The unutilised balance of an overdraft facility represents spare credit which can be obtained quickly and easily without the prior consent of the bank. Holding such an unused balance will diminish the necessary balance of idle precautionary cash.
isiyotumika urari wa kituo overdraft inawakilisha mikopo vipuri ambayo yanaweza kupatikana haraka na kwa urahisi bila ridhaa ya benki. Holding kama usawa outnyttjade itakuwa kupunguza muhimu urari wa wavivu za tahadhari fedha taslimu.