We enable qualified clients to borrow at competitive rates against investments including equities, cash and equivalents, bonds, and mutual funds.
Keeping your core investment portfolio fully invested for the long-term is one of the most important recommendations that we make.
But we also recognize that you may have liquidity needs from time to time, whether planned or unplanned. We therefore offer securities backed lending to borrow against your portfolio.
Rather than selling any existing investments to meet such needs, you might consider entering into a margin loan.
With $25.3 billion of liquidity provided globally, our margin lending program enables borrowing at competitive rates using a broad range of financial assets as collateral.
These include cash and cash equivalents, equities and bonds, exchange traded REIT shares, mutual funds and ETFs, Citi-distributed structured notes, and hedge funds.
A margin loan allows you to keep your investment strategy intact, retaining dividends, and preserving other benefits of ownership.*
You can use the funds from such a loan for a variety of purposes including making other investments, seeking enhanced yields, purchasing real estate, repaying debt or for other personal needs.
We help you to get more out of your assets.
Our dedicated team is experienced in structuring bespoke strategies to provide clients liquidity using their financial assets as collateral.
Given our strong balance sheet, there are minimal restrictions on the size of loans we can make to eligible borrowers with sufficient collateral.
The credit lines and loans we arrange are available in multiple currencies, according to your needs.
We therefore seek to help you avoid the hazards of excessive leverage and receiving a margin call.
Our portfolio analytics specialists can perform an analysis of your leverage, highlighting the risk of your receiving a margin call based on market moves during past episodes of financial stress.
In the case of adverse market fluctuations that cause a decline in the market value of securities, we employ a unique two-step margin call process, which includes both top-up and sell out noticesLearn more about mitigating risk
For example, we may lend against securities held in Hong Kong to finance the purchase of a residential property in London.
Our specialists around the world work together as one team to help achieve cross-border solutions.
To help put you in touch with the right advisory or team, please answer the following questions.