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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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Box D: Enhancing the Transparency of Interest Rates

6 Feb 2020 SMP – February 2020
Mortgage rates vary across interest-only and principal-and-interest repayments, variable- and fixed-rate loans, loan sizes and loan-to-valuation ratios (LVRs). ... Personal finance also includes margin loans – which are loans that enable households to
https://www.rba.gov.au/publications/smp/2020/feb/box-d-enhancing-the-transparency-of-interest-rates.html

Bulletin September Quarter 2023

15 Feb 2024 Bulletin - September 2023 PDF 8611KB
https://www.rba.gov.au/publications/bulletin/2023/sep/pdf/bulletin-2023-09.pdf

Banks' Funding Costs and Lending Rates

10 Mar 2012 Bulletin – March 2012
Cameron Deans and Chris Stewart
Likewise, there was little change in the risk margins banks used to determine loan rates. ... outstanding loans is likely to reflect the gradual repricing of facilities (Graph 10).
https://www.rba.gov.au/publications/bulletin/2012/mar/5.html

List of tables

10 Nov 2009 SMP – November 2009
0.20. 3.40. Personal loans. Margin loans. 8.16. 0.15. 2.42. Standard credit cards. ... Term loans. Residentially secured. 7.48. 0.38. 2.61. Other security. 8.27. 0.38.
https://www.rba.gov.au/publications/smp/2009/nov/tables.html

The Consequences of Low Interest Rates for the Australian Banking Sector

19 Dec 2022 RDP PDF 1588KB
loan losses include Hess, Grimes and Holmes (2009), Bilston, Johnson and Read (2015),. ... margins (NIMs, a key component of profitability). Because banks’ discretionary loan and deposit.
https://www.rba.gov.au/publications/rdp/2022/pdf/rdp2022-08.pdf

Bulletin June Quarter 2023

29 Sep 2023 Bulletin - June 2023 PDF 7089KB
https://www.rba.gov.au/publications/bulletin/2023/jun/pdf/bulletin-2023-06.pdf

The Impact of Interest Rates on Bank Profitability: A Retrospective Assessment Using New Cross-country Bank-level Data

8 Jun 2023 RDP PDF 1310KB
the drag from lower interest margins. JEL Classification Numbers: E52, F34, F36, G21. ... excluding the value of interest income and interest expense. Loan-loss provisions ( LLP )(a) The ratio of LLPs (or impairment expenses) to cover non-performing loans
https://www.rba.gov.au/publications/rdp/2023/pdf/rdp2023-05.pdf

Bulletin September Quarter 2020

9 Jun 2021 Bulletin - September 2020 PDF 5941KB
https://www.rba.gov.au/publications/bulletin/2020/sep/pdf/bulletin-2020-09.pdf

Competition and Profit Margins in the Retail Trade Sector

20 Jun 2019 Bulletin – June 2019
Matthew Carter
Net profit margins have declined for both food and non-food retailers over recent years.
https://www.rba.gov.au/publications/bulletin/2019/jun/competition-and-profit-margins-in-the-retail-trade-sector.html

Introduction

1 Feb 1992 RDP 9202
Jerome Fahrer and Thomas Rohling
RDP 9202: Some Tests of Competition in the Australian Housing Loan Market 1. ... the reactions by each bank to the value of loans made by other banks.
https://www.rba.gov.au/publications/rdp/1992/9202/introduction.html
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