Certificat de depozit câștiguri, 10.000lei

Bankcoop S.A. was a Romanian cooperative bank that collapsed spectacularly in 1999 — one of the more damaging bank failures of Romania's post-communist financial liberalization, affecting hundreds of thousands of depositors. This certificate predates that collapse by six years, issued during a period when Romania's banking sector was expanding rapidly and with almost no effective regulatory framework. The cooperative banking model was being aggressively marketed to ordinary savers as an alternative to the state banks, and prize-linked deposit certificates like this one were a deliberate draw.

The in-house production credit is unusual. Printing a financial instrument internally rather than through the National Bank's facilities or a licensed security printer was legally permissible for commercial instruments at the time, but it left quality control entirely to the issuer.