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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The Impact of the Capital Market Turbulence on Banks' Funding Costs
10 Jun 2009
Bulletin
– June 2009
Graph 6. Variable interest rates on small business loans have fallen substantially less than housing loan rates. ... Banks now view the margins on loans written during the middle of this decade as being too low given the risks involved.
https://www.rba.gov.au/publications/bulletin/2009/jun/1.html
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
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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2.2 Operations in Financial Markets
19 Oct 2023
RBA Annual Report
– October 2023
Operations in Financial Markets | Reserve Bank of Australia Annual Report – October 2023
https://www.rba.gov.au/publications/annual-reports/rba/2023/operations-in-financial-markets.html
Recent Developments in Interest Rates on Bank Lending
10 Apr 1999
Bulletin
– April 1999
At the same time, some banks also announced fixed risk margins for loans secured by commercial property or business assets. ... For ‘larger’ small business loans, margins in Australia might still be a little wider than in the United States.
https://www.rba.gov.au/publications/bulletin/1999/apr/1.html
Resilience of the Australian Financial System
6 Oct 2023
FSR
– October 2023
Resilience of the Australian Financial System | Financial Stability Review – October 2023
https://www.rba.gov.au/publications/fsr/2023/oct/australian-financial-system.html
Household and Business Finances in Australia
6 Apr 2023
FSR
– April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023
https://www.rba.gov.au/publications/fsr/2023/apr/household-business-finances.html
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
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
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