Through Treasury, the Bank offers a variety of money market products and instruments to
its investng customers. The following are some of the products on offer:

Treasury Bills

These are sovereign debt raising instruments, which can be traded both on a buy-back or
outright basis. Since yields are mostly quoted as a basis for bench marking general market rates,
returns on these instruments are very competitive.

Bankers Acceptances (“BAs”)

These are acceptance credit linked instruments issued by financial institutions and backed by
borrowing corporates. The Bank’s BAs are confined to quality lendings with well thought risk
mitigating structures.
The rates of return on these instruments are also very competitive .

Government Stocks/ Municipal or Parastatal Bills and Bonds

Also traded on a buy-back or outright basis. These are fund raising instruments used by
Government, Municipalities and Parastatals to raise long dated money from the market. These
instruments have prescribed asset status, carry an irrevocable Government guarantee and are
also tradable on the secondary money market.

STRUCTURED FINANCE

Clients can obtain value from the Bank's skills base with respect to the provision of structured finance
deals. These structures are aimed at enhancing profitability on the clients' surplus resources or
minimising costs on loan structures. The Bank has done sizeable structures for clients for both blue -
chip corporates and medium sized entities in Zimbabwe.

Fixed Term Deposits

Fixed Term Deposits offer a low-risk way of saving while guaranteeing fixed returns on investments,
over the agreed term of the investment. Interest rates are very competitive, and in line with trends. Fixed
term deposits are especially ideal where an investor wants to know their exact return, and its timing, for
cash management purposes.

Foreign Exchange

The Bank engages in foreign currency dealing and management on behalf of clients.

Enhanced Interest Call Account

This is a high interest demand deposit account, designed to pay higher than market interest rates on
balances above an agreed minimum threshold. Interest rates also vary with market conditions, ensuring
that returns are directly linked to prevailing market conditions. In this way, clients can earn rates
comparable to fixed term deposits, and still be guaranteed of immediate access to their funds. The
account also enables clients to access other value-added services and products which the bank offers.