n\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng, chia cho hai. <\/p>\n<p> L\u00e3i su\u1ea5t trung b\u00ecnh cho c\u00e1c kho\u1ea3n vay s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3 \u0111\u1ecbnh l\u00e0 4,0% cho \u0111\u01a1n gi\u1ea3n. <\/p>\n<ul>\n<li> danh m\u1ee5c cho vay = 600 tri\u1ec7u \u0111\u00f4 la <\/li>\n<li> l\u00e3i su\u1ea5t = 4,0% <\/li>\n<\/ul>\n<p> \u0110\u1ed1i v\u1edbi ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng, gi\u00e1 tr\u1ecb trung b\u00ecnh l\u00e0 200 tri\u1ec7u \u0111\u00f4 la v\u00e0 l\u00e3i su\u1ea5t \u00e1p d\u1ee5ng l\u00e0 1,0%. <\/p>\n<ul>\n<li> danh m\u1ee5c cho vay = 400 tri\u1ec7u \u0111\u00f4 la <\/li>\n<li> l\u00e3i su\u1ea5t = 1,0% <\/li>\n<\/ul>\n<p> S\u1eed d\u1ee5ng c\u00e1c gi\u1ea3 \u0111\u1ecbnh \u0111\u00f3, ch\u00fang t\u00f4i c\u00f3 th\u1ec3 t\u00ednh thu nh\u1eadp l\u00e3i c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 24 tri\u1ec7u \u0111\u00f4 la v\u00e0 chi ph\u00ed l\u00e3i vay c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 4 tri\u1ec7u \u0111\u00f4 la. <\/p>\n<ul>\n<li> thu nh\u1eadp l\u00e3i = 600 tri\u1ec7u \u0111\u00f4 la * 4,0% = 24 tri\u1ec7u \u0111\u00f4 la <\/li>\n<li> chi ph\u00ed l\u00e3i vay = 400 tri\u1ec7u \u0111\u00f4 la * 1,0% = 4 tri\u1ec7u \u0111\u00f4 la <\/li>\n<\/ul>\n<p> Ch\u00eanh l\u1ec7ch gi\u1eefa thu nh\u1eadp l\u00e3i v\u00e0 chi ph\u00ed l\u00e3i vay c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 20 tri\u1ec7u \u0111\u00f4 la, th\u1ec3 hi\u1ec7n thu nh\u1eadp l\u00e3i r\u00f2ng c\u1ee7a ng\u00e2n h\u00e0ng trong n\u0103m hi\u1ec7n t\u1ea1i. <\/p>\n<ul>\n<li> thu nh\u1eadp l\u00e3i r\u00f2ng = $ 24 tri\u1ec7u &#8211; $ 4 tri\u1ec7u = $ 20 tri\u1ec7u <\/li>\n<\/ul>\n<p><img decoding=\"async\" src=\"https:\/\/wsp-blog-images.s3.amazonaws.com\/uploads\/2022\/04\/07203547\/Net-Interest-Income-Formula-450x141.jpg\" alt=\"Net Interest Income Calculator\" title=\"\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>c\u00f4ng th\u1ee9c thu nh\u1eadp l\u00e3i r\u00f2ng (nii) Thu nh\u1eadp l\u00e3i r\u00f2ng l\u00e0 th\u01b0\u1edbc \u0111o kh\u1ea3 n\u0103ng sinh l\u1eddi th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u1ea5t trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, v\u00ed d\u1ee5: ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c cho vay. C\u00f4ng th\u1ee9c t\u00ednh ch\u1ec9 s\u1ed1 thu nh\u1eadp tr\u1eeb chi ph\u00ed l\u00e3i vay c\u1ee7a b\u1ea1n kh\u1ecfi thu nh\u1eadp l\u00e3i&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":82912,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"_links":{"self":[{"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/posts\/82911"}],"collection":[{"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/comments?post=82911"}],"version-history":[{"count":0,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/posts\/82911\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/media\/82912"}],"wp:attachment":[{"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/media?parent=82911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/categories?post=82911"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/httl.com.vn\/wiki\/wp-json\/wp\/v2\/tags?post=82911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}