Shareholders of a failed institution recover their investment only after all depositors and other creditors receive payment in full on their claims, including interest, in accordance with the laws governing liquidation.  

Payments, called dividends, depend on the rate of recovery from the liquidation of the assets of the institution, and the extent and priority of claims from other creditors of the institution. Final disbursements may take several years, depending on the type of assets to be realised.  

The Liquidator is appointed when the Court makes the winding-up order.  

The Liquidator’s Certificate is a document issued by the DIC to depositors of a closed institution whose claim for deposit insurance payment exceeds the deposit insurance coverage limit of TT$200,000.