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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Introduction
1 Feb 1992
RDP
9202
RDP 9202: Some Tests of Competition in the Australian Housing Loan Market 1. ... the reactions by each bank to the value of loans made by other banks.
https://www.rba.gov.au/publications/rdp/1992/9202/introduction.html
See 8 more results from "RDP 9202"
The Securitisation Market
11 Nov 2014
Speech
Speech by Chris Aylmer to the Australian Securitisation Conference, Sydney
https://www.rba.gov.au/speeches/2014/sp-so-111114.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
The Link between the Cash Rate and Market Interest Rates
1 Dec 2009
RDP
PDF
179KB
Working in the other direction, strong demand for housing loans mayhave meant that banks could maintain these margins. ... have not increased loan margins and provisions inexpectation of higher future loan defaults and they have not reduced margins
https://www.rba.gov.au/publications/rdp/1995/pdf/rdp9504.pdf
Central Bank Frameworks: Evolution or Revolution?
4 Jan 2023
Conferences
PDF
7522KB
RBA Conference Volume 2018
https://www.rba.gov.au/publications/confs/2018/pdf/rba-conference-volume-2018.pdf
Regulatory Competition and the “Generic” Financial-Services Firm | Conference – 1991
21 Jun 1991
Conferences
Institutions with this incentive structure were attracted to a promotional strategy of rolling the dice in booking risky loans and accepting unsustainably low risk-adjusted profit margins. ... At the same time, federal authorities have chosen not to
https://www.rba.gov.au/publications/confs/1991/kane.html
Some Recent Banking Developments
30 Sep 1994
Speech
Talk by Ian Macfarlane, to CS First Boston, Australasian Banking Conference, Melbourne
https://www.rba.gov.au/speeches/1994/sp-dg-300994.html
MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model
12 Jan 2022
RDP
PDF
1774KB
5.2.4 Scenario 4: banks restrict supply of new loans only 29. ... not be captured. 3.2 Total loan losses. We do not currently model losses on business loans, and simply assume business loan losses move.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf
The Role of Collateral in Borrowing
14 Jan 2021
RDP
PDF
1784KB
the extensive margin (i.e. number of counterparties borrowed from), consistent with collateral. ... 4. The credit channel literature shows that borrower and loan characteristics are important.
https://www.rba.gov.au/publications/rdp/2021/pdf/rdp2021-01.pdf
Emerging Threats to Financial Stability – New Challenges for the Next Decade
31 Oct 2023
Speech
Speech delivered by Brad Jones, Assistant Governor (Financial System), Australian Finance Industry Association Conference, Sydney
https://www.rba.gov.au/speeches/2023/sp-ag-2023-10-31.html