The following data is given for tokeio bank.

Interest revenue from its loans $10.5 Billion, Security losses $150 Million, Allowance for the loan losses $ 800 Million

Interest expenses paid to attract the borrowed funds $4600 Million. The bank holds 101.500 Billion in the earning assets.

WHATIS ITS NIM? WHAT FACTORS CAN AFFECT THE NIM FAVORABLY OR UN FAVOURABLY