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.

Temporary overdrafts These are extended mostly to customers with already running facilities but are in need of funds to bridge gaps in their cash flows. These should be repaid in a period of not more than three months within the validity of the running facility and the security held should be sufficient to cover the temporary facility.