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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Recent Developments in Margin Lending in Australia
10 Dec 2009
Bulletin
– December 2009
Protected margin loans in effect combine a standard margin loan with a put option on the shares and managed funds purchased. ... The increase in the average loan size partly reflected strong growth in large margin loans (those greater than $10 million);
https://www.rba.gov.au/publications/bulletin/2009/dec/2.html
Bank Interest Rate Margins
10 May 1992
Bulletin
– May 1992
The process of setting a customer's margin above the relevant indicator rate varies with the size of the loan. ... For medium-sized loans (up to several million dollars), decisions on customer margins may be taken by regional managers.
https://www.rba.gov.au/publications/bulletin/1992/may/1.html
Semi-Annual Statement on Monetary Policy
10 Nov 1997
Bulletin
– November 1997
the ASEAN-4 region), in some cases by a large margin (Table 3). ... loans were much less widely available (at least from banks) and borrowers often needed to take out more than one loan in order to fund a house purchase.
https://www.rba.gov.au/publications/bulletin/1997/nov/2.html
Statement on Monetary Policy
10 Aug 2004
Bulletin
– August 2004
Graph A2. Balance-sheet restructuring is also apparent within the banking sector, particularly with regard to non-performing loans. ... In March the PBOC increased the interest rate ceiling on loans to commercial banks and for rediscounting trade bills.
https://www.rba.gov.au/publications/bulletin/2004/aug/1.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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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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Bulletin
18 Apr 2024
Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/
Semi-Annual Statement on Monetary Policy
10 May 2000
Bulletin
– May 2000
Graph 18. Loan approvals and building approvals data, moreover, point to further substantial increases in dwelling investment. ... In part, this strength has been driven by further increases in the average value of a new housing loan.
https://www.rba.gov.au/publications/bulletin/2000/may/1.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
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