Internet Banking
Internet Banking




Agricultural loans and advances are extended to customers involved in agricultural activities for purchase of agricultural machines, land excavation, irrigation, agricultural civil works, agricultural implements, other fixed financing investments and/or working capital.

Building and Construction

The building and construction loans and advances are extended to customers engaged in the construction, maintenance and renovation of residential, commercial buildings or industrial, road, dam and other constructions.

Domestic Trade & Service

The Domestic trade and services is a generic name given for those economic activities engaged in the distribution of agriculture products, locally manufactured and imported goods as well as services to the end user. The primary function of the domestic trade and service is to bridge the gap between production and consumption.

Domestic Trade and Services are broadly classified into five main categories: agricultural products, manufactured products (locally and imported), cottage and handicraft industries products, mined products and services.

Financial Institutions

This type of facility is extended for financial institutions: some Loans and advances extended for financial institutions are: Micro-Finance Institutions, Banks, Insurance Companies and others.

Hotel And Tourism

This type of facility is provided to promote the hotel and tourism sector and other directly or indirectly related sectors with tourism.

Import & Export

Loan For Import 

Import loans and advances are facilities availed to assist working capital requirements for import business, like food items, building materials, machinery and transport, textile and clothing, electronics, household, Office furniture etc.

Loan For Export

Export loans and advances are credit facilities extended to exporters for purchase of exportable commodities, processing, manufacturing or packing and capital investment for export.

Export loans and advances may also include those facilities granted to exporters to finance working capital requirements of their export oriented farms (for purchase of seeds, fertilizers and pesticides for export oriented farms) and directly export their produce to foreign markets through the Bank. To consider agriculture fixed investment loans (agricultural machines, land excavation, irrigation, agricultural civil works, agricultural implements and other fixed financing investments) and other sector fixed investment loans under export category.


Manufacturing loans and advances are extended for customers engaged in production of goods. The credit facilities are advanced for financing of working capital (i.e. purchase of raw materials, basic and auxiliary materials, packaging materials, intermediate goods, work in progress, labour and etc.) for purchase of machinery and equipment, construction of factory warehouse, office buildings and etc.


This type of facility is extended to transport sectors. Some of transport loans and advance are: Dry freight cargo, Liquid freight cargo, Public Transport services, Automobiles for Staff, Automobiles for others, Air Transport – Cargo & Passenger, Marine Transport – Cargo & Passenger and others.

Maine, Power & Water

This facility is emphasize on products extended for exploration and extraction of minerals; power generation and water development businesses.

Credit Products


     An overdraft is a form of short term credit facility by which a customer may be allowed to draw beyond his/her/its current account up to a prescribed limit. The facility is usually used to bridge short-term working capital constraints arising in business between receipt of funds and disbursement of funds.

Temporary Overdraft 

     Temporary overdraft facility is an overdraft account that allows for a deserving customer to draw a specified amount of fund over and above the overdraft limit or current account in order to meet unexpected seasonal cash shortage.


     An overdrawal is a temporary facility that allows a deserving customer to draw a specified amount of fund over and above the overdraft limit in order to meet unexpected seasonal cash shortage.

Term Loans

     Term loans are credit facilities with structured repayment to be effected within a certain period of time. Repayments of a term loan shall be in line with the cash flow program of the customer and nature of business.  A term loan’s repayment can according is monthly, quarterly, semi annually, annually or at lump sum payment.

Merchandise Loan

     A Merchandise loan is a short term credit facility provided by the Bank against physical pledge of merchandise good or documentary evidence (letter of credit, export documents, warehouse receipt…) as collateral for the loan. Merchandise loan shall be availed for a period of six months but depending on the nature of the business, revolving merchandise loans can be availed which are renewable every six months.

Letter of Credit Facility

     The Bank approves letter of credit at appropriate margins depending on the credit worthiness of customers, the nature and marketability of products to be imported. LC facility is a credit product that the Bank extends to importers, upon payment of a certain percentage of the value of L/C. Accordingly, L/Cs are opened with a certain percentage of margins and settled upon arrival of documents. The facility can be either for one time or revolving (i.e. for a specified period of time – usually one year).

 Advance on Import Bills

      It is a provisional account opened to record value of L/C documents received less margin paid until such time that the importer settles the bill and collects document to clear the goods from customs/port. The document should be cleared by the customer upon arrival.

Export Trade Financing

     Export trade financing refers to the credit facilities extended to exporters as pre-shipment and post-shipment.

Project Financing

     Project financing is an area where the Bank is involved and finance projects in the medium and long term range.

Guarantee Products

     Guarantee products are contingent liabilities which include all types of guarantees such as advance payment guarantees, bid bond guarantees, performance guarantees, retention money, customs bond etc.