Overdraft loans are short-term bank loans issued for prompt payment on payment orders when the balance of the client's settlement or current account is insufficient or there are no funds at all. This service is supplementary to the cash and account services provided to corporate clients (legal entities or individual businessmen).

Overdraft is a negative balance on a client's settlement or current account, which may be the consequence of the performance, by the bank, of operations for an amount in excess of the account balance. An overdraft may occur only within the bank’s business day. Negative balances resulting from permitted overdrafts are covered by overdraft loans.

The bank issues overdraft loans within the limits established by overdraft loan agreements. Overdraft limits are agreed with borrowers, and set according to the average monthly deposits made to accounts. While an overdraft loan agreement remains in force, at the end of each business day the bank charges the borrower's account, within the account balance, for the repayment of the debt owed, without notifying or receiving the consent of the borrower. Interest on the balance owed is calculated at the start of each business day of the bank, as per the actual principal owed, on the basis of the actual number of days the borrower uses the funds and the actual number of days in the year.

Overdraft loans allow clients to resolve the problem of making prompt payments during periods when spending temporarily exceeds income. They also allow the bank to issue renewable loans without completing new loan agreements, and this saves clients between 25% and 30% of the nominal interest rates. Regular clients are allowed to receive loans without supplying collateral and they enjoy flexible interest rates that depend on the speed of turnover of funds under overdraft loan agreements.