Loan Type Dimension A list that identifies loan types. Interest Bearing Means a contractual interest rate of greater than zero applies. Trade Finance The provision of credit for the purpose of facilitating trade transactions. The finance relates to and is directly underpinned by the movement of goods or the provision of services such as documentary trade letters of credit, documentary and clean collection, import bills, export bills and shipping guarantees. Revolving Credit Not Margin Loan Not Credit Card Means lending facilities that the borrower may repeatedly draw down, in part or in full up to an authorised credit limit, and repay any credit drawn, in part or in full, on multiple occasions without the facility being cancelled, apart from credit cards and margin loans. Repayments (other than of charges and interest) reduce the borrowings, thereby increasing the amount of unused credit available. Credit Cards A card whose holder has been granted a revolving credit line. The card enables the holder to make purchases and/or cash advances up to a pre-arranged limit. The credit granted can be settled in full by the end of a specified period or in part, with the balance taken as extended credit. Interest Free Means a contractual interest rate equal to zero applies. Syndicated An extension of credit where the funds are jointly provided by two or more lenders. Revolving Credit The reported information relates to lending facilities that the borrower may repeatedly draw down, in part or in full up to an authorised credit limit, and repay any credit drawn, in part or in full, on multiple occasions without the facility being cancelled. Repayments (other than of charges and interest) reduce the borrowings, thereby increasing the amount of unused credit available. Includes facilities with a fixed-term that meet this criteria. Margin Loans The provision of secured loans to investors for the purpose of purchasing financial assets. The purchased assets are generally used as security for the margin loan. Fixed Term Loans The reported information relates to loans extended for a fixed period, with a maturity date by which the loan must be repaid. Repayments over the fixed period reduce the credit outstanding and do not make further finance available.