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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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Recent Developments in Margin Lending in Australia

10 Dec 2009 Bulletin – December 2009
Arlene Wong
Protected margin loans in effect combine a standard margin loan with a put option on the shares and managed funds purchased. ... The increase in the average loan size partly reflected strong growth in large margin loans (those greater than $10 million);
https://www.rba.gov.au/publications/bulletin/2009/dec/2.html

Statistical Tables

22 Mar 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 These tables are subject to revisions and may be withdrawn or discontinued at any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/

Glossary

22 Jan 2024
A glossary of terms used on the RBA website
https://www.rba.gov.au/glossary/

Box B: An International Comparison of Pass-through of Policy Rate Changes to Housing Loan Rates

10 Feb 2009 SMP – February 2009
Rates on outstanding variable rate loans have fallen by more, though pass-through has still been limited. ... Even on tracker loans, where the pass-through of changes in the bank rate should be automatic, some loan contracts have clauses which allow
https://www.rba.gov.au/publications/smp/2009/feb/box-b.html

Margin Ratios

18 Mar 2024
The Reserve Bank has discretion to vary its margin ratios at any time. ... Additional margin ratio adjustments apply for related parties. (f) Unsubordinated tranches will generally receive the lowest margin within the relevant margin band, while
https://www.rba.gov.au/mkt-operations/resources/tech-notes/margin-ratios.html

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

Bank Interest Rate Margins

10 May 1992 Bulletin – May 1992
The process of setting a customer's margin above the relevant indicator rate varies with the size of the loan. ... For medium-sized loans (up to several million dollars), decisions on customer margins may be taken by regional managers.
https://www.rba.gov.au/publications/bulletin/1992/may/1.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

Semi-Annual Statement on Monetary Policy

10 Nov 1997 Bulletin – November 1997
the ASEAN-4 region), in some cases by a large margin (Table 3). ... loans were much less widely available (at least from banks) and borrowers often needed to take out more than one loan in order to fund a house purchase.
https://www.rba.gov.au/publications/bulletin/1997/nov/2.html

Statement on Monetary Policy

10 Aug 2004 Bulletin – August 2004
Graph A2. Balance-sheet restructuring is also apparent within the banking sector, particularly with regard to non-performing loans. ... In March the PBOC increased the interest rate ceiling on loans to commercial banks and for rediscounting trade bills.
https://www.rba.gov.au/publications/bulletin/2004/aug/1.html