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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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RBA: Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates August 2015-Graph 13

Submissions
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs/graph-13.html

Submission to the Inquiry into Access for Small and Medium Business to Finance - February 2011 | Financial Sector | Submissions

7 Feb 2011 Submissions
About two-thirds of lending to small businesses is through commercial bills and other loans with variable interest rates. ... One common concern of small businesses is that interest rates on residentially secured small business loans are priced at a
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-access-for-small-and-medium-business-to-finance-2011/

RBA: Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates August 2015-Graph 16

Submissions
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs/graph-16.html

RBA: Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates August 2015-Graph 9

Submissions
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs/graph-09.html

RBA: Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates August 2015-Graph 21

Submissions
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs/graph-21.html

RBA: Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates August 2015-Graph 10

Submissions
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-matters-relating-to-credit-card-interest-rates-2015-08/graphs/graph-10.html

Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
However, this mainly was driven by the structural downward shift in consumer price inflation and thus nominal interest rates. ... It is most likely a consequence of the structural decline in inflation in the early 1990s, and associated falls in nominal
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html

Interest Margins and Spreads | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial…

30 Nov 2010 Submissions
The banks' net interest margins have been compressed by the fall in interest rates on liquid assets relative to average loan rates since mid 2007, and the increased share of liquid ... Banks use derivatives to hedge the interest rate risk on their asset
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/interest-margins.html

Submission to Payments System Review – January 2021 | Responses and Options Paper

25 May 2023 Submissions
how it sets interest rates and uses other monetary policy tools to achieve those goals. ... remainder to the BNPL provider in a series of low- or zero-interest instalments.
https://www.rba.gov.au/publications/submissions/payments-system/submission-to-payments-system-review-01-2021/index.html

What are Interest Margins? | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions

1 Aug 1994 Submissions
Another measure based on profit and loss and balance sheet information is the interest spread. ... The interest spread is the difference between the average interest rate earned on interest-earning assets and the average interest rate paid on
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.html