Overdrafts / lines of credit: This will be available to customers who require working capital with a defined repayment program for a period not exceeding 24 months. This will also be available to salary earners for a period not exceeding 24 months.This should constitute about 70% of the credit portfolio.

Short - term overdrafts /loans: Up to one year and this will be the type of credit for specific commercial transactions, transport, agricultural loans and services. This should constitute about 20% of the credit portfolio.