Search: Nominal interest rate
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RBA Glossary definition for Nominal interest rate
Nominal interest rate – The nominal interest rate refers to the cost of borrowing money before adjustment for inflation i.e. it includes compensation for the expected erosion of the value of the borrowed funds due to inflation. It is the cost visible to the borrower, and is composed of the real interest rate plus inflation.
RBA Glossary definition for interest rate
interest rate – The term used to describe the cost of borrowing money or the return to the owner of the funds which are invested or lent out. It is usually expressed as a percent per annum of the amount of money borrowed, lent or invested.
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The Australian Financial System
7 Oct 2022
FSR
– October 2022
At the same time, higher interest rates reduce the present value of liabilities to the extent that nominal interest rates increase due to higher real interest rates (insurers might adjust assumptions ... For more information on the effects of rising
https://www.rba.gov.au/publications/fsr/2022/oct/australian-financial-system.html
List of tables
10 Sep 2008
FSR
– September 2008
Net interest income. 16.1. 17.7. 1.7. Net income from wealth management. ... quarter. 2008. Nominal disposable income. before interest. 6.9. 6.8. after interest.
https://www.rba.gov.au/publications/fsr/2008/sep/tables.html
Overview
10 Mar 2004
FSR
– March 2004
Nominal interest rates in all the key financial centres are at very low levels and have been so over an extended period. ... when international short-term interest rates begin, at some stage, to rise to levels more in line with historical experience.
https://www.rba.gov.au/publications/fsr/2004/mar/overview.html
Box B: Recent Trends in Personal Credit
10 Apr 2018
FSR
– April 2018
Banks have contributed to this switch in borrowing behaviour by widening the interest rate differential between (secured) mortgages and (generally unsecured) personal credit, with a notable repricing in 2008 that reflected ... s outstanding mortgage
https://www.rba.gov.au/publications/fsr/2018/apr/box-b.html
Box A: Rates of Indebted Home Ownership
10 Sep 2005
FSR
– September 2005
These outcomes largely reflect the fall in nominal interest rates that was associated with Australia's return to low inflation in the early 1990s, and a relaxation of banks' lending criteria. ... The various surveys show similar and broadly steady rates
https://www.rba.gov.au/publications/fsr/2005/sep/box-a.html
The Macroeconomic and Financial Environment
10 Mar 2005
FSR
– March 2005
The impact of low nominal interest rates on borrowing decisions is most evident in the data on household credit growth. ... Low nominal interest rates have not provided the same strong impetus to borrowing by businesses and to commercial property prices.
https://www.rba.gov.au/publications/fsr/2005/mar/mac-fin-env.html
The Global Financial Environment
20 Oct 2015
FSR
– October 2015
to narrow if the liberalisation of interest rates increases price competition for funding. ... Low interest rates support economic growth and economic risk taking but, if persistent, can encourage investors to increase financial risks in an attempt to
https://www.rba.gov.au/publications/fsr/2015/oct/global-fin-env.html
The Australian Financial System
20 Oct 2017
FSR
– October 2017
In contrast to household loans, aggregate business loan performance has improved further, supported by low interest rates. ... This tends to push shadow banks using this business model to lend to borrowers with lower credit quality that pay higher
https://www.rba.gov.au/publications/fsr/2017/oct/aus-fin-sys.html
Overview
10 Mar 2015
FSR
– March 2015
Low interest rates in the advanced economies continue to encourage financial risk-taking. ... At the margin, the recent decline in mortgage interest rates can be expected to boost demand for housing further, though it will also make it easier for
https://www.rba.gov.au/publications/fsr/2015/mar/overview.html
List of graphs
10 Sep 2013
FSR
– September 2013
Graph 2.25: Notional Principal Outstanding of Interest Rate Derivatives at LCH.C. ... Graph A3: Large Chinese Banks' Interest Rates on Demand Deposits.
https://www.rba.gov.au/publications/fsr/2013/sep/graphs.html