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Margin & securities backed finance

We enable qualified clients to borrow at competitive rates against investments including equities, cash and equivalents, bonds, and mutual funds.

Margin & securities backed finance
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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.

Rather than selling any existing investments to meet such needs, you might consider entering into a margin and securities backed finance (MSBF) loan.

With $25.3 billion of liquidity provided globally, our MSBF 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.

An MSBF loan allows you to keep your investment strategy intact, potentially deferring taxes, 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.

Murtuza Rasiwala
Head of Banking, Custody, Escrow and MSBF - Americas
How we serve you
Customized terms
Our MSBF specialists work closely with you and your Private Banker to determine a suitable financing strategy, taking a holistic view of your assets and liabilities.

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.

Mitigating Risk
While MSBF loans can help you get more out of your assets, they also come with risks.

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 notices

Learn more
Borrowing across borders
The global nature of our business enables us to lend against assets owned in other jurisdictions.

For example, we may lend against securities held in Singapore 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.

Meet our people

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Murtuza Rasiwala caricature
Murtuza Rasiwala
Head of Banking, Custody, Escrow & MSBF
Americas

Murtuza leads a team of banking, custody, escrow and margin and securities backed lending professionals, who work with clients in North America and Latin America to address their financing, liquidity, safeguarding, portfolio administration, and risk mitigation needs.

Murtuza has over 15 years of private banking and margin lending experience. Previously, he was the Global Head of Margin and Securities Backed Lending at Citi Private Bank. Earlier in his career, he was a member of the Private Bank Investment Finance team for nine years, based in Asia. 

Murtuza holds an MBA in finance and the Chartered Financial Analyst and Financial Risk Manager designations.

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James Grimes caricature
James Grimes
Head of Margin and Securities Backed Finance Sales
North America

Jim originally joined Citi in 1999 as a Financial Controller in CitiCapital Material Handling Finance. In 2005, he transitioned into the role of Credit Officer for CitiCapital Material Handling Finance and later that year graduated from Citigroup Commercial Credit College.

In 2006, Jim joined Citi Private Bank’s Investment Finance team as a Portfolio Manager. Over the past decade, he has provided clients with tailored lending solutions. Most recently, he has served as Margin and Securities-Backed Finance Transactor for Metro New York.

Prior to joining Citi, Jim held roles at PricewaterhouseCoopers LLP as a Senior Auditor and Credit Lyonnais as an Accountant.

Jim received his bachelor’s degree from Fordham University. He is also a Certified Public Accountant.

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Dale Walsh sketch
Dale Walsh
Head of Margin and Securities Backed Finance
Europe, Middle East & Africa

Dale is responsible for our margin securities backed finance (MSBF) offering across the region. Previously, he was a senior investment finance transactor, originating and underwriting lending transactions across areas including MSBF, subscription credit finance and commercial real estate. He is a Senior Credit Officer.

Having joined the Private Bank in 2004, Dale served in investment finance roles covering MSBF and residential real estate, including as a transactor in the risk team as part of the Special Assets Recovery Group. He also worked for Citi’s Corporate Bank in the shipping and aviation teams.

Dale holds a bachelor’s degree in politics from the University of Liverpool.

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Nandagopal Nair caricature
Nandagopal Nair
Head of Banking Solutions and Margin Lending
Asia Pacific

Nandu has overall responsibility for meeting clients’ banking and margin lending needs across Asia Pacific.

Since joining Citi in 1994, he has served in the Corporate, Consumer and Private Banks.

He brings 25 years of industry experience to clients, including roles in trading, sales, treasury and wealth advisory.

Nandu has a bachelor’s and an MBA from the Indian Institute of Management.

Contact us

To help us put you in touch with the right advisor or team, please answer the following questions.

The risk of loss in financing a transaction by deposit of collateral is significant. You may sustain losses in excess of your cash and any other assets deposited as collateral with the lender or the lender's agent. Market conditions may make it impossible to execute contingent orders, such as "stop-loss" or "stop-limit" orders. You may be called upon at short notice to make additional margin deposits or interest payments. If the required margin deposits or interest payments are not made within the prescribed time, your collateral may be liquidated without your consent. Moreover, you will remain liable for any resulting deficit in your account and interest charged on your account. You should therefore carefully consider whether such a financing arrangement is suitable in light of your own financial position and investment objectives. You are not entitled to choose which securities or other assets in your account(s) are liquidated or sold to meet a margin call. The firm can increase its margin requirements at any time and is not required to provide you advance written notice. You are not entitled to an extension of time on a margin call. Citi has the right to demand repayment of a demand facility at any time, for any reason or no reason. All credit products are subject to credit approval.
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