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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The Australian Financial System
8 Apr 2021
FSR
– April 2021
The end of APRA's concessional treatment for loan repayment deferrals in March will also lift loan arrears, as APRA's concession allowed most loans on deferral as part of a ... Graph 3.6. Current indications are that the increase in non-performing loans
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Interest Margins and Spreads | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial…
30 Nov 2010
Submissions
Increased loan impairments have reduced net interest margins through the loss of interest on non-accrual items. ... This effect has been offset somewhat by higher risk margins on lending, particularly on business loans, which have had higher rates of
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/interest-margins.html
The Australian Financial System
6 Apr 2023
FSR
– April 2023
The Australian Financial System | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/australian-financial-system.html
Financial Stability Review
15 Nov 2023
FSR
- October 2023
PDF
4631KB
https://www.rba.gov.au/publications/fsr/2023/oct/pdf/financial-stability-review-2023-10.pdf
Resilience of the Australian Financial System
22 Mar 2024
FSR
– March 2024
Resilience of the Australian Financial System | Financial Stability Review – March 2024
https://www.rba.gov.au/publications/fsr/2024/mar/resilience-of-the-australian-financial-system.html
Resilience of Australian Households and Businesses
22 Mar 2024
FSR
– March 2024
Resilience of Australian Households and Businesses | Financial Stability Review – March 2024
https://www.rba.gov.au/publications/fsr/2024/mar/resilience-of-australian-households-and-businesses.html
Box B: Recent Trends in Personal Credit
10 Feb 2020
FSR
April 2018
PDF
640KB
https://www.rba.gov.au/publications/fsr/2018/apr/pdf/box-b.pdf
What are Interest Margins? | International Comparisons of Bank Margins – August 1994 | Bank Fees and Margins | Submissions
1 Aug 1994
Submissions
The presence of ‘non-accrual’ loans – i.e. those loans on which interest payments have fallen into arrears – also affects measures of interest margins and interest spreads. ... In order to get a better handle on the margins or spreads that apply
https://www.rba.gov.au/publications/submissions/financial-sector/international-comparisons-of-bank-margins/what-are-interest-margins.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