Gross loan is the total amount of credits given to banks during the accounting period . Liquidity of the bank can be judged on the amount of its loans. Liquidity of the credit institutions is directly related to the refinancing needs.

Gross loan is the total amount of loans, refinanced by credit institutions subject to the Central Bank . The Central Bank, as the lender of last resort , provides loans to commercial banks and other credit institutions, where the banks themselves are unable to maintain their solvency through other means. The Central Bank gives loans to the banks to the refinancing interest rate, which is minimal and may vary, depending on the type of services the given bank provides.