Q4 2014 U.S. Banking Review: Net Interest Margin

With the Fed discontinuing its asset purchase program in October, it has hinted at a possible increase in federal fund rates over the coming months. The should allow the net interest margin figures at banks to reverse this declining trend in the near future. But in the meantime, the NIM figures are likely to move erratically - especially for banks which rely more heavily on loans and deposits - as the low benchmark rates will continue to fuel faster growth in deposits than loans. This trend is g...