The ultimate purpose of the Credit Administration department (CAD) is to ensure the growth of the earning portfolio and to maintain its good quality as such allowing generating sufficient and adequate interest income. This will be achieved through, the following initiatives:

• Adequate facility documentation and underwriting processes
• Robust collection and workout processes
• Adequate and professional dossier Documentation
• Monitor the dossier life cycle

A growth of the loan book with an average rate of 27% per annum over the 3 years and the bank target for the asset quality is a Non Performing Loan (NPL) of 7%.