Overdraw Line — Loans receivable excluded from total amount, threshold

How to read this metric

An increase in this metric suggests higher utilization of overdraft facilities or a strategic shift in how the bank classifies short-term credit products, while a decrease may indicate tighter credit standards or reduced customer reliance on overdraft protection.

Detailed definition

Peer comparison

Peers often report overdraft lines within consumer credit or personal loan categories, though specific exclusion thresholds vary based on internal accounting policies and regulatory reporting requirements.