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.
Search Results
Results
11 Sep 2015
RDP
2015-01
Indeed, the LGD on credit cards and other personal loans averaged around 50 per cent and 25 per cent in each year, respectively (although these loan types only account for about ... As a consequence, shocks of a magnitude that previously would have
https://www.rba.gov.au/publications/rdp/2015/2015-01/results.html
See 7 more results from "RDP 2015-01"
Appendix 1: Data
1 Jun 1992
RDP
9206
In May 1990, a retail index rate was introduced. Loans to small businesses are expressed as the retail index rate plus a margin. ... Table R.2/17. “Lending and Borrowing Rates”. Item III 1(c) Building society mortgage loans, nominal rate.
https://www.rba.gov.au/publications/rdp/1992/9206/appendix-1.html
See 8 more results from "RDP 9206"
Statement on Monetary Policy
10 May 2002
Bulletin
– May 2002
on business margins. ... At the same time, upstream cost data suggest that other sources of pressure on business margins may have eased for the time being (except for rising insurance premiums and utility prices).
https://www.rba.gov.au/publications/bulletin/2002/may/1.html
Macrofinancial Stress Testing on Australian Banks
13 Sep 2023
RDP
PDF
1940KB
In the following paragraphs the estimation approach for business loan losses is outlined. ... loans as it is likely that very similar dynamics will govern the loss rates for both loan categories.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-03.pdf
Semi-Annual Statement on Monetary Policy
10 May 1998
Bulletin
– May 1998
An indication of the weakness of these balance sheets is that loans outstanding to bankrupt companies were at their highest-ever level in 1997. ... In the three months to February, the value of loan approvals for housing was 18 per cent higher than a
https://www.rba.gov.au/publications/bulletin/1998/may/2.html
The Effects of Funding Costs and Risk on Banks' Lending Rates
10 Mar 2011
Bulletin
– March 2011
Second, risk margins on loans have risen to account for higher expected losses. ... Since then, spreads on new loans have declined, and are now closer to the average margin on existing loans.
https://www.rba.gov.au/publications/bulletin/2011/mar/6.html
The Consequences of Low Interest Rates for the Australian Banking Sector
19 Dec 2022
RDP
PDF
1588KB
loan losses include Hess, Grimes and Holmes (2009), Bilston, Johnson and Read (2015),. ... margins (NIMs, a key component of profitability). Because banks’ discretionary loan and deposit.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf
Statement on Monetary Policy
10 Feb 2003
Bulletin
– February 2003
Bulletin – February 2003 Statement on Monetary Policy. Download the complete Statement 712. KB. After a promising start in the early part of 2002, the global recovery lost momentum towards the end of the year. Most of the major economies showed
https://www.rba.gov.au/publications/bulletin/2003/feb/1.html
Statement on Monetary Policy
10 Aug 2002
Bulletin
– August 2002
Graph 31. Rising house prices have also facilitated equity withdrawal through products such as home-equity loans. ... Much of the refinancing activity is likely to reflect the desire to obtain preferable loan conditions or to consolidate loans, but
https://www.rba.gov.au/publications/bulletin/2002/aug/1.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