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Ten years of bank stress tests in Europe and the United States
29th of April 2025
Banque de France Bulletin
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s
Social transfers
Transfers paid (in the form of money or services) to individuals or families to lower the financial burden of protecting themselves against different risks (e.g. retirement pensions, health insurance, family benefits, unemployment benefit, housing benefit, guaranteed minimum income, etc.).
m
Margin rate
A measure of the level of profitability of a company or sector. In national accounting, the ratio of gross operating surplus to value added.
r
Real rate
The real or “economic” cost of credit (as opposed to the nominal or “financial” cost), which is calculated by deducting observed or expected inflation from the nominal interest rate.
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