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