{
    "id": "BANK-01",
    "category": "BANK",
    "category_name": "銀行股",
    "title": "淨息差 NIM 與生息資產增長",
    "question": "淨息差 NIM 與生息資產增長",
    "chart": "line",
    "metric": "淨息差 NIM 與生息資產增長",
    "secondary": "折線",
    "x": "觀察期／樣本",
    "y": "示例數值",
    "panels": [
        "淨息差 NIM 與生息資產增長",
        "折線",
        "資料明細"
    ],
    "filters": [
        "標的／市場",
        "分析區間",
        "基準／參數"
    ],
    "apis": [
        "FUND_STOCK",
        "PRAAMS_BOND",
        "PRAAMS_BANK"
    ],
    "calculation": "年化淨利息收入/平均生息資產。",
    "caveat": "FUND.earningAssets 未證實等於報告所用平均生息資產；PRAAMS 雖有 net_interest_income 且產品頁提及生息資產，已核實 schema 仍未證實平均生息資產分母與 NIM 定義。不能直接推算正式 NIM。",
    "inputs": "FUND.Financials.Income_Statement.netInterestIncome\nSUPPLEMENT.平均生息資產與期長",
    "extra_inputs": "依左側必要欄位與限制核實",
    "data_class": "需補來源",
    "complexity": "先補資料",
    "rank": 1,
    "stage": "P0",
    "collection": "product",
    "source_urls": [
        "https://eodhd.com/financial-academy/financial-faq/fundamentals-glossary-common-stock",
        "https://eodhistoricaldata.github.io/EODHD-openapi/redoc.html",
        "https://eodhd.com/marketplace/praams/bank"
    ],
    "requires_user_input": false,
    "requires_extra_plan": true,
    "cadence": "示例資料",
    "sample_labels": [
        "2019",
        "2020",
        "2021",
        "2022",
        "2023",
        "2024"
    ],
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}