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.
Search Results
Notes to and Forming Part of the Financial Statements
19 Oct 2023
RBA Annual Report
– October 2023
Cash collateral provided. 859. 25. 2.9. Gold loans. 457. 1. 0.1. ... Gold borrowed under gold swaps. 66. 3. 3.9. Loans, advances and other.
https://www.rba.gov.au/publications/annual-reports/rba/2023/financial-statements/notes.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 Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011
24 Jul 2000
Conferences
and was seen by many as putting pressure on bank margins and loan interest rates. ... That effect was particularly noticeable in the 1990s when the margin between the standard variable housing loan interest rate and the RBA target cash rate fell from
https://www.rba.gov.au/publications/confs/2011/davis.html
Semi-Annual Statement on Monetary Policy
30 Jul 2003
SMP
PDF
80KB
Thevalue of outstanding margin loans representsabout 0.9 per cent of market capitalisation. ... margin loan, it is possible for investors tocontrol a much larger portfolio than theycould if they were to invest only their owncapital.
https://www.rba.gov.au/publications/smp/2000/may/pdf/box-c.pdf
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
See 12 more results from "RDP 2023-05"
The Australian Financial System
8 Apr 2021
FSR
– April 2021
The end of APRA's concessional treatment for loan repayment deferrals in March will also lift loan arrears, as APRA's concession allowed most loans on deferral as part of a ... Graph 3.6. Current indications are that the increase in non-performing loans
https://www.rba.gov.au/publications/fsr/2021/apr/australian-financial-system.html
Box C: Recent Developments in Margin Lending
6 Aug 2004
SMP
PDF
61KB
Much of the recent pick-up in marginlending is likely to have reflected increasesin existing borrowers’ debt levels, with thenumber of margin loan accounts rising moremodestly over the period. ... As such, theaverage size of outstanding margin loans
https://www.rba.gov.au/publications/smp/2004/aug/pdf/box-c.pdf
The Evolving Structure of the Australian Financial System | Conference – 1996
9 Jul 1996
Conferences
There was also concern that heavy loan-losses incurred by banks made them reluctant to cut gross margins. ... They also introduced reduced-rate loans like ‘honeymoon’ loans and ‘no-frills’ loans.
https://www.rba.gov.au/publications/confs/1996/edey-gray.html
Interest Margins and Spreads | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial…
30 Nov 2010
Submissions
Increased loan impairments have reduced net interest margins through the loss of interest on non-accrual items. ... This effect has been offset somewhat by higher risk margins on lending, particularly on business loans, which have had higher rates of
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/interest-margins.html
The Australian Financial System
6 Apr 2023
FSR
– April 2023
The Australian Financial System | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/australian-financial-system.html