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Dashen Bank
offers loans for diverse credit needs bringing
flexible borrowing options.
Loan Portfolio
Management |
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In an effort to participate in the economic
development of the country, Dashen Bank plays an
important role as a financial intermediary. In
other words, it acts as bridge between those
sections of the society that save and those that
seek to invest or expand their ventures but have
financial constraints to do so. In line with this,
the bank mobilizes idle funds from the public and
channels the same to sectors of the economy where
they will be utilized most effective.
In Dashen we employ loan portfolio management as a
mechanism to control risks. In addition to a
prudent evaluation of the credit worthiness of
loan applicants, the bank also controls risks by
diversifying its loan portfolio.
Dashen grants loans and advance to various sectors
of the economy on the strength of viability and
assessment of concentration risk. Thus, all loans
of all types and terms need to be spread among the
categories of loans recognized by the bank.
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Major types of credit
facilities |
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Overdraft
(for working capital) |
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Term loans (Short and project finance) |
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Letter of credit facility |
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Advance on import bills |
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Revolving overdraft (for export bills) |
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Merchandise loan |
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Trade bills discounted |
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Export credit guarantee scheme |
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Letter of guarantee (Advance, Performance and
Bid Bonds) |
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Typical Loan Categories |
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