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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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6 Oct 2022 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia

Regulatory Competition and the “Generic” Financial-Services Firm | Conference – 1991

21 Jun 1991 Conferences
Ed Kane
Institutions with this incentive structure were attracted to a promotional strategy of rolling the dice in booking risky loans and accepting unsustainably low risk-adjusted profit margins. ... At the same time, federal authorities have chosen not to

The Consequences of Low Interest Rates for the Australian Banking Sector

29 Dec 2022 Conferences PDF 1221KB
RBA Annual Conference 2022

The Australian Financial System

7 Oct 2022 FSR – October 2022
Higher interest rates could also result in lower collateral values of assets that secure loans. ... greater proportion of loans with higher loan-to-income (LTI) ratios, there is little evidence that these risks have increased in a material way overall.

Semi-Annual Statement on Monetary Policy

10 May 1998 Bulletin – May 1998
An indication of the weakness of these balance sheets is that loans outstanding to bankrupt companies were at their highest-ever level in 1997. ... In the three months to February, the value of loan approvals for housing was 18 per cent higher than a

List of tables

10 Nov 2008 SMP – November 2008
0.00. 2.09. Personal loans. Margin loans. 10.12. 0.43. 1.15. Standard credit cards. ... 14.84. 0.06. 2.22. Small business. Term loans. Residentially secured. 9.41. 0.69.

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.

Box B: Recent Trends in Personal Credit

10 Feb 2020 FSR April 2018 PDF 640KB

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.

Credit Loss Modelling

20 Sep 2022 RDP 2022-03
Nicholas Garvin, Samuel Kurian, Mike Major and David Norman
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,