{"id":2922,"date":"2015-02-27T22:35:03","date_gmt":"2015-02-27T22:35:03","guid":{"rendered":"http:\/\/www.kunnskap.de\/?page_id=2922"},"modified":"2022-08-09T09:22:43","modified_gmt":"2022-08-09T07:22:43","slug":"zinsuberschuss","status":"publish","type":"page","link":"https:\/\/prudentwater.com\/en\/zinsuberschuss\/","title":{"rendered":"Zins\u00fcberschuss"},"content":{"rendered":"<p>Der Zins\u00fcberschuss einer Bank ist der Differenzbetrag zwischen Zinsertrag und Zinsaufwendung. Der Zins\u00fcberschuss ist die Haupteinnahmequelle eines Kreditinstitutes. Den Zinsertrag generieren Banken durch die Vergabe von Krediten. Der Zinsaufwand entspricht der Zinslast. Diese entsteht dadurch, da Banken ihren Kunden f\u00fcr die ihre Einlagen ebenfalls Zinsen bieten m\u00fcssen.<\/p>\n<hr>\n<p><b><small>Berechnung:<\/small><\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/prudentwater.com\/wp-content\/uploads\/2021\/08\/Zinsueberschuss.png\" alt=\"\" class=\"aligncenter size-full wp-image-10826\" width=\"630\" height=\"42\" title=\"\"><\/p>\n<hr>\n<p>Es gilt, dass je h\u00f6her das aktuelle Zinsniveau ist, desto h\u00f6her auch der Zins\u00fcberschuss einer Bank. Dies auch vor allem deshalb, weil Zinsen f\u00fcr neu vergebene Kredite schneller ansteigen als jenen Zinsen, welche Banken selbst auf die Geldeinlagen ihrer Kunden zahlen m\u00fcssen. Jedoch h\u00e4ngt die Ver\u00e4nderung des Zins\u00fcberschusses nach einer Leitzinserh\u00f6hung auch davon ab, ob es sich bei den vergebenen Krediten mehrheitlich um variabel verzinsliche Kredite (Floater) oder um Kredite mit einem festen Zinssatz handelt. Variabel verzinsliche Kredite (gebunden an einen Zinssatz wie dem EURIBOR) sind bei einem steigendem Zinsniveau profitabler, da Floater dann ebenfalls h\u00f6her verzinst werden und der Bank in periodischen Abst\u00e4nden einen h\u00f6heren Zinsertrag bieten.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Der Zins\u00fcberschuss einer Bank ist der Differenzbetrag zwischen Zinsertrag und Zinsaufwendung. Der Zins\u00fcberschuss ist die Haupteinnahmequelle eines Kreditinstitutes. Den Zinsertrag generieren Banken durch die Vergabe von Krediten. Der Zinsaufwand entspricht der Zinslast. Diese entsteht dadurch, da Banken ihren Kunden f\u00fcr die ihre Einlagen ebenfalls Zinsen bieten m\u00fcssen. Berechnung: Es gilt, dass je h\u00f6her das aktuelle [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2922","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"en","enabled_languages":["de","en"],"languages":{"de":{"title":true,"content":true,"excerpt":false},"en":{"title":false,"content":false,"excerpt":false}}},"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":""},"post_excerpt_stackable_v2":"<p>Der Zins\u00fcberschuss einer Bank ist der Differenzbetrag zwischen Zinsertrag und Zinsaufwendung. Der Zins\u00fcberschuss ist die Haupteinnahmequelle eines Kreditinstitutes. Den Zinsertrag generieren Banken durch die Vergabe von Krediten. Der Zinsaufwand entspricht der Zinslast. Diese entsteht dadurch, da Banken ihren Kunden f\u00fcr die ihre Einlagen ebenfalls Zinsen bieten m\u00fcssen. Berechnung: Es gilt, dass je h\u00f6her das aktuelle Zinsniveau ist, desto h\u00f6her auch der Zins\u00fcberschuss einer Bank. Dies auch vor allem deshalb, weil Zinsen f\u00fcr neu vergebene Kredite schneller ansteigen als jenen Zinsen, welche Banken selbst auf die Geldeinlagen ihrer Kunden zahlen m\u00fcssen. Jedoch h\u00e4ngt die Ver\u00e4nderung des Zins\u00fcberschusses nach einer Leitzinserh\u00f6hung auch&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"PrudentWater","url":"https:\/\/prudentwater.com\/en\/author\/niklas33\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages\/2922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/comments?post=2922"}],"version-history":[{"count":0,"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/pages\/2922\/revisions"}],"wp:attachment":[{"href":"https:\/\/prudentwater.com\/en\/wp-json\/wp\/v2\/media?parent=2922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}