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RBA Glossary definition for margin payment
margin payment – A payment made to meet a margin call, to cover an adverse movement in the price of physical assets, such as equities or units in managed funds, or derivatives, such as futures, options or swap contracts.
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Sectoral Trends in Funding Patterns in the Australian Economy | Submission to the Financial System Inquiry – March 2014 | Financial Sector…
1 Mar 2014
Submissions
Businesses use funds to finance investment, pay interest on debt and make distributions to shareholders (via dividend payments and share buybacks). ... Liaison suggests that smaller business creditors often have their payment terms unilaterally extended
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sectoral-trends-in-funding-patterns.html
The Next Ten Years | Supplementary Submission to the Financial System Inquiry – 13 January 1997 | Financial Sector | Submissions
13 Jan 1997
Submissions
25. Another area where non-bank competitors are entering is in the payments system. ... As explained in Chapter 2, there are various levels of the payments system.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-supplement-1997/next-ten-years.html
Background: Financial System Trends | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
The most prominent example has been the cross-subsidisation by banks of their payments services (cheque-clearing in particular) from the margin between interest received on loans and paid on deposits. ... This margin also funded the banks' extensive
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/background-financial-system-trends.html
Competition, Efficiency and Innovation in Banking | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
A more comprehensive measure of bank margins, though still an imperfect one, is the net interest margin – which is closely linked to the difference in banks' average lending and borrowing rates. ... Competition in card payment systems is also observed
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/competition-efficiency-and-innovation.html
Funding Bank Supervision | Submission to the Financial System Inquiry – 6 September 1996 | Financial Sector | Submissions
6 Sep 1996
Submissions
If such benefits exist, the ‘user pays’ principle suggests those institutions enjoying them should make a payment in return, otherwise they enjoy a public subsidy. ... A payment for this service could be made by these beneficiaries, through their
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-1996/funding-bank-supervision.html
Key Financial Developments Since the Wallis Inquiry | Submission to the Financial System Inquiry – March 2014 | Financial Sector |…
1 Mar 2014
Submissions
Value exchange: a way of making payments. Intermediation: a way of transferring resources between savers and borrowers. ... In the late 1980s the average net interest margin of the major banks was above 5 percentage points.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/financial-developments-since-wallis-inquiry.html
Trends in Lending | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Interest-only loans, especially among investors, for whom the reduced payments and potential for increased tax benefits are important. ... These factors, along with increased risk appetite among banks, have seen risk margins begin to decline from their
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/trends.html
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions
8 Aug 2007
Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/
Lending Rates | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
It also partly resulted from a decrease in risk margins charged by lenders. ... Since then, spreads on new loans have declined a little, although the average margin on outstanding loans has continued to rise slowly as margins on new loans are still above
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/lending.html
Executive Summary | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions
1 Mar 2014
Submissions
The Bank's payments system reforms, overseen by the Payments System Board (PSB), have focused on improving competition and efficiency in payment systems, consistent with maintaining stability and effective management of ... The Reserve Bank has exercised
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/executive-summary.html