NII

Business & Finance abbreviation · Banking

NII
Stands forNet interest income
CategoriesBusiness & Finance

NII stands for Net interest income, a banking abbreviation.

Difference between the interest a bank earns on loans and securities and the interest it pays on deposits and other borrowings. It is the largest source of revenue for most commercial banks.

Example: Management raised its full-year NII guidance as loan growth picked up.

Usage notes

NII depends on interest rates, balance-sheet size and the mix of assets and funding, and banks disclose how it would change under rate-shock scenarios. Non-interest income, from fees and trading, is the other main revenue line. For insurers and funds, NII can instead mean net investment income.

More banking abbreviations

  • LDR – Loan-to-deposit ratio
  • LLP – Loan loss provision
  • LOC – Line of credit
  • MT103 – SWIFT MT103 message (single customer credit transfer)
  • NACHA – Nacha (formerly National Automated Clearing House Association)
  • NEFT – National Electronic Funds Transfer
  • NIM – Net interest margin
  • NPA – Non-performing asset
  • NPL – Non-performing loan
  • NSF – Non-sufficient funds
  • NSFR – Net stable funding ratio
  • OD – Overdraft

See all 80 banking abbreviations →

Edited by the AbbreviationList.com team. Spotted an error or a missing meaning? Contact us.