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Associated Commercial Bills Investment Scheme (ACBIS) is an intermediation product designed to provide high grade, higher yield investment outlets to investor. It equally provides a funding pool to investors and reputable corporate organizations requiring short term liquidity

Feartures

• Minimum investment: N5,000,000
• Pricing: Negotiable
• Tenor: Minimum of 30days
• Security: Backed by investment grade financial instruments issued by major reputable companies in Nigeria
• Liquidity: Can be rediscounted at an agreed fee after 30days of investment
• Custodial Arrangement: The original securities (investment grade financial instrument) will be held in custody by ADH. The investor will get a letter from ADH confirming the investment

Benefits

• Zero Charges: COT, Withholding Tax, Vat
• Attractive return on investment
• Defined future value on investment known in advance
• Liquidity/Flexibility: Convertible to cash on demand (with penalty on interest portion only)

Associated Discount House Limited (ADH) is a wholesale financial institution intermediating between Central Bank of Nigeria, banks and other non-bank financial institutions. We also offer financial services to cooperate organizations, businesses and High Networth individuals (HNIs).

One of our major functions is to assist in short-term liquidity management. WE channel funds from the investing public into first class investing instruments issued by Federal Government and reputable companies who require working capital support.

ADH is a primary Dealer/Market Maker (PDMM) for FGN Bonds. This places us in a vantage position within the FGN Bond market.

Why Invest in ADH Security of Funds

A major attraction of dealing with a discount house like ADH is the security of your investment. This is made possible by the following factors:

• The CBN requires that investment in Federal Government of Nigeria security by discount houses should not fall below 60% of the total deposit liabilities at a point In time.
• Discount houses are heavily regulated by the Central Bank of Nigeria to ensure professionalism and sound liquidity management.

Liquidity

As an institution with large holding of liquid and sale securities, we are always able to meet client’s unforeseen need for funds even at short notice.

Management
ADH is managed by a team of highly knowledgeable, discerning and experienced professionals with strong expertise in various facets of banking and investment.

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