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.
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.
Murtuza Rasiwala
Head of Margin and Mortgage Lending
CUSTOMIZED TERMS
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
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
BORROWING ACROSS BORDERS
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.
Murtuza is responsible for overall management of the margin lending offering across Wealth, including product and platform development, origination, and structuring.
He also heads the residential real estate/mortgage team responsible for mortgage origination, underwriting and operations, as well as interface with third-party mortgage servicers.
Previously, Murtuza was Head of Deposits and Mortgages for Citi Private Bank and Wealth at Work Americas.
With nearly two decades of private banking experience, he also led private assets lending and margin and securities-backed lending, working with clients across all global regions.
Murtuza has an MBA in Finance from Nanyang Technological University Singapore. He also holds the Chartered Financial Analyst qualification.
Alessandro is responsible for our margin and securities backed finance team’s business development globally.
Prior to his current role, he worked in enterprise and operational risk management at Citi, serving as Global Head of Technology Risk for the Private Bank and Treasury and Trade Solutions, EMEA Head of Technology Risk, and Western Europe Head of Enterprise Risk Management.
At Citi, Alessandro has also held various leadership roles in the Performance and Measurement group and Asset Servicing Operations group in Markets & Securities Services.
Alessandro holds a master’s degree in economics and business administration from the University of Catania. He has also studied at the Rotterdam School of Management at Erasmus University and the London School of Economics.
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.
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.
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.
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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. *The term “margin loans” refers to margin lending transactions between the client and Citibank, N.A. that are collateralized by the client’s financial assets and are payable on demand. Citibank, N.A. offers these loans, on a discretionary basis, as part of its overall relationship with the client. The value of the margin loan collateral is subject to daily mark-to-market and the margin loans are subject to other terms and conditions applicable to all credit products. Although they share many characteristics, this definition does not refer to the “margin loans” offered by Citigroup Global Markets Inc. under Regulation T. *Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
Citi Private Bank is dedicated to helping dynamic individuals and their families preserve and grow their wealth. Our clients include some of the world’s leading entrepreneurs, executives, investors and their family offices. We provide customized private banking that crosses borders, including some sophisticated services usually reserved for major global institutions.
INVESTMENT PRODUCTS: NOT FDIC INSURED · NOT CDIC INSURED · NOT GOVERNMENT INSURED · NO BANK GUARANTEE · MAY LOSE VALUE.
Citi Private Bank is a business of Citigroup Inc. ("Citigroup"), which provides its clients access to a broad array of products and services available through bank and non-bank affiliates of Citigroup. Not all products and services are provided by all affiliates or are available at all locations. In the U.S., investment products and services are provided by Citigroup Global Markets Inc. "CGMI"), member FINRA and SIPC, and Citi Private Alternatives, LLC ("CPA"), member of FINRA and SIPC and Citi Global Alternatives, LLC (“CGA”). CGMI accounts are carried by Pershing LLC, member FINRA, NYSE, SIPC. CGMI, CPA, CGA and Citibank, N.A. are affiliated companies under the common control of Citigroup.
Outside the U.S., investment products and services are provided by other Citigroup affiliates. Investment Management services (including portfolio management) are available through CGMI, CGA, Citibank, N.A. and other affiliated advisory businesses. Neither Citigroup nor any of its affiliates provides tax or legal advice.
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