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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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Some Tests of Competition in the Australian Housing Loan Market
31 Jan 2006
RDP
PDF
377KB
the reactions by each bank to the value of loans made by other banks. ... We therefore use the housing loan market as a proxy for retail banking and construct a monthly series of housing loans by individual banks.
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9202.pdf
Trends in the Australian Banking System: Implications for Financial System Stability and Monetary Policy
1 Dec 2009
RDP
PDF
156KB
The banks attempted to rebuild their balance sheet positions by maintainingrelatively high margins. ... 15. housing loan approvals.8 This has placed downward pressure on housing loaninterest rate margins, with the margin between the standard rate paid on
https://www.rba.gov.au/publications/rdp/1999/pdf/rdp1999-05.pdf
Consumption and Liquidity Constraints in Australia and East Asia: Does Financial Integration Matter?
1 Dec 2009
RDP
PDF
345KB
3. Loan-deposit spread negative. 4. Financial depth (M/GDP) positive. 5. Nominal interest rate negative. ... When current income growth is replaced in the equation forThailand, financial depth, deposit and loan rates, and the loan-deposit margin
https://www.rba.gov.au/publications/rdp/1996/pdf/rdp9602.pdf
Introduction
10 Jul 2019
RDP
2019-05
Svensson (2017a) finds costs exceed benefits by ‘a large margin’. In the ‘average probability’ scenario of the International Monetary Fund (Habermeier et al 2015, p 25), the welfare cost of a ... Stronger prudential regulation, such as capital
https://www.rba.gov.au/publications/rdp/2019/2019-05/introduction.html
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Is Housing Overvalued?
4 Feb 2015
RDP
PDF
1164KB
8. measured in real terms.4 If measured in nominal terms, rents would be expected to rise in line with inflation, though the nominal interest payments on a loan would not. ... Smith and Smith (2006, Figures 8 and 9), and Garner and Verbrugge (2009,
https://www.rba.gov.au/publications/rdp/2014/pdf/rdp2014-06.pdf
Some Structural Causes of Japan’s Banking Problems
1 Dec 2009
RDP
PDF
296KB
a greater degree of market power when loan pricing inthe small business sector. ... In response tofalling effective margins and rising deposit liabilities, banks began to pay moreattention to loans promotion.
https://www.rba.gov.au/publications/rdp/2000/pdf/rdp2000-03.pdf
The Impact of Financial Intermediaries on Resource Allocation and Economic Growth
1 Feb 2006
RDP
PDF
699KB
If the loan rate is denoted by RL then the expected return to. ... This implies that:. Thus, if the cost of providing loans is 5 per cent then the loan rate will equal 16.8 per cent.
https://www.rba.gov.au/publications/rdp/1992/pdf/rdp9213.pdf
The Provision of Financial Services – Trends, Prospects and Implications
30 Nov 2009
RDP
PDF
301KB
3. and easy to price but they will have difficulty capturing more idiosyncratic loans. ... United States. 20. 40. 60. Canada. 50. 100. 150. Loans Securities Other Assets.
https://www.rba.gov.au/publications/rdp/1993/pdf/rdp9315.pdf
Agency Costs, Balance Sheets and the Business Cycle
30 Nov 2009
RDP
PDF
114KB
That is, in many cases monitoring (auditing) costs are insubstantialrelative to the value of the loan. ... 7 A deposit is a loan contract between the depositor and the bank.
https://www.rba.gov.au/publications/rdp/1993/pdf/rdp9311.pdf
Credit Losses at Australian Banks: 1980–2013
8 May 2015
RDP
PDF
1495KB
For smaller loans, where it is not economic to assess the likely size of a credit loss at the loan level, banks raise collective provisions. ... 6. category of loans in the past. Collective provisions are also used to cover likely future losses on the
https://www.rba.gov.au/publications/rdp/2015/pdf/rdp2015-06.pdf