Earnings Estimates

Net Interest Income After Loan Loss Provision represents net gains from loan operations over capital costs for the loans provided after considering expected Loan Loss Provision expenses. It is computed as Interest Income, Bank less Total Interest Expense less Loan Loss Provision.

Net Interest Margin, Total - % represents the Company level Net Interest Margin, as reported by the company. It shows the difference between interest income earned and the interest paid on borrowings by the bank, as a percentage of its earning assets.

Net Interest Spread, Total - % represents the Company level Net Interest Spread, as reported by the company. It shows the difference in the borrowing and lending rates of the bank.

Net Investment Income represents total earned investment income of an insurance company, reduced by investment expenses directly related to investing activities. However, the investment income is limited to earnings on capital such as interest income, dividend income, etc., and does not include Realized Gains (Losses) on sale or Unrealized Gains (Losses) on valuation of such investments.

Net Loans represents total loans to customers, reduced by possible default losses and unearned interest income. Reuters computes Net Loans by taking Total Gross Loans and subtracting:
Loan Loss Allowances
Unearned Interest.

Net Operating Income (NOI) represents the underlying profitability of the operating properties of the REIT/ Real Estate company. It is a non-GAAP measure that is generally equivalent to tenant revenues less labor and facility operating costs and management fees.

Net Outpatient Revenues represents the total billed value for the services provided by the hospital to its outpatients.

Sum of assets and liabilities for Post-Retirement plans.

Net Premiums Earned represents premiums earned proportionate to the amount of potential risks taken by a company.

Net Profit Margin represents Income Available to Common Excluding Extraordinary Items divided by Total Revenue.