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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

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

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

Bulletin

18 Apr 2024 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/

Semi-Annual Statement on Monetary Policy

10 May 2000 Bulletin – May 2000
Graph 18. Loan approvals and building approvals data, moreover, point to further substantial increases in dwelling investment. ... In part, this strength has been driven by further increases in the average value of a new housing loan.
https://www.rba.gov.au/publications/bulletin/2000/may/1.html

2.2 Operations in Financial Markets

19 Oct 2023 RBA Annual Report – October 2023
Operations in Financial Markets | Reserve Bank of Australia Annual Report – October 2023
https://www.rba.gov.au/publications/annual-reports/rba/2023/operations-in-financial-markets.html

Recent Developments in Interest Rates on Bank Lending

10 Apr 1999 Bulletin – April 1999
At the same time, some banks also announced fixed risk margins for loans secured by commercial property or business assets. ... For ‘larger’ small business loans, margins in Australia might still be a little wider than in the United States.
https://www.rba.gov.au/publications/bulletin/1999/apr/1.html

Notes to and Forming Part of the Financial Statements

19 Oct 2023 RBA Annual Report – October 2023
Cash collateral provided. 859. 25. 2.9. Gold loans. 457. 1. 0.1. ... Gold borrowed under gold swaps. 66. 3. 3.9. Loans, advances and other.
https://www.rba.gov.au/publications/annual-reports/rba/2023/financial-statements/notes.html

Notes to and Forming Part of the Financials Statements

27 Oct 2022 RBA Annual Report – October 2022
Interest is accrued over the term of the loan and is paid at maturity. ... Cash collateral provided. 267. 0. 0.1. Gold loans. 478. 0. 0.1.
https://www.rba.gov.au/publications/annual-reports/rba/2022/financial-statements/notes.html