Source: https://mochatrade.com/learn/glossary/net-interest-income

# Net interest income
URL: https://mochatrade.com/learn/glossary/net-interest-income
Last modified: 2026-10-17

Net interest income is what a bank earns on the gap between what it pays depositors and what it charges borrowers. Higher rates lift it while making the bonds the bank already holds worth less, so [the bank results in October 2026](https://mochatrade.com/blog/mocha-markets-weekly-12-oct) tested both at once. [Rates come from the Fed](https://mochatrade.com/learn/us-market-structure/how-the-fed-moves-markets); [how results are read](https://mochatrade.com/learn/us-market-structure/us-earnings-explained).

## Related terms

- EBITDA: https://mochatrade.com/learn/glossary/ebitda
- P/E ratio: https://mochatrade.com/learn/glossary/p-e-ratio
- Revenue: https://mochatrade.com/learn/glossary/revenue
- Earnings season / earnings report: https://mochatrade.com/learn/glossary/earnings-season-earnings-report
- QQQ ETF: https://mochatrade.com/learn/glossary/qqq-etf
- Dividend aristocrats: https://mochatrade.com/learn/glossary/dividend-aristocrats