Fixed Interest Margin

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• Interest rate risk — is the risk (variability in value) borne by an interest bearing asset, such as a loan or a bond, due to variability of interest rates. In general, as rates rise, the price of a fixed rate bond will fall, and vice versa. Interest rate risk is… …   Wikipedia

• Fixed-Period ARM — An adjustable rate mortgage (ARM) with an initial fixed interest rate period. After the fixed interest rate expires, the interest rate starts to adjust based on an index plus a margin.  The amount by which the interest rate can… …   Investment dictionary

• Interest coverage ratio —   The number of times that fixed interest charges were earned. It indicates the margin of safety of interest on fixed debt. The times interest earned ratio is calculated using net income before and after income taxes; and the credits of interest… …   Energy terms

• interest rate — n. The percentage used to calculate interest due on a loan. The Essential Law Dictionary. Sphinx Publishing, An imprint of Sourcebooks, Inc. Amy Hackney Blackwell. 2008. interest rate …   Law dictionary

• interest period — USA Period of time chosen by a borrower under a loan agreement over which the floating interest rate, such as LIBOR, is fixed. Typically the interest periods are one, two, three or six months. Related terms applicable margin base rate …   Law dictionary

• Margin (finance) — For the 2011 film, see Margin Call. In finance, a margin is collateral that the holder of a financial instrument has to deposit to cover some or all of the credit risk of their counterparty (most often their broker or an exchange). This risk can… …   Wikipedia

• Fixed rate mortgage — A fixed rate mortgage (FRM) is a mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may adjust or float. Other forms of mortgage loan include interest only… …   Wikipedia

• Net interest income — (NII) is the difference between revenues generated by interest bearing assets and the cost of servicing (interest burdened) liabilities. For banks, the assets typically include commercial and personal loans, mortgages, construction loans and… …   Wikipedia

• Net Interest Income — All firms can divide the balance sheet into assets and liabilities. For banks the assets are commercial and personal loans, mortgages, construction loans and securities. The liabilities are deposits from customers. The net interest income (NII)… …   Wikipedia

• Operating margin — In business, operating margin, operating income margin, operating profit margin or return on sales (ROS) is the ratio of operating income (operating profit in the UK) divided by net sales, usually presented in percent. Net profit measures the… …   Wikipedia

• Floating interest rate — A floating interest rate, also known as a variable rate or adjustable rate, refers to any type debt instrument, such as a loan, bond, mortgage, or credit, that does not have a fixed rate of interest over the life of the instrument. Such debt… …   Wikipedia