Loans are split into two categories:

1. Revolving loans / overdraft
   The bank provides easy financing through revolving loans and overdrafts to cover short term capital expenditures (commercial and industrial)
2. Long term financing
   The bank provides easy financing over a specified period of time by covering capital expenditures such as financing property and assets and funding industrial activity growth

Trade bills, resulting from a sell and buy transaction, written by the buyer to the seller’s order who deducts them at the Bank under his own guarantee.

In this case, the one making the deduction (trader or seller) is a client of the Bank. The Bank limits the client to discount the endorsed trade bills resulting from confirmed trade transactions. The limit is renewed yearly.

Interest and commissions are paid in advance at each discount. They are settled in installments per an agreement between the customer and the Bank and according to due dates of the discounted bills.

Loans granted for financing long-term production enterprises. Payment of these loans is linked to the income from the enterprises themselves. The amount of finance and the payment schedule is based on the economic feasibility study prepared by the client.

The Bank participates in financing big enterprises in the public and private sectors through high-value, long-term loans. A group of banks jointly grant loans to companies and establishments with production enterprises, each Bank participating with a specific part of the loan.