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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Identifying Repo Market Microstructure from Securities Transactions Data
13 Aug 2018
RDP
PDF
2622KB
detail as unsecured markets, because loan-level repo data have not been available. ... common than loan increases by a small margin. Collateral movements, that is, zero-cash transactions.
https://www.rba.gov.au/publications/rdp/2018/pdf/rdp2018-09.pdf
Credit Loss Modelling
20 Sep 2022
RDP
2022-03
For other domestic loan types (such as loans to financial institutions), we make some simplifying assumptions in recognition these loans comprise less than 5 per cent of total loans. ... The use of loan loss provisions is mandated in accounting standards,
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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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
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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
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
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List of tables
10 Nov 2008
SMP
– November 2008
0.00. 2.09. Personal loans. Margin loans. 10.12. 0.43. 1.15. Standard credit cards. ... 14.84. 0.06. 2.22. Small business. Term loans. Residentially secured. 9.41. 0.69.
https://www.rba.gov.au/publications/smp/2008/nov/tables.html
Financial Conditions
6 Feb 2024
SMP
– February 2024
Financial Conditions | Statement on Monetary Policy – February 2024
https://www.rba.gov.au/publications/smp/2024/feb/financial-conditions.html
List of tables
10 May 2008
SMP
– May 2008
End Jul 2007. Cash rate. 7.25. 0.50. 1.00. Housing loans. Prime-full doc. ... Personal loans. Margin loans. 10.40. 0.74. 1.44. Standard credit cards. 19.38.
https://www.rba.gov.au/publications/smp/2008/may/tables.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
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