Negotiable debt securities issued by a credit establishment that borrows them from legal or natural persons.

Who can benefit?

Any individual person holds an account in dinars open at one of our counters

Characteristics

• Nature: debt securities on behalf of the subscriber and issued at par
• Amount: multiple minimum of 500 000DT
• Period: From 10 days to less and 5 years or more with a multiple period of 10 days, months or year;
• Compensation: fixed rate payment for less than or equal to one year duration, fixed or variable for longer times in a year
• Must be registered accounts with a credit institution..

Notes

• The certificate of deposit may neither be prepaid or redeemed by BT
• The interests served are subject to withholding tax at the prevailing rate.