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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MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA’s Macroeconometric Model
12 Jan 2022
RDP
PDF
1774KB
5.2.4 Scenario 4: banks restrict supply of new loans only 29. ... not be captured. 3.2 Total loan losses. We do not currently model losses on business loans, and simply assume business loan losses move.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-01.pdf
Trends in the Funding and Lending Behaviour of Australian Banks
2 Feb 2015
RDP
PDF
1090KB
activities. Davis (2011) notes that residential loans made up close to 60 per cent of Australian banks’ total loan portfolios in 2009, but less than 40 per cent in the United ... Unlike variable interest rates in a number of other countries, almost all
https://www.rba.gov.au/publications/rdp/2013/pdf/rdp2013-15.pdf
Do Australian Households Borrow to Keep up with the Joneses?
8 Nov 2022
RDP
PDF
1659KB
including credit card and personal debt, e.g. hire purchase loan, car loan and other personal loans). ... hand-to-mouth) take out larger loans for investment purposes than their liquidity-constrained.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-06.pdf
Semi-Annual Statement on Monetary Policy
31 Jul 2003
SMP
PDF
27KB
banks’ housing loan margins in1996 and early 1997. ... c) Customer risk margins apply to these products. (d) Since March 1997, banks have not applied a customer risk margin to term loans secured by residentialproperty.
https://www.rba.gov.au/publications/smp/1998/may/pdf/box-e.pdf
Does Monetary Policy Affect Non-mining Business Investment in Australia? Evidence from BLADE
7 Jan 2024
RDP
PDF
1715KB
invest (extensive margin), and the extent of investment (intensive margin). The effects are. ... is slightly less evidence of significance on the intensive margin (see Figure C6).
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-09.pdf
Box B: Recent Developments in Australia's Resource Exports
7 May 2009
SMP
- May 2009
PDF
442KB
https://www.rba.gov.au/publications/smp/2009/may/pdf/box-b.pdf
Semi-Annual Statement on Monetary Policy
31 Jul 2003
SMP
PDF
30KB
Margins on Loans. As noted, not all interest rates on loanshave fallen in line with the cash rate: somehave fallen by more and some by less. ... The indicator rates on small businessoverdrafts and term loans have fallenbroadly in line with the cash
https://www.rba.gov.au/publications/smp/1997/nov/pdf/box-e.pdf
The Term Funding Facility: Has It Encouraged Business Lending?
8 Dec 2022
RDP
PDF
2133KB
securitisations, which are notes backed by loans already on the banks’ balance sheets. ... the government’s Paycheck Protection Program, with the loans to be used as collateral.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-07.pdf
Inflation
6 Dec 2023
SMP
- August 2023
PDF
2166KB
https://www.rba.gov.au/publications/smp/2023/aug/pdf/04-inflation.pdf
Statement on Monetary Policy
6 Dec 2023
SMP
- August 2023
PDF
9542KB
https://www.rba.gov.au/publications/smp/2023/aug/pdf/statement-on-monetary-policy-2023-08.pdf