If a bank has net-interest-margin (NIM) of 4% and return-on-assets (ROA) of 0% then: None of the answers. The bank is making good money since NIM is a key measure of bank profitability. The bank appears to be utilising its assets efficiently, since a high NIM implies a high asset utilisation (total revenue/total assets) rate. The bank is very profitable since a high NIM also implies a high return-onequity (ROE). The bank has ROE equal to zero