The Treasury Department specializes in Assets and Liabilities Management (Interest Bearing) as well as Foreign exchange dealings. The Treasury Department deals in both short term and long term investments products. These are undertaken for individuals, High Net worth Clients (Priority Banking Clients), Schools, Churches, Parastatals, Non-Bank Financial Institutions and Corporate bodies.

The following are the products and services of Treasury department.

Zenith Fixed Deposit

	Short-term money market investment instrument.
	Tenor varies from 30 days to 1 Year
	Initial Deposit – GHC10,000,000 (Corporate entities) ; GHC5,000,000 (Individuals)
	10% Withholding tax on accrued interest. Corporate Entities)
	Penalty for premature liquidation

Zenith Call Deposit

The most flexible and accessible money market product
Lower yield than Fixed Deposit
Minimum Deposit – GHC2,500,000 (Corporate entities) ; GHC5,000,000 (Individuals)

Zenith Investment Savings Account (Z-ISA)

Product Features:
	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 GHC1,000,000 (Individuals)
	Regular period deposits to this accounts ( a standing order or post-dated cheques)
	Any amount can be deposited at any time after establishment of account.

Benefits:
	Higher yield than ordinary money market instruments.

Mode Of Operation
	Withdrawals are allowed after every 12 months (Otherwise a penalty is charged)

Zenith Investment Plan Account (Z-IPA)

Product Features:
	This is a product for Corporate bodies such Schools, NBFIs, Churches, Brokerage houses, fund managers and Investment Clubs
	This is ideal for Managed funds, Provident funds, Endowment funds and Welfare funds.
	Investment instrument to build up adequate financial resources for future uses.
	Investment Advisory services would be provided
	Minimum initial deposit is GHC 5,000,000
	Regular period deposits to this accounts ( a standing order or post-dated cheques)
	Any amount can be deposited at any time after establishment of account.

Benefits:
	Higher yield than ordinary money market instruments.

Mode Of Operation
	Withdrawals are allowed after every 12 months (Otherwise a penalty is charged)

Treasury Bills Investment

This is a government guaranteed debt instruments issued by the Bank of Ghana (BOG) for Public sector Borrowing Requirement (PSBR) or for Open Market Operation (OMO) management.

	Primary Market Issue
	New issue of any Treasury bill
	Tenors are 91-day, 182 – day, 364 day, 2-years and 3 years.
	No physical certificates are issued, but CSD statements are periodically sent to holders.
	Minimum Investment GHC50,000.
	Not easily tradable (no secondary market as yet) but discountable at Zenith Bank.
	Customers are expected to bid or state their rates on application.