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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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Statistical Tables

26 Apr 2024 Statistics
Statistical Tables. This page lists statistical tables for a range of economic and financial data produced by the Reserve Bank of Australia and other organisations. These tables are subject to revisions and may be withdrawn or discontinued at any
https://www.rba.gov.au/statistics/tables/

Competition: Profitability and Margins | Conference – 1991

21 Jun 1991 Conferences
Les Phelps
Suffice to say at this juncture that margins on international business were slim relative to the average margin achieved in Australia. ... So a sensible assessment of the impact of deregulation on margins would need access to the proportion of costs
https://www.rba.gov.au/publications/confs/1991/phelps.html

Changes to Statistical Tables

14 Mar 2024 Statistics
Table E13 – Housing Loan Payments – will provide quarterly data on aggregate payments made by households on housing loans. ... Lending rates; Personal loans; Revolving credit; Home equity loans. Lending rates; Personal loans; Revolving credit;
https://www.rba.gov.au/statistics/tables/changes-to-tables.html

Appendix 1: Summary of Deregulation in Banking and in Deposit and Loan Markets

1 Sep 1995 RDP 9506
Gordon de Brouwer
Loan market. February 1972. maximum interest rate on overdrafts and housing loans over A$50,000 removed. ... Philippines. Date. Banking sector. Deposit market. Loan market. July 1981. interest rate ceilings removed.
https://www.rba.gov.au/publications/rdp/1995/9506/appendix-1.html
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Is Monetary Policy Less Effective When Interest Rates Are Persistently Low? | Conference – 2017

16 Mar 2017 Conferences
Claudio Borio and Boris Hofmann
Lower rates increase the expected recovery from non-performing loans by reducing the discount factor. ... And fully controlling for the various influences, including weakness in loan demand, is not straightforward.
https://www.rba.gov.au/publications/confs/2017/borio-hofmann.html

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
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The Australian Financial System in the 2000s: Dodging the Bullet | Conference – 2011

24 Jul 2000 Conferences
Kevin Davis
and was seen by many as putting pressure on bank margins and loan interest rates. ... That effect was particularly noticeable in the 1990s when the margin between the standard variable housing loan interest rate and the RBA target cash rate fell from
https://www.rba.gov.au/publications/confs/2011/davis.html

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

21 Jun 2023 RDP 2023-05
Callan Windsor, Terhi Jokipii and Matthieu Bussiere
Our analysis confirms the empirical regularity that declining interest rates reduce banks’ net interest margins. ... impact of lower rates on loan-loss provisions and other factors, including an increased focus on cost efficiencies and streamlining
https://www.rba.gov.au/publications/rdp/2023/2023-05.html
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The Evolving Structure of the Australian Financial System | Conference – 1996

9 Jul 1996 Conferences
Malcolm Edey and Brian Gray
There was also concern that heavy loan-losses incurred by banks made them reluctant to cut gross margins. ... They also introduced reduced-rate loans like ‘honeymoon’ loans and ‘no-frills’ loans.
https://www.rba.gov.au/publications/confs/1996/edey-gray.html

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,
https://www.rba.gov.au/publications/rdp/2022/2022-03/credit-loss-modelling.html
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