Spread income

Spread income

Also called margin income, the difference between income and cost. For a depository institution, the difference between the assets it invests in (loans and securities) and the cost of its funds (deposits and other sources).
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Offsetting these strengths are what Fitch considers to be a relatively narrow business model concentrated in spread income and reliant on continued strong loan growth to offset the negative earnings impacts of a shrinking covered loan portfolio.
When trying to spread income within the family, however, the person holding the winning ticket must be able to show there was an agreement or arrangement in place to share the prize before the winning number was picked; otherwise, it is only an attempt by the winner to shift some of the tax burden to others.
While spread income has declined during 1H16, and pressures are likely to persist in the face of rising market rates, the bank's profitability has remained satisfactory, aided also by sizeable non-recurring gains on real estate asset sales in 2015 and HY 2016.
Eighty percent of members from the Employers and Manufactures Association surveyed as part of a tax payment survey supported the idea of a system where they could spread income tax payments across 12 months.
We are not saying consumption-driven growth is bad but the widely spread income distribution should encourage local production.
Steinbrueck, who argues that Merkel has spread income inequality, wants higher taxes on the rich and a minimum wage of 8.
When done well, loan participations spread income making opportunities to the buyers and provide funds for the sellers to serve more members.
Although true for all banks, Fitch believes community banks will be disproportionately affected owing to the lack of revenue diversity and their reliance on spread income.
1 billion in the fourth quarter of 2012, compared to $912 million in the fourth quarter of 2011, as results were positively impacted by efforts to actively manage spread income.
The Philippines aims to chalk up an average of 7-8 percent annual growth from 2010 to 2016 in order to curb poverty and spread income growth opportunities to the countryside as part of its thrust for "inclusive growth.
We believe some of the fee growth actually represents cannibalization of spread income," UBS analyst Sarah Wu wrote in a note before the earnings.
Spread income is likely to head up but so would credit costs in our view, compared to our previous estimates.