JNB can serve as a lending agent for government agencies and corporate clients.  The client provides the loan funds, bears all risks, and defines the target borrower, loan use, amount, duration and interest rates. JNB, as the agent of the client, disburses the loan, monitors its use, and helps to recover it.

Government agencies at all levels and corporate clients may take advantage of this legal and standardized financial product to manage the cash, make investments, provide financing, yield financial leverage gains, and realize the flow of funds. JNB branches that are authorized for credit business may provide this service.