dᵻpˈɛndɪŋ ˌɔn ɐ bˈæŋks spəsˈɪfɪk ˈæsɛts ænd lˌaɪəbˈɪlᵻɾiz ˈiː.dʒˈiː., fˈɪkst ɔːɹ flˈoʊɾɪŋ ɹˈeɪt, ˌɛnˌaɪˈaɪ mˈeɪ biː mˈoːɹ ɔːɹ lˈɛs sˈɛnsᵻtˌɪv tə tʃˈeɪndʒᵻz ɪn ˈɪntɹɛst ɹˈeɪts.
Depending on a bank's specific assets and liabilities (e.g., fixed or floating rate), NII may be more or less sensitive to changes in interest rates.