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
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
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
Bulletin August 2001 – Statement on Monetary Policy
10 Aug 2001
Bulletin
Or was their timing simply delayed, with businesses temporarily absorbing cost impacts in their margins? ... Heightened concerns about the size of the non-performing loan book for Japanese banks also depressed Japanese share prices.
https://www.rba.gov.au/publications/bulletin/2001/aug/1.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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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
Recent Developments in Margin Lending in Australia
14 Dec 2009
Bulletin
PDF
148KB
Reserve Bank of Australia Bulletin December 2009
https://www.rba.gov.au/publications/bulletin/2009/dec/pdf/bu-1209-2.pdf
Credit Loss Modelling
20 Sep 2022
RDP
2022-03
For other domestic loan types (such as loans to financial institutions), we make some simplifying assumptions in recognition these loans comprise less than 5 per cent of total loans. ... The use of loan loss provisions is mandated in accounting standards,
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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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
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 Transmission of Monetary Policy through Banks' Balance Sheets | Conference – 2018
12 Apr 2018
Conferences
This assumption is problematic. We know that banks account for changes in both their cost of funding and the risk of their loan portfolio when pricing their loans. ... L,j. is always paid in full), but that some borrowers will not repay their loans.
https://www.rba.gov.au/publications/confs/2018/brassil-cheshire-muscatello.html