BDT Banco Digital de los Trabajadores, Banco Universal C.A. (previously Banco Bicentenario, Banco Universal C.A) is a bank based in Caracas.[1] It was created in late 2009 through the merger[2] with the existing state-owned bank Banfoandes, the banks Bolívar, Central and Confederado[3] and after BaNorte Bank, nationalised as a result of the 2009 banking crisis.[4] The new bank holds around 20% of Venezuelan bank deposits.