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The negotiable certificate of deposit (CD) revolutionized the world of finance. Introduced in 1961 by First National City Bank of New York (now Citibank), the flexible CD enabled large banks to quickly and efficiently raise funds for lending. A Negotiable Certificate of Deposit (NCD) is a short-term interest bearing debt issued by the National Bank of Cambodia. It is issued in Khmer riel and U.S. Dollar in order to help commercial banks.

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