#Reverse repo rate

[newsusapacific]

Great financial tip! How does the repo rate help control inflation? -2022

The Repo rate, also known as the overnight lending rate, is the rate at which central banks lend money to commercial banks in the event that they need to borrow funds to meet their reserve requirements. When the central bank increases the repo rate, it becomes more expensive for commercial banks to borrow money, which can help to reduce inflation. Read More

[loantrivia]

Understanding the Reverse Repo Rate: Its Role in Monetary Policy

In the realm of central banking and monetary policy, the reverse repo rate plays a crucial role in regulating a country’s economy. The reverse repo rate is a tool employed by central banks, such as the Reserve Bank of India (RBI), to manage liquidity and control inflation. Here, we delve into what the reverse repo rate is and why it matters. What is the Reverse Repo Rate? The reverse repo rate…

[scorebetter]

Reserve Bank Of India

The Reserve Bank Of India was established on 1st 1935, with capital of 5 crore, on the recommendations of Hilton Young Committee, under RBI Act, 1934.

The Reserve Bank Of India was established on 1st 1935, with capital of 5 crore, on the recommendations of Hilton Young Committee, under RBI Act, 1934. It was nationalised on 1st January 1949.It got the membership of Bank of International Settlement (BIS) in 1996.RBI is managed by a group of 21 members, which comprises –1 Governor4 Deputy Governor2 Officials from Ministry of Finance10 Directors…

[usaitbari]

RBI Monetary Policy 07 December 2022: Loan EMIs to go up, RBI hikes repo rates by 35 basis points to 6.25%

RBI Monetary Policy 07 December 2022: Loan EMIs to go up, RBI hikes repo rates by 35 basis points to 6.25%

New Delhi: In a move that will raise borrowing costs for corporates and individuals even further, the RBI Monetary Policy Committee led by Governor Shaktikanta Das hiked Repo Rate by 35 basis points to 6.25 percent on Thursday. Repo is the rate at which Reserve Bank of India lends funds to commercial banks when needed. It is a tool that the central bank uses to control inflation. This is the…

[arcanistsanctum]

CN Assets Directory Listing

Posting this to make it easier for others to navigate and identify specific categories of Myssal's Reverse:1999 Assets Repo. Expand to find more listed noteable asset folders from the repository and a tip at the end!

Note: THESE CONTAIN CN CONTENTS

Character Live2D Sprite Sheets .png of the sheets under textures folder of each character folder

Character Chibi/Battle and Suitcase Sprite Sheets .png of the sheets under textures folder of each character folder, includes enemies folders with '_s" are suitcase sprite sheets, while folders with '_z" are character ultimate sprite sheets

Character Story Sprite Sheets .png of the sheets under textures folder of each character folder, includes NPCs

Achievement Assets (BGs, frames, icons)

- Achievement Badge Icons

Battlepass Assets

Mane's Bulletin Rating Icons

Character Garment Backgrounds

Resonate Background Assets

Currency Item Assets

Anecdote CGs

Anecdote Assets

The Three Doors Assets

Arcanist Items

Psychube Icons

Psychube Suits

Psychube Effects

Card Attributes

Arcane Skill Cards

Character Handbook Gallery Icon

Character Initial Illustrations and Garment Splash Arts

Character Initial and Garment Roster Image Cards

- and another one - slightly wider cropped versions - even wider cropped versions

Character Chibi Icons

Character Room Icons

Character Expressions Sheet

Loading Screen Assets

Log In Background

Lobby Change Preview

Player Avatar Icons

Character Birthday Block Icons

Wilderness Island Icons

Wilderness Building Icons

Wilderness Pack Icons

Wilderness Pack Shop Banners

Wilderness Theme Illustrations

Wilderness Critters Cropped Icons

Wilderness Critters Full-Body Icons

Wilderness Assets

Character Items

Character Portrait Item Icons

Character Event Garment Item Icons

Material Icons

- and another one

Series of Dusk Assets

UTTU Cards

Character Signatures

Store Assets

All Story Backgrounds, Main and Event Story CGs

Summon Banner Assets

Cutscene Videos

These folders can be downloaded via download-directory, or simply add 'ss' before github.com of the directory/file (demo video) and click Download. Both methods will zip the file.

Credits to @anonymocha for finding the repository! And of course, shoutout to Myssal for sharing the repo!

And a healthy reminder to only save/use these assets for personal use (like journaling or scrapbooking or for your R1999-related video content creation), and DO NOT claim BLUEPOCH's intellectual property as your own!

[soultiesfinancials]

My total UNBIASED and DATA backed Prediction for the next 2-4 years for the United States

2024-2028 TRUMP BINGO CARD (Check all Events to get BINGO)

THIS WILL NOT BE A SMOOTH SAILING OR AN OVERNIGHT CHANGE WE ARE ALL DREAMING OF.

- The FEDs said today that theres a 57% chance of Recession happening within 10 months (Democrats to blame this on Trump and dub him as The Recession President bc he left with a mild Pandemic Recession & Now stepping in with the economy having a 57% chance of Recession happening in 2025)

- Tax Cut Jobs Act from 2017 that's about to expire to be expanded by Trump but really Congress cannot work on this until February 2025 the soonest maybe May 2025

- Trump will accelerate innovations like Unsupervised Self Driving cars & Robots

- Trump's Tariffs plan are being blown out of proportion. I expect this to happen by the 2nd half of his term. He will not implement this when it can hurt the Economy early during his term if he let his ego take over this will be a mistake (Intention here is good for the Country's GDP but this cannot be rushed in my opinion)

- Inflation Reduction Act will result to layoffs by 2025 and Democrats will use this against him but it was indeed them who's been borrowing SHORT TERM printing money to fund this bill. Reverse Repo is near Zero as of today while the FEDs are cutting Rates. Its crushing the USD and they will use this against him.

- Jobs Recession that will be caused by the FEDs will be blamed on Trump

- Democrats will try to take power away (or some) from Trump by his midterm bc of Recession

- Trump takes office Jan 20, 2025 - Jobs Report February 7, 2025 that will likely show negative in Government & Payrolls Data only 18 days later. Markets will freak out that will show that the Economy is walking into a Recession or already in a Recession. These Jan - March pain we are about to have is still under Biden's provision. The BLS have been hiding real JOB Reports and now that the election is over, alot of their fake "Jobs" that they created will VANISH! (Im 99.99% sure this will happen bc we will see Seasonal Layoffs specially after the holidays)

- As fears of recession rises, Trump's ego will kick in and demand FEDs to cut rates rapidly (this will be a mistake) This will possibly bring back STIMULUS that will NOT be inflationary but DEFLATIONARY

- STIMULUS - I can see this happening tax cuts, cheap loans, new real estate tax credits while housing market slows and no one will afford buying a new home

- Stimulus will not be the answer, FEDs will cut rates quick Stocks will crash, more job losses and he will be blamed but in reality it is the FEDs fault. This is by design

- FEDs will capitulate! By design they will cut rates back to ZERO! Stocks will crash and FEDs buys all in (And this is when I turn BULLISH!!!)

- By the end of Trump's term, Americans realize that it is not his fault and that this Recession, Debt Crisis and Capitulation was all by design and 2028 Office remains RED! Hopefully JD Vance in 2028 and NOT Donald Trump!

[mnrpardiman]

Bunga pinjaman dan bunga tabungan adalah dua jenis bunga yang diterapkan pada produk perbankan. Keduanya memiliki fungsi dan dampak yang berbeda terhadap nasabah maupun bank.

1. Bunga Pinjaman

Bunga pinjaman adalah biaya yang harus dibayar oleh nasabah kepada bank atau lembaga keuangan atas pinjaman yang diterimanya. Bunga ini menjadi sumber pendapatan utama bagi bank dalam produk-produk kredit, seperti:

- Kredit Pemilikan Rumah (KPR)

- Kredit Kendaraan Bermotor (KKB)

-Kredit Tanpa Agunan (KTA)

- Kredit Usaha

Faktor yang memengaruhi bunga pinjaman:

- Suku bunga acuan: Bank mengikuti suku bunga acuan yang ditetapkan oleh bank sentral (seperti BI 7-Day Reverse Repo Rate) untuk menentukan besarnya bunga pinjaman.

- Jenis pinjaman: Jenis dan risiko pinjaman (agunan, tenor, dan profil risiko nasabah) mempengaruhi besar kecilnya bunga.

- Kondisi ekonomi: Saat inflasi tinggi, bunga pinjaman cenderung naik untuk menekan permintaan.

2. Bunga Tabungan

Bunga tabungan adalah imbal hasil yang diberikan bank kepada nasabah atas simpanan atau tabungan yang disimpan di bank. Bunga ini biasanya lebih rendah dari bunga pinjaman karena fungsi utama tabungan adalah untuk menyimpan dana nasabah, bukan untuk menghasilkan keuntungan besar. Bunga tabungan dapat diberikan dalam produk:

- Tabungan reguler

- Deposito berjangka

- Rekening giro atau rekening berbunga lainnya

Faktor yang memengaruhi bunga tabungan:

- Suku bunga acuan: Bank akan menyesuaikan bunga tabungan sesuai dengan suku bunga acuan yang ditetapkan oleh bank sentral.

- Jenis produk: Produk simpanan berjangka seperti deposito biasanya menawarkan bunga lebih tinggi daripada tabungan reguler karena dana disimpan dalam jangka waktu tertentu.

- Kondisi persaingan: Bank dengan target penghimpunan dana yang tinggi cenderung menawarkan bunga tabungan lebih menarik untuk menarik nasabah.

Perbedaan Utama

Arah Pembayaran: Pada bunga pinjaman, nasabah membayar bunga kepada bank. Sedangkan pada bunga tabungan, bank membayar bunga kepada nasabah.

Besaran Bunga: Bunga pinjaman umumnya lebih tinggi dibandingkan dengan bunga tabungan, karena bunga pinjaman mengandung unsur keuntungan bagi bank.

[news247worldpressposts]

#Breaking: #China's central bank conducted 241.6 billion yuan (about 33.88 billion U.S. dollars) of seven-day reverse

China’s central bank conducted 241.6 billion yuan (about 33.88 billion U.S. dollars) of seven-day reverse repos at an interest rate of 1.5 percent Monday http://xhtxs.cn/Yic Source: X

[crisismonitor]

Κίνα: Σε χαμηλό 12 ετών το Reverse Repo Rate 7 ημερών

Στο 1,5% (από 1,7% τον Σεπτέμβριο) μείωσε το Reverse Repo Rate επτά ημερών η Λαϊκή Τράπεζα της Κίνας. Continue reading Κίνα: Σε χαμηλό 12 ετών το Reverse Repo Rate 7 ημερών

[leprivatebanker]

China's central bank injects cash, lowers 14-day reverse repo rate

[loantrivia]

Differences Between Repo Rate and Reverse Repo Rate and How They Affect Lending and Borrowing

Repo rate and reverse repo rate are crucial concepts in the Indian banking system that significantly impact lending and borrowing. The Reserve Bank of India (RBI) uses these two rates to regulate the flow of money in the economy. This article will discuss the differences between repo rates and reverse repo rates and how they affect lending and borrowing. Differences Between Repo Rates and…

[blockinsider]

Arthur Hayes Skeptical About Bitcoin Boost from Fed Rate Cuts Amid Repo Reversal

Key Points

Bitcoin prices have not risen as expected following the Federal Reserve’s hint at a rate cut in September.

Arthur Hayes, former BitMEX leader, suggests reverse repurchase agreements (repos) could be influencing this unexpected behavior.

Despite the Federal Reserve signaling a potential rate cut in September, Bitcoin prices have not responded as anticipated. Rather than increasing, they have experienced a minor decline. Arthur Hayes, the co-founder and previous head of BitMEX, proposes that an unforeseen factor could be influencing this: reverse repurchase agreements, also known as repos.

High-Yield Repos Impeding Bitcoin Growth

Currently serving as Chief Investment Officer at Maelstrom, Hayes points to the high interest rates offered by reverse repos (currently at 5.3%) compared to Treasury bills (4.38%). He suggests that this attractive yield is drawing large money market funds, pulling cash away from Treasury bills, and limiting the amount of money available for riskier assets like Bitcoin.

Reverse repos can be thought of as a secure “parking lot” for big banks and money managers to temporarily store their cash. At present, this parking lot offers a better interest rate than other safe investments. According to Hayes, this is keeping capital stagnant, preventing it from flowing through the economy and potentially fueling growth in riskier assets like Bitcoin.

Traditionally, lower interest rates are seen as positive for Bitcoin. The reasoning is that lower rates make borrowing and spending more attractive, which increases liquidity in the market. Furthermore, lower interest rates often weaken the dollar, making Bitcoin appear more attractive in comparison.

However, the current situation with high-yielding reverse repos complicates this theory. Hayes argues that the easy access to high-interest parking for cash is dampening the usual effects of rate cuts, hence the less-than-expected response from Bitcoin prices.

Fed Meeting Sparks Bitcoin Speculation

The upcoming Federal Reserve meeting on September 18 is garnering substantial attention. The CME Fed Watch tool indicates a 69% probability of a 25 basis point cut and a 31% likelihood of a 50 basis point cut. This decision will likely have a significant impact on the market.

If the Fed decides on a larger rate cut, it could indicate a more proactive approach, potentially triggering a stronger market reaction. However, the role of reverse repos raises questions about whether this will lead to a significant rise in Bitcoin prices.

Hayes’ theory provides an interesting viewpoint on the market’s current subdued behavior. However, the cryptocurrency market is complex and influenced by various elements. As the Fed meeting approaches and the situation with reverse repos evolves, the impact on Bitcoin prices may become more apparent.

[timberexchange]

To revive China's slowing economy, its central bank slashed key interest rates. A property crisis, deflation, weak consumer spending are the reasons. The People's Bank of China (PBOC) declared on Monday that it would enhance open market operations and lower the seven-day reverse repo rate from 1.8% to 1.7%. The rate has not been lowered since August 2023.

[zapmoney]

What is repo rate? How does it affect your loans?

Interest rates on bank loans, including personal loans, are directly impacted by the Reserve Bank of India’s repo rate. Bank rate adjustments may not result in an instant correlation between the interest rate on a personal loan and the repo rate. 

A decrease in interest rates on personal loans might help borrowers feel less pressured financially and obtain credit. Additionally, it might make personal loans more popular. Conversely, an increase in interest rates on personal loans makes credit more expensive for borrowers, which may lower their spending power. “How does the repo rate influence changes in personal loan interest rates?” is now the key query that might come up. To receive a response, you must understand what repo rate is. 

What is a Repo rate? 

The interest rate at which the Reserve Bank of India (RBI) lends loans to commercial banks is known as the Repo Rate. 

Repurchase Agreement or Repurchasing Option is the full form of Repo Rate. Banks sell eligible securities to the Reserve Bank of India (RBI) in order to acquire loans. 

The RBI has set the current repo rate in India at 6.50%. According to the most recent information, the repo rate did not alter from what was declared on June 7, 2024. 

An agreement would be reached between the commercial bank and the central bank, or RBI, to repurchase the securities at a predetermined price. This is what banks do when they are short on funds or need to maintain liquidity in the face of volatile market conditions. The RBI uses the repo rate to control inflation. 

How Does Repo Rate Work? 

Interest is charged on the principle amount of each loan you take out from a bank. The cost of credit is what we call this. In a same vein, banks must pay interest to the Central Bank on any money they borrow from the RBI during a cash constraint. We refer to this interest rate as the repo rate. 

Repo is a term for “repurchasing option” or “repurchase agreement” in technical terms. Under this arrangement, banks give the RBI acceptable securities, like Treasury Bills, in exchange for overnight loans. There will also be a contract in place for their repurchase at a set price. The bank receives the money, and the central bank receives the security. 

In the event of a cash shortage or as a result of certain statutory actions, the Reserve Bank of India (RBI) lends money to Commercial Banks at the Repo rate in order to maintain liquidity. It is one of the RBI’s primary instruments for controlling inflation. 

What is the reverse repo rate? 

The repo rate and the reverse repo rate are the opposite. It is the precise interest rate at which the Reserve Bank of India borrows money or takes in liquidity from commercial banks using government assets as security. Another important component of the RBI’s monetary policy initiatives is the reverse repo rate. The reverse repo rate is currently 3.35%. 

Current Repo Rate in India 

The current Repo Rate in India has been fixed at 6.50% as per the announcement made by the government on 7th June 2024. 

Repo Rate of the Reserve Bank of India  

The most recent repo rate and reverse repo rate are as follows: Repo Rate Today 6.50% Reverse Repo Rate 3.35% Bank Rate 5.15% Marginal Standing Facility Rate 6.75% 

What Effect Does the Repo Rate Have on the Interest Rates on Loans? 

Interest rates on loans, particularly personal loans, are impacted by changes in repo rates. Commercial banks must pay higher interest rates to their customers as borrowing becomes more costly when the RBI hikes the repo rate. This implies that as a borrower, you will ultimately pay higher interest rates on your personal loans, which may put a strain on your finances. 

Conversely, commercial banks can now borrow money at a lower cost thanks to the Reserve Bank of India’s reduction in the repo rate. They might then lower the interest rates on personal loans to pass the savings on to their clients. This will lessen your interest costs and make loan repayment less stressful for you.This implies that the interest rate on personal loans is directly impacted by changes in the repo rate.

Conclusion: 

In conclusion, the interest rates on bank loans are affected by the RBI’s monetary policy actions and modifications to the repo rate and reverse repo rate. Prospective borrowers can make a more informed choice if they have a thorough understanding of repo and reverse repo rates as well as their implications for retail lending rates. 

FAQ:

How does the repo rate affect loans? 

The repo rate, set by the central bank, directly impacts the cost of borrowing for financial institutions. When the repo rate increases, banks may raise their lending rates, making loans more expensive for consumers. 

What is the relationship between the repo rate and loan interest rates? 

The repo rate serves as a benchmark for banks to determine their lending rates. A higher repo rate typically results in higher loan interest rates, while a lower repo rate may lead to lower loan costs for borrowers. 

How does the repo rate influence the availability of loans? 

Changes in the repo rate can affect the availability of loans in the market. A higher repo rate may lead to tighter credit conditions, making it more difficult for individuals and businesses to access financing.

Can the repo rate impact the overall economy through loans? 

Yes, the repo rate plays a crucial role in shaping the economy through its impact on loans. Changes in the repo rate can influence consumer spending, investment decisions, and overall economic growth. 

[trader-sg112]

Mixed Performance of Major Currencies Amidst Central Bank Policy Adjustments

Early trading in the Asian market revealed a nuanced landscape for major currencies, reflecting ongoing adjustments in global monetary policies and varying economic conditions. The U.S. dollar exhibited a slight decline, slipping by 0.08% to trade at 157.38 yen. In contrast, the euro experienced a modest gain, rising 0.11% to reach $1.0895. This movement underscores the dynamic nature of currency markets, where fluctuations can occur due to a multitude of factors including economic indicators, geopolitical events, and central bank policies.

The British pound also showed positive momentum, climbing 0.15% to $1.2931. This uptick in the pound can be attributed to several factors, including market sentiment around the UK's economic outlook and potential adjustments in the Bank of England's monetary policy. Similarly, the Australian dollar added 0.08%, trading at $0.6691. The performance of the Australian dollar is often influenced by commodity prices, trade relationships, and the Reserve Bank of Australia's policy stance.

Meanwhile, the U.S. dollar remained steady at 7.2881 yuan in offshore trading. This stability comes in the wake of the People's Bank of China's (PBOC) recent policy decision. The PBOC cut the seven-day reverse repo rate from 1.8% to 1.7%, a move aimed at injecting liquidity into the financial system and supporting economic growth. This rate cut reflects China's efforts to balance economic stability with growth amidst ongoing global economic uncertainties.

The U.S. Dollar and Japanese Yen

The slight decline of the U.S. dollar against the Japanese yen can be linked to various factors. Investors often view the yen as a safe-haven currency, particularly during times of economic uncertainty. As such, fluctuations in the dollar-yen pair can be indicative of broader market sentiment. The U.S. Federal Reserve's monetary policy decisions, economic data releases, and geopolitical developments all play critical roles in influencing the dollar's value against the yen.

Euro's Performance

The euro's modest gain against the U.S. dollar highlights the complex interplay of factors impacting the Eurozone's economic landscape. The European Central Bank's (ECB) policy measures, economic data from member countries, and overall market sentiment towards the Eurozone economy contribute to the euro's movements. The recent increase in the euro's value could be attributed to positive economic data or expectations of future ECB policy actions aimed at stabilizing inflation and promoting growth.

British Pound's Momentum

The British pound's ascent to $1.2931 indicates a positive market sentiment towards the UK's economic prospects. Factors such as economic data releases, market expectations regarding the Bank of England's interest rate decisions, and political developments within the UK can significantly influence the pound's value. The recent gain suggests that investors are optimistic about the UK's economic recovery and potential policy adjustments by the Bank of England to manage inflation and support growth.

Australian Dollar's Performance

The Australian dollar's gain to $0.6691 reflects its sensitivity to global commodity prices and trade dynamics. Australia is a major exporter of commodities such as iron ore and coal, and fluctuations in global demand for these commodities can impact the value of the Australian dollar. Additionally, the Reserve Bank of Australia's monetary policy decisions and economic data releases play crucial roles in shaping the currency's performance. The recent uptick suggests positive market sentiment towards Australia's economic outlook.

Chinese Yuan's Stability

The stability of the U.S. dollar against the Chinese yuan at 7.2881 in offshore trading follows the People's Bank of China's decision to cut the seven-day reverse repo rate to 1.7% from 1.8%. This policy adjustment is part of China's broader strategy to support economic growth amidst global uncertainties. By lowering the reverse repo rate, the PBOC aims to increase liquidity in the financial system, encouraging lending and investment to boost economic activity. This move reflects China's proactive approach to managing its economic challenges and maintaining stability in its financial markets.

[economics-engineers-view]

Customer Deposit in Banks, then Banks buy Treasury. So, short term interest rates down (as Treasury buying increase price, reducing yield). In turn, fed able to raise Liquidity. Think of Liquidity when you come across RRP. RRP (for fed) = TOMI = Treasury Out Money In

Explain the relation between fed and deposit institutions

How does the overnight reverse repo of the U.S. Fed lead to liquidity injection into the financial system? From accounting point of view, the U.S. Fed shall continue to account for the securities on its balance sheet. It only shifts some liabilities from bank reserves to reverse repo on the balance sheet. Depository institutions earn an interest rate overnight and so continuously assuming that they engage in RRP using their excess liquidity. As much as RRP displaces loanability of banks, it is rather contractionary