Kredi
yukari yoenlu faiz orani riski
İngilizce: upside interest rate risk
Türkçe Tanım
Yukari yoenlu faiz orani riski, gecerli faiz oranlarindaki artistan kaynaklanan potansiyel kazanclara veya olumsuz etkilere maruz kalimidir. Sabit faizli yukumlulukleri olan borcaluler icin yukselen oranlar dogrudan kayiptan ziyade firsat maliyetini temsil ederken, degisken faizli kredi verenler icin oran artislari daha yuksek faiz gelirne donusur. Varlik-yukumluluk yoenetiminde yukari yoenlu faiz orani riskinin anlasilmasi, sabit ve degisken faizli riskler arasindaki dengenin optimize edilmesi icin onemlidir.
English Definition
Upside interest rate risk is the exposure to potential gains or adverse effects arising from an increase in prevailing interest rates. For borrowers with fixed-rate obligations, rising rates represent an opportunity cost rather than a direct loss, whereas for floating-rate lenders, rate increases translate into higher interest income. In asset-liability management, understanding upside interest rate risk is essential for optimising the balance between fixed and variable rate exposures.