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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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BA-MARTIN in Detail

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
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

BA-MARTIN in a Nutshell

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
Higher unemployment, lower housing prices and higher interest rates all increase loan losses. ... However, if riskier loans become relatively more costly (i.e. lending standards are tightened), then the credit quality of the average new loan would
https://www.rba.gov.au/publications/rdp/2022/2022-01/ba-martin-in-a-nutshell.html

MARTIN Gets a Bank Account: Adding a Banking Sector to the RBA's Macroeconometric Model

18 Jan 2022 RDP 2022-01
Anthony Brassil, Mike Major and Peter Rickards
However, if riskier loans become relatively more costly (i.e. lending standards are tightened), then the credit quality of the average new loan would increase, such that average lending rates would ... We do not currently model losses on business loans,
https://www.rba.gov.au/publications/rdp/2022/2022-01/full.html