| 1. | The profitability of banks improved due to higher net interest income and income from fees and commissions
由于净息差上升及来自费用与佣金的收入增加，银行盈利改善。 |
| 2. | Put simply , this means that , for every 100 saved in a bank account in a year , the cost will be just 10 cents
倍的净息差占总资产的百分比，实在是微不足道。简单来说，每年银行户口内的每 |
| 3. | The overall net interest margin for 2000 widened , largely owing to relatively low funding costs , which helped to offset the contraction in lending margins
2000年的整体净息差扩阔，主要是因为资金成本相对偏低，有助抵销贷款息差收窄。 |
| 4. | So far , the effect of this on the overall net interest margin has been mitigated by the fact that ample liquidity has kept funding costs low
到目前为止，由于银行体系资金充裕令资金成本维持在低水平，所以贷款息差收窄对整体净息差的影响得到纾缓。 |
| 5. | But having to rely on a wide net interest margin is an indication of either high operating costs or inefficient intermediation of funds , or both
然而，如果银行要倚赖高水平的净息差来图利，不是因为营运成本过高，便是因为资金融通欠效率，甚至是两种情况同时存在。 |
| 6. | The net margin was also helped by the interest generated from treasury business and the widening of deposit margins arising from the shift from time to savings deposits
此外，来自资金管理业务的利息收入，以及客户存款由定期转移至储蓄存款令存款息差扩大，亦促使净息差扩阔。 |
| 7. | This is notwithstanding a continued compression in the net interest margin resulting from competition , which was partly offset by a continued increase in non - interest income
尽管市场竞争令银行净息差持续受压，但由于非利息收入持续增加，抵销了这方面的部分影响，从而使银行取得佳绩。 |
| 8. | Competition for banking assets , in particular mortgages , has been so severe in the past couple of years that there is not much room left for the net interest margin to be further compressed
这也属意料中事。过去几年银行争取按揭贷款等资产的激烈竞争，已经大大减低净息差进一步收窄的空间。 |
| 9. | Certainly , the net interest margin has been coming down under the pressure of competition and the efficiency of the banking system in financial intermediation has been on the rise , to the benefit of the economy
面对竞争压力，净息差一直收窄，银行体系的金融中介效率亦一直提高，这些无疑都对整体经济有利。 |
| 10. | The remuneration takes the form of the net interest margin , that is , at the risk of over simplifying it , the net difference between the deposit interest rates and the lending interest rates
作为中间人的银行既要承受风险，便理所当然收取净息差作为报酬，而简单来说，净息差就是存款利率与贷款利率之间的差距。 |
