Search: margin loans
RBA Glossary definition for margin loans
margin loans – Loans which are made to investors to purchase financial assets, usually equities or units in managed funds. These assets are used as security for the margin loan. Margin loan clients are required to keep the ratio of borrowings to the value of underlying security below a pre-arranged level. When the ratio goes above this level, lenders will make a margin call, requiring the borrower to either repay some of the loan or provide additional security to support the loan.
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Risk Management
27 Oct 2022
RBA Annual Report
– October 2022
The required margin is maintained throughout the term of the repo through daily two-way margining. ... the securities must be rated AAA and they attract a relatively high margin.
https://www.rba.gov.au/publications/annual-reports/rba/2022/risk-management.html
Operations in Financial Markets
12 Apr 2020
RBA Annual Report
– 2020
The cash rate is the interest rate on unsecured overnight loans between banks. ... 1,806. Gold loans and swaps. 2,002. Net Foreign Reserves. 65,423. Memo item:.
https://www.rba.gov.au/publications/annual-reports/rba/2020/operations-in-financial-markets.html
The Australian Financial System
7 Oct 2022
FSR
– October 2022
Higher interest rates could also result in lower collateral values of assets that secure loans. ... greater proportion of loans with higher loan-to-income (LTI) ratios, there is little evidence that these risks have increased in a material way overall.
https://www.rba.gov.au/publications/fsr/2022/oct/australian-financial-system.html
The Global Financial Environment
8 Oct 2021
FSR
– October 2021
Authorities have reintroduced or extended some support measures, such as loan guarantees and delayed recognition of non-performing loans (NPLs). ... Large Japanese banks have increased overseas lending and invested in leveraged loans and collateralised
https://www.rba.gov.au/publications/fsr/2021/oct/global-financial-environment.html
The Global Financial Environment
8 Apr 2022
FSR
– April 2022
Some regulators have expressed concerns about debt serviceability alongside rising mortgage rates, particularly for those loans with high debt-to-income (DTI) or loan-to-income (LTI) ratios. ... Stress in the property development sector has had a limited
https://www.rba.gov.au/publications/fsr/2022/apr/global-financial-environment.html
Operations in Financial Markets
21 Oct 2021
RBA Annual Report
– 2021
Foreign currency. 206. Gold loans and swaps. 453. Net forward foreign currency commitments: Long-term. ... that the loan is fully collateralised by cash (either foreign currency or Australian dollars).
https://www.rba.gov.au/publications/annual-reports/rba/2021/operations-in-financial-markets.html
Notes to and Forming Part of the Financials Statements
9 Aug 2023
RBA Annual Report
- 2022
PDF
284KB
https://www.rba.gov.au/publications/annual-reports/rba/2022/pdf/notes.pdf
Household and Business Finances
8 Apr 2022
FSR
– April 2022
While banks' loan underwriting policies remain sound overall, strong demand and some lenders' accommodative practices have pushed the share of high-DTI loans to very high levels. ... Large falls in property valuations could put some commercial property
https://www.rba.gov.au/publications/fsr/2022/apr/household-business-finances.html
Reserve Bank of Australia Annual Report 2023
18 Oct 2023
RBA Annual Report
- 2023
PDF
402KB
https://www.rba.gov.au/publications/annual-reports/rba/2023/pdf/notes.pdf
The Australian Financial System
8 Apr 2022
FSR
– April 2022
Until recently, banks were offering lower interest rates on fixed-rate loans, which – along with borrower preference and loan refinancing – resulted in a shift towards fixed-rate mortgage products that have ... Data from the Reserve Bank's
https://www.rba.gov.au/publications/fsr/2022/apr/australian-financial-system.html