Acting DBN Head of Lending, Heike Smith. n the second quarter of 2013, the Development Bank of Namibia (DBN) approved loans totalling N$ 207 million, said DBN Acting Head of Lending, Heike Smith. Of this, 63.4 per cent was allocated to larger private sector projects and 36.6 per cent was approved for the SME sector. Private sector loan approvals amounted to N$ 131.3 million and loan approvals to the SME sector amounted to N$ 75.7 million.