If the lending bank and the client-borrower agree on a margin between the collateral provided to the bank for the loan and the size of the loan, this margin is expressed in the form of a rate. If the value of the collateral decreases or the size of the credit granted increases, the bank has the right to require the collateral to be increased to the level at which the agreed margin is reached. In situations where the client is unable to provide collateral, the loan is immediately repayable; the bank thus has a right of realisation if necessary.