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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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 Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
8 Jun 2023
RDP
PDF
1310KB
the drag from lower interest margins. JEL Classification Numbers: E52, F34, F36, G21. ... excluding the value of interest income and interest expense. Loan-loss provisions ( LLP )(a) The ratio of LLPs (or impairment expenses) to cover non-performing loans
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf
The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
PDF
179KB
Working in the other direction, strong demand for housing loans mayhave meant that banks could maintain these margins. ... have not increased loan margins and provisions inexpectation of higher future loan defaults and they have not reduced margins
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
Introduction
1 Feb 1992
RDP
9202
RDP 9202: Some Tests of Competition in the Australian Housing Loan Market 1. ... the reactions by each bank to the value of loans made by other banks.
https://www.rba.gov.au/publications/rdp/1992/9202/introduction.html
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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
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016 | Bank Fees and Margins | Submissions
22 Sep 2016
Submissions
Handout and Supplementary Information Prepared for Standing Committee on Economics – September 2016
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/
MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model
12 Jan 2022
RDP
PDF
1774KB
5.2.4 Scenario 4: banks restrict supply of new loans only 29. ... not be captured. 3.2 Total loan losses. We do not currently model losses on business loans, and simply assume business loan losses move.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf
Non-technical summary for 'The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country…
16 Jun 2023
RDP
PDF
188KB
RDP 2023-05 non-technical summary
https://www.rba.gov.au/publications/rdp/2023/2023-05/rdp-2023-05-non-technical-summary.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
the extensive margin (i.e. number of counterparties borrowed from), consistent with collateral. ... 4. The credit channel literature shows that borrower and loan characteristics are important.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
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