Overdraft Loan

GTB has been issuing the overdraft loans in accord with the instructions of the Central Bank of Myanmar to fulfill the needs of the businesses requiring the Working Capital.

Term Loan

According to Directive 7/2017 dated 24th November of 2017 issued by the Central Bank of Myanmar, GTB has been providing the term loans for a period of three years to fulfil the requirements of the Fixed Term loans to enable extension of the business enterprises. The term loans can be repaid either lump sum or 20% of the principal as the first instalment in the first year, another 20% as the second instalment in the second year and the remaining 60% in the third year.When the three-year term loan has been repaid in full, the loan can be extended for one more year.

Unsecured Loan

Commencing from May of 2020, GTB has been issuing the unsecured loans as a new type of loan in accordance with the instructions of the Central Bank of Myanmar with an annual interest rate of 15 per cent plus one per cent service charges for a term of one year. In addition to the secured term loan, the customers can apply for unsecured loans to extend their business activities.As per CBM directive 8/2024 dated 14 August 2024 the maximum interest rate that banks may charge on all loans has been set at 15%.

Project Loan

GTB has also been providing project loans to the companies and individual customers who have won the tender for the projects being implemented with the funds of either the Union Government or the State/Region Governments. The loans are being issued by the branches with the approval of the GTB Head Office as well as in accord with the instructions of the Loan Department.

Market Loan

GTB has also introduced a new loan called the Market Loan to the shopkeepers from within the bounds of the Development Department Areas in Regions and States. In so doing, GTB formulated projects to earn income from the Market Loan issued to the Shopkeepers.

Government Staff Loan

In July of 2017, GTB issued the government staff loan to the government employees, (staff from education department and departmental personnel) amounting to their three-month salary.

Hire Purchase Business

Beginning from May of 2012, the Global Treasure bank, in cooperation with the 11 major companies, has been engaged in sale of machinery, flats, home, used cars, business used motor vehicles and construction machineries. Focus has been laid upon selling of home used vehicles and construction industry used heavy machineries. In 2023-2024 Financial Year, we got 173 customers, and earned a total income of Ks 140.21 million from interest, service charges and sale commission