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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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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The Changing Role of the Private Sector in China | Conference – 2016
18 Mar 2016
Conferences
lending is undertaken by smaller shareholding banks and city commercial banks that direct a much smaller share of their loans to state-owned firms. ... As a result, an increasingly larger share of corporate loans is going to private firms.
https://www.rba.gov.au/publications/confs/2016/lardy.html
Three Australian Asset-price Bubbles | Conference – 2003
18 Aug 2003
Conferences
As with previous bubbles, credit was relatively easy to obtain and, in particular, margin loans were very popular among stock investors. ... Wigmore (1985) calculates that margin loans amounted to about 18 per cent of market capitalisation in October 1929
https://www.rba.gov.au/publications/confs/2003/simon.html
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
The Australian Financial System in the 2000s: Dodging the Bullet
13 Dec 2011
Conferences
PDF
1104KB
RBA Conference Volume 2011
https://www.rba.gov.au/publications/confs/2011/pdf/davis.pdf
The Consequences of Low Interest Rates for the Australian Banking Sector
29 Dec 2022
Conferences
PDF
1221KB
RBA Annual Conference 2022
https://www.rba.gov.au/publications/confs/2022/pdf/rba-conference-2022-brassil.pdf
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
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
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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
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