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Get more out of your assets with Citibank Portfolio Finance

What is Citibank Portfolio Finance?

Citibank Portfolio Finance enables you to borrow at competitive rates against a broad range of financial assets as collaterals, including cash and equivalents, equities, bonds, mutual funds and structured notes, to meet liquidity needs and investment opportunities.

Borrow at a competitive rate over other financing options using eligible financial assets as collateral

Finance investment opportunities or general liquidity needs

Drawdown loans in local and major foreign currencies

View details on Citi Mobile® App anytime, anywhere

No interest charges for setting up Citibank Portfolio Finance facility until loan drawdown

Flexible loan tenor that fits your needs

Discover Citibank Portfolio Finance for Investments

With the Citibank Portfolio Finance Simulator below, you can now simulate the illustrative effect of Citibank Portfolio Finance on your investment portfolios, as well as the Margin Call process employed by the Bank.

Simulate the Effect of Citibank Portfolio Finance on Investments
Initial Capital
Expected Coupon/Dividend Yield (p.a.)
Portfolio Loanable Value
Requested Loan Amount
Maximum Loan Amount Investment Leverage
Total Investment Amount
Estimated Loan Interest Rate (p.a.)
  • Return Analysis
  • Margin Call Analysis
Key Feature of Citibank Portfolio Finance: While Citibank Portfolio Finance could amplify the gains on your investments, negative price movements could amplify losses.

Slide to see how price movements amplify the gains and losses of your investments with/without Citibank Portfolio Finance. The effect of a price movement of % is reflected in the results below, based on a period of 1 year.

Investment Return %
Without Citibank Portfolio Finance
With Citibank Portfolio Finance
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Key Feature of Citibank Portfolio Finance:While Citibank Portfolio Finance could help you get more out of your assets, a Margin Call or Force Sell may be triggered if the level of margin is insufficient due to negative price movements or changes in Portfolio Loanable Value.

Slide to see how price movements in investments may result in you being subject to a Margin Call. The effect of a price movement of % is reflected in the results below, based on a period of 1 year.

Margin Call/Force Sell Levels with
Citibank Portfolio Finance
Requested Loan Amount
Initial Capital
Margin Call Level Force Sell Level
Based on the inputs, Margin Call and Force Sell are triggered following a and fall in the Total Investment Amount.

The risk of Margin Call and Force Sell could be reduced by lowering the level of Investment Leverage. This is illustrated in the table below.

Simulation based on Input Simulation at various Investment Leverage (%)
Leverage (%)
Buffer to Margin Call (MV %)
Buffer to Force Sell (MV %)

MTM refers to the mark-to-market value of the investments, based on a period of 12 months. In the above simulation, it is assumed that the loan currency and collateral currency are the same.

The information and figures provided above do not constitute an offer to sell nor is it a solicitation of an offer to enter into a Citibank Portfolio Finance transaction. The information set out above is intended for informational and illustrative purposes only and does not constitute actual, past or predicted performance or returns, but are calculated and derived based on the parameters provided by you. The maximum and minimum values of the input fields are solely for illustrative purposes, and do not represent the actual offering upon entering into a Citibank Portfolio Finance transaction.

The scenarios depicted are neither exhaustive nor mutually exclusive. The scenarios and rates shown above are for a 1-year period return, and are not indicative of actual and/or future performance or returns. The above assumes the Loan Interest Rate and Coupon/Dividend Yield remain the same over the 1-year period, actual loan interest rates and coupon/dividend yield are subject to change. If the currency of the loan is different from the currency of the underlying investments, foreign exchange rate risk implications may affect the value of the loan and underlying investments. Prior to entering into a transaction, you should understand the product and its associated risks in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances.

Risk of Citibank Portfolio Finance

Key Risk Disclosures:

The following risk disclosures are not exhaustive description of all the risks involved, but a general statement of the risks commonly associated with Citibank Portfolio Finance.

Is Citibank Portfolio Finance Suitable for me?


Citibank Portfolio Finance is suitable for you if:

  • You wish to enhance your potential investment returns and are willing to take on higher risks.
  • You are investing in securities/investment products that could pay you regular coupons/dividends. If the coupon payments or dividends are higher than the interest charged on your facility, it can help to offset the cost of your borrowing.
  • You have spare cash available. This is because in the event that your investments decline in market value below the stipulated margin call levels or when the loanable value of the collateral drops (as determined by the Bank from time to time), you may be required to pay down a portion of the facility or place additional securities as collateral. Having spare cash available will also mean that you have the ability to pay down the facility should the cost of borrowing rise during the tenure of your investment.

You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Citibank Portfolio Finance transaction. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether a Citibank Portfolio Finance is suitable for you in light of your investment objectives, financial means and risk profile. When used wisely, Citibank Portfolio Finance could be an effective way to manage your total portfolio.

Contact your Relationship Manager or refer to the Client Brochure to learn more about Citibank Portfolio Finance.