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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Box B: An International Comparison of Pass-through of Policy Rate Changes to Housing Loan Rates
10 Feb 2009
SMP
– February 2009
Rates on outstanding variable rate loans have fallen by more, though pass-through has still been limited. ... Even on tracker loans, where the pass-through of changes in the bank rate should be automatic, some loan contracts have clauses which allow
https://www.rba.gov.au/publications/smp/2009/feb/box-b.html
Competition: Profitability and Margins | Conference – 1991
21 Jun 1991
Conferences
Suffice to say at this juncture that margins on international business were slim relative to the average margin achieved in Australia. ... So a sensible assessment of the impact of deregulation on margins would need access to the proportion of costs
https://www.rba.gov.au/publications/confs/1991/phelps.html
Appendix 1: Summary of Deregulation in Banking and in Deposit and Loan Markets
1 Sep 1995
RDP
9506
Loan market. February 1972. maximum interest rate on overdrafts and housing loans over A$50,000 removed. ... Philippines. Date. Banking sector. Deposit market. Loan market. July 1981. interest rate ceilings removed.
https://www.rba.gov.au/publications/rdp/1995/9506/appendix-1.html
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List of tables
10 Aug 2008
SMP
– August 2008
End July 2007. Cash rate. 7.25. 0.00. 1.00. Housing loans. Prime-full doc. ... 0.30. 1.99. Non-conforming. 11.71. 0.15. 2.09. Personal loans. Margin loans. 10.54.
https://www.rba.gov.au/publications/smp/2008/aug/tables.html
Domestic Financial Conditions
5 May 2023
SMP
– May 2023
Domestic Financial Conditions | Statement on Monetary Policy – May 2023
https://www.rba.gov.au/publications/smp/2023/may/domestic-financial-conditions.html
Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017
16 Mar 2017
Conferences
Lower rates increase the expected recovery from non-performing loans by reducing the discount factor. ... And fully controlling for the various influences, including weakness in loan demand, is not straightforward.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html
BA-MARTIN in Detail
18 Jan 2022
RDP
2022-01
We do not currently model losses on business loans, and simply assume business loan losses move proportionately with housing loan losses. ... θ. is the household share of banks' outstanding loans (estimated from APRA data).
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-detail.html
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Domestic Financial Conditions
5 Nov 2020
SMP
– November 2020
of the reductions apply to loans under the Australian Government's $40 billion SME loan guarantee scheme. ... Approval rates for housing loans are said to have remained high and banks report in liaison that the slight easing in lending requirements has
https://www.rba.gov.au/publications/smp/2020/nov/domestic-financial-conditions.html
List of tables
10 Feb 2008
SMP
– February 2008
Margin loans. 9.66. 0.33. 0.69. Standard credit cards. 18.57. 0.39. 0.78. ... End Jul 2007. Cash rate. 6.75. 0.25. 0.50. Small business. Term loans.
https://www.rba.gov.au/publications/smp/2008/feb/tables.html
The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data
21 Jun 2023
RDP
2023-05
Our analysis confirms the empirical regularity that declining interest rates reduce banks’ net interest margins. ... impact of lower rates on loan-loss provisions and other factors, including an increased focus on cost efficiencies and streamlining
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
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