Treasury Bills

Treasury Bill (T-Bills)

Treasury Bill is a money market instrument is issued by the Government of the Gambia. The bill is issued as a promissory note of repayment in the future. The purpose of a treasury note is to secure funds to meet the short-term fund requirements of the government. It is done to minimize the fiscal deficit of the country.
They are short-term investment instruments with three tenures of 91, 182 and 364 days. A treasury bill is issued at a discounted rate and is redeemed at nominal value, ultimately allowing some profit to the participant.


  • Minimum balance of D25,000
  • Fixed investment periods 3 months, 6 months, and12 months respectively
  • Rollover option


  • Security for overdraft facilities including personal loans and other credits

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