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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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Identifying Repo Market Microstructure from Securities Transactions Data
1 Aug 2018
RDP
2018-09
outright trades). This is comparable to how unsecured loans are transacted through centralised payments systems alongside non-loan interbank payments. ... Multiple transaction loans occur if the lender increases the loan size before it is repaid, or the
https://www.rba.gov.au/publications/rdp/2018/2018-09/full.html
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Appendix A: Data Details
12 Sep 2014
RDP
2014-06
First, the data are thin, with few loans being made at this rate. ... Earlier data are difficult to interpret but do not clearly point to a change in expected margins.
https://www.rba.gov.au/publications/rdp/2014/2014-06/appendix-a.html
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The Liberalisation and Integration of Domestic Financial Markets in Western Pacific Economies
1 Dec 2009
RDP
PDF
253KB
The deposit and loan rates areassumed to be determined by a profit maximising bank with a simplified balancesheet comprising reserves (R) and loans (L) on the asset side, and money marketborrowings ... is the probability of payment of loaninterest, q is
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9506.pdf
The Evolving Structure of the Australian Financial System
1 Dec 2009
RDP
PDF
129KB
3.2 Competition and Margins 20. 3.3 Impact of Foreign Banks 26. ... 4. Margins over bill rate(Annual averages). Business indicator. Housing loan. 90-day bank bill rate.
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9605.pdf
The Efficiency of Central Clearing: A Segmented Markets Approach
24 Oct 2016
RDP
PDF
2054KB
payments on the defaulting contract); variation margin, where cash is exchanged to reflect. ... derivatives that must be centrally cleared, margin requirements and default fund contributions as.
https://www.rba.gov.au/publications/rdp/2016/pdf/rdp2016-07.pdf
Credit Supply and Demand and the Australian Economy
31 Jan 2006
RDP
PDF
637KB
The margin between the bank loan rate and the risk free rate rises from (il - i) to (i2 - i). ... While the market for loans is cleared at the rate i2 in this example, any further increase in loan demand would lead to a state of excess demand.
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9208.pdf
Demand in the Repo Market: Indirect Perspectives from Open Market Operations from 2006 to 2020
9 May 2024
RDP
PDF
4625KB
borrower defaults, the lender should be willing to accept a lower rate of interest on the loan for the. ... Debelle 2020; Finlay, Seibold and Xiang 2020; Kent 2020). One effect was that it led to margin calls.
https://www.rba.gov.au/publications/rdp/2024/pdf/rdp2024-03.pdf
Lending Behaviour
31 Dec 2013
RDP
2013-15
Notes: Spreads on outstanding loans. (a) Loans greater than $2 million; includes bill lending. ... This shift may have been a response by lenders to margins on these loans that appeared to be too narrow to accommodate the increase in funding costs, with
https://www.rba.gov.au/publications/rdp/2013/2013-15/lending-behaviour.html
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DSGE Reno: Adding a Housing Block to a Small Open Economy Model
11 Jun 2018
RDP
PDF
1710KB
In our. 4 Interest on ‘margin loans’ used to purchase equities is treated similarly to interest on housing loans. ... approach. The other main difference is that in Iacoviello-type models housing serves as collateral for loans,.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-04.pdf
The Role of Credit Supply in the Australian Economy
28 Jan 2015
RDP
PDF
817KB
80. 20. 40. 60. 80. BpsBps. BpsBps. BpsBps. Bank bills(a). Variable rate business loans(c). ... policy developments) can lead to a higher cost of borrowing and stricter loan terms.
https://www.rba.gov.au/publications/rdp/2012/pdf/rdp2012-02.pdf