Zenith Bank (Ghana) Treasury Services

Zenith Bank (Ghana) Treasury Services

We aim to provide quality investment management and advice to our clients who wish to utilise money market instruments as well as foreign exchange transactions to optimise their investment returns.
These services are available to individuals, Platinum Banking clients (high net worth clients), corporate bodies and institutions.
Our highly skilled professional staff will keep you abreast of any significant market movements
as well as changing trends in the economic environment.

Products and Services

The following are the products and services of Treasury department.

• Zenith Fixed Deposit
• Zenith Call Deposit
• Zenith Investment Savings Accounts (ZISA)
• Zenith Investment Plan Accounts (ZIPA)
• Treasury Bills Investment

Treasury (Investment) Products

Below are the various investment products we have

Call Accounts

This is an investment for an indefinite period, which may be withdrawn on demand.

Features:

• Competitive interest rates.
• Daily interest accrual.
• Guaranteed liquidity of investment.
• Very flexible and accessible money market product.
• Tiered interest rates according to deposit amounts and call tenor.
• Call/Current account sweep facility.

Fixed Deposits

An investment vehicle where funds or deposits are locked in for a specific fixed period at a fixed interest rate.

Features:

• Interest is paid upon maturity of the investment.
• Competitive interest rates
• Tenors of 30 days, 91 days, 182 days, 1 year and 2 years are available.
• Funds may be rolled over upon request.

Treasury Bill Investment Services

Treasury bills (T-bills) are government backed securities issued by Bank of Ghana usually with maturity periods of 91 days, 182 days or a year. T-bills for longer periods (1 year Treasury note, the 2 year Treasury bond and the 3 year Treasury bond) are also available. Treasury bills are made available at all the branches of Zenith Bank.

Features:

• Roll over only the principal amount and receive accrued interest.
• Roll over both the principal and the accrued interest.
• Can be rediscounted at the bank

Zenith Bank provides timely updates and investment advice to enable you to effectively manage your portfolio.

Zenith Investment Savings Account ( ZISA )

This is a product ideal for individuals.

• Investment instrument to build up adequate financial resources for the purchase of Motor Vehicles, Landed properties or to start up private business.
• Investment Advisory services would be provided
• Minimum initial deposit is GHS100.00 (Individuals), minimum monthly deposit is GHS 50.00
• Regular period fixed deposits to this accounts ( a standing order)
• The fixed amount (indicated above) must be deposited at a time set and agreed) after establishment of account. The amount could be increased anytime at the customer’s discretion.
• A yield higher than the ordinary savings and call accounts. (A benchmark rate plus a margin could be used on certain level of deposit)
• Withdrawals are allowed after every 12 months (Otherwise a penalty is charged)

Zenith Investment Plan Account (ZIPA)

Zenith Investment Rate Account (ZIRA)

Investment instrument to build up adequate financial resources for the retirement or pension.