News & Events
Data Centre
Economic and Financial Statistics
Glossary of Terms
Community Engagement
Outreach
Corporate Social Responsibility
Public Education
Financial Education
Currency Education
Public Education Resources
Museum
Auditorium
About
Who Are We
About
Our Mission
Our Vision
Core Values
History
Governance
Board of Directors
Executive Management Team
Senior Management Team
Organisational Structure
Legal Framework
AML/CFT/CPF Policy Statement
Careers
Life at the Bank
Internships
Scholarships
Job Opportunities
FAQs
What We Do
Our Business
Agent for Government Securities
Banker to Commercial Banks
Banker to the Government
Economic Intelligence and Research
Exchange Rate Management
Financial Stability
Issue & Redemption of Currency
Management of Foreign Reserves
Monetary Policy
FAQs
Strategic Plan
Our Business
Strategic Plan: 2021 – 2026
Project Implementation Updates
Past Strategic Plans
Procurement Hub
Procurement Process
Vendor Registration/Qualification
Guidelines
Purchase Orders
Purchase Order Format
Purchase Process
Upload Signatures
Terms & Conditions
Tender Opportunity
FAQs
Core Functions
Monetary Policy
About Monetary Policy
What is Monetary Policy?
Monetary Policy Framework
Monetary Policy Objectives
Monetary Policy Committee
Instruments of Monetary Policy
Indirect Instruments
Direct Instruments
Monetary Policy Communications
Monetary Policy Report
Monetary Policy Announcements
Monetary Policy Announcements Calendar
Repo Rate is 3.50% as at March 2025
FAQs
Market Operations
Bonds
What are Government Bonds?
How are Bonds Issued?
Application Procedure
Bond Trading Summary
Bond Markets
Primary Market
Secondary Market
Authorised Institutions
Treasury Bills
What are Treasury Bills?
How are Treasury Bills Issued?
Application Procedure
Treasury Bill Auction
Historical Treasury Bills
FAQs
Financial Stability
About Financial Stability
What is Financial Stability?
Financial Stability Objectives
Supervisory Approach
Macro Prudential
Financial Stability Report
Financial Stability Committee
Micro Prudential
Banking Sector
Basel II/III Implementation
Insurance Sector
Pensions Sector
Payments & Financial Markets Infrastructure
AML/CFT/CPF
Bureau de Change
Cybersecurity
Industry Resources
Circular Letters
Guidelines
Legislation
Regulatory Returns and Instructions
FAQs
Statistics
About Statistics
Data Centre
Data Centre
Economic and Financial Statistics
Glossary of Terms
Economic DataPack
e-GDDS
Key Economic and Financial Statistics
Fees and Charges
Fees and Charges
Comparative Schedules
Individual Commercial Banks’ by Product
Publications & Research
Industry Resources
Industry Resources
Circular Letters
Draft & Consultation Papers
Guidelines
Legislation
Licensing
Regulatory Returns & Instructions
FAQs
Mortgage Market Reference Rate
Publications
Reports
Annual Economic Survey
Annual Report
Economic Bulletin
Financial Stability Report
Monetary Policy Report
Summary Economic Indicators Bulletin
All Reports
Latest Report
Financial Stability Report 2023
FAQs
Research
Research
About Research
Compilation of Working Papers
Presentations
Research Paper Series
Staff Articles
Staff External Publications
Working Paper Series
Call For Papers – Research Review Seminar 2025
Latest
Climate Change and the Balance of Payments: Considerations for Trinidad and Tobago
FAQs
Special Publications
Fintech & Payments
Fintech
Fintech
Fintech Policy
FAQs
Fintech and Payment Resources
Payment Services
Payment Services
Payment Service Providers
E-Money Issuers
Application Process
Registration Criteria
Apply to become a PSP
Apply to become an EMI
Application Portal
Fintech & Payments Resources
Payment Systems
Payment Systems
Payment System Landscape
Financial Market Infrastructures
Payment System Operator Licensing & Oversight Standards
Resources
FAQs
Joint Regulatory Innovation Hub
Joint Regulatory Innovation Hub
Objective
Criteria & Participation
Disclaimer
Glossary
Contact Form
Collaborating Authorities
FAQs
Regulatory Sandbox
Payment System Council
Bank Notes & Coins
Currency Management
Currency Management
The Central Bank’s Role
Currency Issue & Redemption
Damaged Currency
Transition to Polymer
Demonetization of The 100 Dollar Cotton Note
History of Money in Trinidad and Tobago
Know Your Money
FAQs
Current Banknotes
Current Banknotes
Features of our Banknotes
Transition to Polymer
Know Your Money Video Series
CB NOTEworthy Mobile App
More about our Currency
CB NOTEworthy, Mobile App
FAQs
Current Coins
Overview
Current Coins
Changes to the Coins
Key Security Features
FAQs
Contact
About
Who Are We
About
Our Mission
Our Vision
Core Values
Our History
Governance
Board of Directors
Executive Management Team
Senior Management Team
Organisational Structure
Legal Framework
AML/CFT/CPF Policy Statement
Careers
Life at the Bank
Internships
Scholarship
Job Opportunities
What We Do
Agent for Government Securities
Banker to Commercial Banks
Banker to the Government
Economic Intelligence and Research
Exchange Rate Management
Financial Stability
Issue & Redemption of Currency
Management of Foreign Reserves
Strategic Plan
Strategic Plan: 2021 – 2026
Project Implementation Updates
Past Strategic Plans
Procurement Hub
Procurement Process
Vendor Registration/Qualification
Guidelines
Purchase Orders
Purchase Order Format
Purchase Process
Upload Signatures
Terms & Conditions
Tender Opportunity
FAQs
Core Functions
Monetary Policy
About Monetary Policy
What is Monetary Policy?
Monetary Policy Framework
Monetary Policy Objectives
Monetary Policy Committee
Instruments of Monetary Policy
Indirect Instruments
Direct Instruments
Monetary Policy Communications
Monetary Policy Report
Monetary Policy Announcements
Monetary Policy Announcements Calendar
Market Operations
Bonds
What are Government Bonds?
How are Bonds Issued?
Application Procedure
Bond Trading Summary
Bond Markets
Primary Market
Secondary Market
Authorised Institutions
Treasury Bills
What are Treasury Bills?
How are Treasury Bills Issued?
Application Procedure
Treasury Bill Auction
Historical Treasury Bills
Financial Stability
About Financial Stability
What is Financial Stability?
Financial Stability Objectives
Supervisory Approach
Macro Prudential
Financial Stability Report
Financial Stability Committee
Micro Prudential
Banking Sector
Basel II/III Implementation
Insurance Sector
Pensions Sector
Payments & Financial Markets Infrastructure
AML/CFT/CPF
Bureau de Change
Cybersecurity
Industry Resources
Circular Letters
Guidelines
Legislation
Regulatory Returns and Instructions
FAQs
Statistics
About Statistics
Data Centre
Economic and Financial Statistics
Glossary of Terms
Economic DataPack
e-GDDS
Key Economic and Financial Statistics
Fees and Charges
Comparative Schedules
Individual Commercial Banks’ by Product
Publications & Research
Industry Resources
Circular Letters
Draft & Consultation Papers
Guidelines
Legislation
Licensing
Regulatory Returns & Instructions
Mortgage Market Reference Rate
Publications
Annual Economic Survey
Annual Report
Economic Bulletin
Financial Stability Report
Monetary Policy Report
Summary Economic Indicators Bulletin
All Reports
Research
About Research
Compilation of Working Papers
Presentations
Research Paper Series
Staff Articles
Staff External Publications
Working Paper Series
Call For Papers – Research Review Seminar 2025
Special Publications
Fintech & Payments
Fintech
Fintech Policy
FAQs
Fintech and Payment Resources
Payment Services
Payment Services
Payment Service Providers
E-Money Issuers
Application Process
Registration Criteria
Apply to become a PSP
Apply to become an EMI
Application Portal
Fintech & Payments Resources
Payment Systems
Payment System Landscape
Financial Market Infrastructures
Payment System Operator Licensing & Oversight Standards
Resources
Joint Regulatory Innovation Hub
Objective
Criteria & Participation
Disclaimer
Glossary
Contact Form
Regulatory Sandbox
Payments System Council
Bank Notes & Coins
Currency Management
The Central Bank’s Role
Currency Issue & Redemption
Damaged Currency
Transition to Polymer
Demonetization of The 100 Dollar Cotton Note
History of Money in Trinidad and Tobago
Know Your Money
Current Banknotes
Features of our Banknotes
Transition to Polymer
Know Your Money Video Series
Mobile App
CB NOTEworthy Mobile App
Google Play
iOS
More about our Currency
Current Coins
Overview
Changes to the Coins
Key Security Features
FAQs
News & Events
Community Engagement
Outreach
Corporate Social Responsibility
Public Education
Overview
Financial Education
Currency Education
Public Education Resources
Museum
Auditorium
Home
News
Speeches
Governor Hilaire’s Feature Address at the 2021 Graduation Ceremony of the Institute of Banking and Finance of Trinidad and Tobago
Speeches
Governor Hilaire’s Feature Address at the 2021 Graduation Ceremony of the Institute of Banking and Finance of Trinidad and Tobago
Share
keyboard_arrow_up
Menu
