This "NIM" value remains at near historic lows...
Does it also not take several years for banks to see a benefit as rates rise...?
90% of their loans were written at 2015/16 etc rates... 
And one more freebie question...(if I may)
Do banks actually hold all these loans or somehow monetize/get them off the books to allow for a new crop of business?? 
(I can't seem to find this anywhere)