Globally, shopping online for skincare saw higher discounts than the e-commerce average. The average online discount rate of skincare products was at its highest in the fourth quarter of 2022 at approximately 24 percent. In the surveyed time, the discount rate for an online skincare order was at its lowest during the first quarter of 2023 at just about 19 percent. Seasonal variations and promotional events Discount rates for skincare products show seasonal fluctuations, with the highest discounts typically occurring during major shopping events. For instance, Amazon Prime Days in 2024 saw beauty and personal care products discounted by an average of 29 percent, significantly higher than the usual skincare discount rates. This event has become a major driver of online sales, with Prime members purchasing approximately 300 million items in 2024. The success of such promotions extends beyond participating brands, with non-participating companies also experiencing increased traffic and sales during these periods. Consumer behavior and market trends The skincare market is adapting to changing consumer preferences and shopping habits. Keyword searches for "men's skincare" on Google saw a twofold increase during the 2023 holiday season compared to 2021 averages, indicating growing interest in this segment. Additionally, social media plays a significant role in driving traffic to skincare e-commerce sites, particularly on mobile devices. In the third quarter of 2024, tablets had the highest share of social media referrals at 26 percent, while computers had the lowest at just one percent. These trends underscore the importance of mobile-friendly platforms.

View values of the average interest rate at which Treasury bills with a 3-month maturity are sold on the secondary market.

Shows the daily level of the federal funds rate back to 1954. The fed funds rate is the interest rate at which depository institutions (banks and credit unions) lend reserve balances to other depository institutions overnight, on an uncollateralized basis. The Federal Open Market Committee (FOMC) meets eight times a year to determine the federal funds target rate.

Across key selected regions in 2022, on average clothing was discounted between a range of ** to ** percent at the world's largest retailers. This average discount level was highest in the months of January and July. April was the month with the lowest discount level.

Lending Rate: per Month: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data was reported at 0.970 % per Month in 03 Jul 2019. This records an increase from the previous number of 0.940 % per Month for 02 Jul 2019. Lending Rate: per Month: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data is updated daily, averaging 0.770 % per Month from Jan 2012 (Median) to 03 Jul 2019, with 1866 observations. The data reached an all-time high of 2.840 % per Month in 27 Mar 2014 and a record low of 0.000 % per Month in 09 Aug 2017. Lending Rate: per Month: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB019: Lending Rate: per Month: by Banks: Pre-Fixed: Corporate Entities: Discount Duplicate. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

According to the source, sellers in the electronics sector have adopted the most significant discounts in the market to remain competitive. During the second quarter of 2023, they provided an average discount of 38.02 percent. Media closely trailed behind, with an average discount of 37.97 percent, while fashion and accessories followed suit with 37.71 percent.

The benchmark interest rate in Pakistan was last recorded at 11 percent. This dataset provides - Pakistan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

China Bills Transfer Discount: Quote Rate: Average: Electronic Bills: Sell data was reported at 5.109 % pa in 29 Jun 2017. This records an increase from the previous number of 5.101 % pa for 28 Jun 2017. China Bills Transfer Discount: Quote Rate: Average: Electronic Bills: Sell data is updated daily, averaging 4.461 % pa from Dec 2012 (Median) to 29 Jun 2017, with 1096 observations. The data reached an all-time high of 10.075 % pa in 25 Jun 2013 and a record low of 2.542 % pa in 31 Aug 2016. China Bills Transfer Discount: Quote Rate: Average: Electronic Bills: Sell data remains active status in CEIC and is reported by National Interbank Funding Center. The data is categorized under China Premium Database’s Money Market, Interest Rate, Yield and Exchange Rate – Table CN.MC: Bills Transactions and Its Rates.

The benchmark interest rate in India was last recorded at 5.50 percent. This dataset provides - India Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for FOMC Summary of Economic Projections for the Fed Funds Rate, Median (FEDTARMD) from 2025 to 2027 about projection, federal, median, rate, and USA.

In Italy, e-commerce websites offered the highest discount rates in the first quarters of both 2023 and 2024. During those three months, the share of order amounts that was reduced due to merchandise or other discounts was between 24 and 27 percent each year.

The benchmark interest rate in Vietnam was last recorded at 4.50 percent. This dataset provides the latest reported value for - Vietnam Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Discount of Cheques: Banco Industrial do Brasil S.A. data was reported at 0.000 % per Month in 03 Jul 2019. This stayed constant from the previous number of 0.000 % per Month for 02 Jul 2019. Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Discount of Cheques: Banco Industrial do Brasil S.A. data is updated daily, averaging 0.000 % per Month from Jan 2012 (Median) to 03 Jul 2019, with 1867 observations. The data reached an all-time high of 2.610 % per Month in 21 Oct 2016 and a record low of 0.000 % per Month in 03 Jul 2019. Brazil Lending Rate: per Month: Pre-Fixed: Individuals: Discount of Cheques: Banco Industrial do Brasil S.A. data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB010: Lending Rate: per Month: by Banks: Pre-Fixed: Individuals: Discount of Cheques. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

No other day in the year represents the set phrase “shopping spree” better than Black Friday. Originated in the United States, the popularity of the Friday after Thanksgiving Day has skyrocketed in the world over the past years, and Spain is no exception to this global trend. According to the latest surveys, about 65 percent of the Spaniards that were intending to take part in this shopping event in 2024 were interested in buying fashion products. In the fashion industry, Inditex was by far the largest fashion company by revenue in Spain in 2023. Black Friday in Europe With only a few exceptions, the participation rate on Black Friday only increased across Europe between 2017 and 2018, with Romania topping the list with about 71 percent of consumers that took part in 2018. Ukraine is, in contrast, the European country that least participated in this shopping event at slightly over 30 percent of consumers, although this figure represents quite a leap from a shy 18.6 percent registered the previous year. In terms of discount rates, the list is led by the United Kingdom, with an average discount rate of 63 percent off all products for sale in 2018. That same year, Spain featured an average discount rate of 47 percent. The importance of Black Friday in the fashion industry Black Friday has become an extremely important event for the world’s leading retailers. In Spain, for instance, the sales of fashion and luxury items on Black Friday is over 400 percent higher than any other day of the year, representing one of the highest percentage changes across Europe. Generally speaking, the fashion industry has experienced a gradual increase in the number of online shoppers over the last few years, reaching 13.5 million online shoppers in 2022 as opposed to only 5.5 million in 2014.

Sources:

German Central Bank (ed.), 1975: Deutsches Geld- und Bankwesen in Zahlen 1876 – 1975. (German monetary system and banking system in numbers 1876 – 1975) German Central Bank (ed.), different years: monthly reports of the German Central Bank, statistical part, interest rates German Central Bank (ed.), different years: Supplementary statistical booklets for the monthly reports of the German Central Bank 1959 – 1992, security statistics Reich Statistical Office (ed.), different years: Statistical yearbook of the German empire Statistical Office (ed.), 1985: Geld und Kredit. Index der Aktienkurse (Money and Credit. Index of share prices) – Lange Reihe; Fachserie 9, Reihe 2. Statistical Office (ed.), 1987: Entwicklung der Nahrungsmittelpreise von 1800 – 1880 in Deutschland. (Development of food prices in Germany 1800 – 1880) Statistical Office (ed.), 1987: Entwicklung der Verbraucherpreise (Development of consumer prices) seit 1881 in Deutschland. (Development of consumer prices since 1881 in Germany) Statistical Office (ed.), different years: Fachserie 17, Reihe 7, Preisindex für die Lebenshaltung (price index for costs of living) Donner, 1934: Kursbildung am Aktienmarkt; Grundlagen zur Konjunkturbeobachtung an den Effektenmärkten. (Prices on the stock market; groundwork for observation of economic cycles on the stock market) Homburger, 1905: Die Entwicklung des Zinsfusses in Deutschland von 1870 – 1903. (Development of the interest flow in Germany, 1870 – 1903) Voye, 1902: Über die Höhe der verschiedenen Zinsarten und ihre wechselseitige Abhängigkeit.(On the values of different types of interests and their interdependence).

Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial e Comercial S.A. data was reported at 0.000 % pa in 03 Jul 2019. This stayed constant from the previous number of 0.000 % pa for 02 Jul 2019. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial e Comercial S.A. data is updated daily, averaging 0.000 % pa from Jan 2012 (Median) to 03 Jul 2019, with 1865 observations. The data reached an all-time high of 37.680 % pa in 14 Sep 2012 and a record low of 0.000 % pa in 03 Jul 2019. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial e Comercial S.A. data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB044: Lending Rate: per Annum: by Banks: Pre-Fixed: Corporate Entities: Discount Duplicate. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data was reported at 12.340 % pa in 03 Jul 2019. This records an increase from the previous number of 11.830 % pa for 02 Jul 2019. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data is updated daily, averaging 9.605 % pa from Jan 2012 (Median) to 03 Jul 2019, with 1866 observations. The data reached an all-time high of 40.010 % pa in 27 Mar 2014 and a record low of 0.000 % pa in 09 Aug 2017. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount Duplicate: Banco Industrial do Brasil S.A. data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB044: Lending Rate: per Annum: by Banks: Pre-Fixed: Corporate Entities: Discount Duplicate. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount of Cheques: Banco Industrial e Comercial S.A. data was reported at 0.000 % pa in 03 Jul 2019. This stayed constant from the previous number of 0.000 % pa for 02 Jul 2019. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount of Cheques: Banco Industrial e Comercial S.A. data is updated daily, averaging 0.000 % pa from Jan 2012 (Median) to 03 Jul 2019, with 1866 observations. The data reached an all-time high of 55.170 % pa in 22 Jun 2012 and a record low of 0.000 % pa in 03 Jul 2019. Brazil Lending Rate: per Annum: Pre-Fixed: Corporate Entities: Discount of Cheques: Banco Industrial e Comercial S.A. data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Brazil Premium Database’s Interest and Foreign Exchange Rates – Table BR.MB043: Lending Rate: per Annum: by Banks: Pre-Fixed: Corporate Entities: Discount of Cheques. Lending Rate: Daily: Interest rates disclosed represent the total cost of the transaction to the client, also including taxes and operating. These rates correspond to the average fees in the period indicated in the tables. There are presented only institutions that had granted during the period determined. In general, institutions practicing different rates within the same type of credit. Thus, the rate charged to a customer may differ from the average. Several factors such as the time and volume of the transaction, as well as the guarantees offered, explain the differences between interest rates. Certain institutions grant allowance of the use of the term overdraft. However, this is not considered in the calculation of rates of this type. It should be noted that the overdraft is a modality that has high interest rates. Thus, its use should be restricted to short periods. If the customer needs resources for a longer period, should find ways to offer lower rates. The Brazilian Central Bank publishes these data with a delay about 20 days with relation to the reference period, thus allowing sufficient time for all Financial Institutions to deliver the relevant information. Interest rates presented in this set of tables correspond to averages weighted by the values of transactions conducted in the five working days specified in each table. These rates represent the average effective cost of loans to customers, consisting of the interest rates actually charged by financial institutions in their lending operations, increased tax burdens and operational incidents on the operations. The interest rates shown are the average of the rates charged in the various operations performed by financial institutions, in each modality. In one discipline, interest rates may differ between customers of the same financial institution. Interest rates vary according to several factors, such as the value and quality of collateral provided in the operation, the proportion of down payment operation, the history and the registration status of each client, the term of the transaction, among others . Institutions with “zero” did not operate on modalities for those periods or did not provide information to the Central Bank of Brazil. The Central Bank of Brazil assumes no responsibility for delay, error or other deficiency of information provided for purposes of calculating average rates presented in this

The benchmark interest rate in Malaysia was last recorded at 3 percent. This dataset provides - Malaysia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

‘System cash position’ is an estimate of the change in the aggregate level of Exchange Settlement (ES) balances at the RBA, prior to the RBA’s open market operations on that day. A negative value …Show full description‘System cash position’ is an estimate of the change in the aggregate level of Exchange Settlement (ES) balances at the RBA, prior to the RBA’s open market operations on that day. A negative value indicates a projected fall in the level of ES balances, while a positive value indicates a projected rise. The estimate is based on information about settlements arising from transactions by the RBA’s clients, including the Australian Government, as well as the RBA’s own transactions, and is announced at 9:30 am each trading day. ‘Outright transactions’ is the cash value of purchases and sales, conducted as part of the Bank’s open market operations, of securities issued by the Australian Government and State and Territory central borrowing authorities with remaining terms to maturity up to around 18 months. A positive value indicates the RBA has purchased securities while a negative value indicates the RBA has sold securities. ‘Foreign exchange swaps’ is the aggregate value of the first leg of foreign exchange swaps transacted for same-day value specifically for domestic liquidity management purposes. A positive value indicates the RBA has sold Australian dollars for foreign currency while a negative value indicates the RBA has purchased Australian dollars. The value of the second leg of a foreign exchange swap is captured in the ‘System cash position’ on the unwind date. ‘Repurchase agreements (RPs)’ is the amount of the first leg of securities bought/sold by the RBA under repurchase agreement (RP). 'General Collateral' refers to eligible eligible securities issued by the Australian Government, State and Territory governments, supranational institutions, foreign governments and government agencies as well as eligible securities with a sovereign government guarantee. ‘Private securities’ covers all other eligible collateral, including ADI-issued securities (eligible bank-issued discount securities and certificates of deposit with 12 months or less to maturity and bonds issued by ADIs), asset-backed securities (eligible residential mortgage-backed securities and asset-backed commercial paper) and eligible commercial paper. A positive value indicates the RBA has purchased securities under RPs while a negative value indicates the RBA has sold securities under RPs. It does not include RPs which are transacted through the RBA’s overnight RP facility. The value of the second leg of all RPs is captured in the ‘System cash position’ on the respective value dates. ‘Exchange Settlement account balances (end day)’ is the aggregate of all ES balances held at the RBA at the close of business. Unexpected movements in ES balances and overnight RPs transacted through the RBA’s overnight RP facility mean that ‘Exchange Settlement account balances (end day)’ will not necessarily be the sum of the previous day’s ‘Exchange Settlement account balances (end day)’, the ‘System cash position’ and the total of ‘Open market operations’ transacted. ‘Overnight repurchase agreements with RBA’ is the aggregate of the first leg of securities bought by the RBA through the overnight RP facility. These data are updated with a one month lag. Outright Transaction Details The 'Outright Transactions Details' sheet provides further information on the outright purchases and sales of Bonds and Discount Securities issued by the Australian Commonwealth, State & Territory Governments, conducted as part of the Bank's open market operations. “Issuer” is the acronym of the issuer of the bond/security. A positive “Face value dealt” indicates a purchase while a negative value indicates a sale. 'Weighted average rate' is the average of the rates dealt for each bond/security, weighted by the amount transacted. 'Cut-off rate' is the lowest yield accepted. Repo Details The Repo Details sheets provide a summary of the type of securities delivered to/by the RBA under RP at each term dealt through the open market operations. 'Govt and Quasi-Govt Repo Details' covers repo against General Collateral (eligible securities issued by the Australian Government, State and Territory governments, supranational institutions, foreign governments and government agencies as well as eligible securities with a sovereign government guarantee). ‘Private securities’ covers all other eligible collateral, including ADI-issued securities (eligible bank-issued discount securities and certificates of deposit with 12 months or less to maturity and bonds issued by ADIs), asset-backed securities (eligible residential mortgage-backed securities and asset-backed commercial paper) and eligible commercial paper. 'Term' is the number of days dealt in open market operations. 'Value Dealt' is the amount of the first leg of securities bought/sold by the RBA under RP. Weighted average rate' is the is the average of the rates on RPs dealt by the RBA through open market operations, weighted by the amount transacted. 'Cut-off rate' is the lowest rate dealt by the RBA through open market operations for each term dealt. Repo Unwinds The Repos Unwinds sheet provides a summary of the value of repurchase agreements due to unwind in the future, for both General Collateral and Private Securities. The unwind amount is equal to the sum of the total value dealt to that date plus accrued interest.