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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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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.

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.

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.

Bulletin August 2001 – Statement on Monetary Policy

10 Aug 2001 Bulletin
Or was their timing simply delayed, with businesses temporarily absorbing cost impacts in their margins? ... Heightened concerns about the size of the non-performing loan book for Japanese banks also depressed Japanese share prices.

BA-MARTIN in Detail

18 Jan 2022 RDP 2022-01
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).

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

Data Availability

6 Sep 2023 Chart Pack
Data availability for graphs included in the Bank's monthly ‘Chart Pack’

Household and Business Finances in Australia

6 Apr 2023 FSR – April 2023
Household and Business Finances in Australia | Financial Stability Review – April 2023

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.
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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.