Abay Bank S.C. is providing Loans and Advances to the following Economic Sectors in the form of Term Loan, Overdraft Facility and Revolving Facilities.

1. Agriculture,
2. Manufacturing and Industry,
3. Domestic Trade and Service,
4. International Trade:
   1. Export,
   2. Import,
5. Hotels and Tourism,
6. Transport and Communication,
7. Building and Construction,
8. Mines, Power and Water Resources,
9. Consumer Loan:
   1. NGO staff Loan,
   2. Diaspora Mortgage Loan

In addition, the bank has introduced special facilities to the society like:

• Diaspora Investment Loan,
• Loan for Private Employment Agencies and Overseas Workers,

Its credit Products include:

• Overdraft facility, Overdrawal facility and Temporary Overdrafts,
• Merchandise Loan,
• Import Letter of Credit and Import Letter of Credit Settlement Loan,
• Pre-shipment Export Credit Facility, Revolving Export Credit Facility and Advance on Export Bills,
• Long Term Project Financing – independently or through Syndicate arrangement,

It has also arranged credit facility to:

• Micro - Finance Institutions,
• Municipalities, City and Towns,
• Entrepreneurs,
• Consulting Firms and
• Other banks.

Guarantee Facilities

The bank is also issuing various forms of Local Guarantees up on request of customers like:

• Bid Bond Guarantee, Performance Bond Guarantee, Advance Payment Guarantee, Suppliers Credit Guarantee and others.