First Citizens

For more than three decades, First Citizens has served the people of the Caribbean with excellence, care and integrity. Established in 1993 by visionary pioneers who believed in the successful management of a bank owned and led by locals, the First Citizens Group has grown into one of the leading financial services groups in the Caribbean. Powered by a workforce of over 2,000 employees, the Group connects Caribbean communities through its presence in Barbados, Saint Lucia, Saint Vincent and the Grenadines, Costa Rica and its flagship market, Trinidad and Tobago.

First Citizens Group Financial Holdings Limited (FCGFH) is the parent company of the Bank and its affiliates and is licensed under the Financial Institutions Act, Chapter 79:09 of the Revised Laws of the Republic of Trinidad and Tobago as a financial holding company. FCGFH is a publicly listed company on the Trinidad and Tobago Stock Exchange, with its shares listed on October 15, 2021 and trading commencing on October 18, 2021.

The Group offers a comprehensive suite of retail, commercial, corporate, merchant, trustee, investment and brokerage services, through its largest subsidiary, First Citizens Bank, and its diversified portfolio of companies, including First Citizens Bank (Barbados), First Citizens Trustee Services Limited, First Citizens Depository Services Limited, its financial services office in Costa Rica and First Citizens Investment Services Limited, one of the Caribbean’s largest full service securities trading companies operating in Trinidad and Tobago, Barbados, St. Vincent and the Grenadines and St. Lucia.

The Group also holds strategic investments in Barita Investments Limited, a leading Jamaican financial services company, and Term Finance (Holdings) Limited, a web-based credit institution, further strengthening its regional footprint and digital capabilities.

At the forefront of its operations is an extensive retail branch network in Trinidad and Tobago and Barbados, supported by a wide deployment of ATMs and point-of-sale devices. Across its markets, clients benefit from customised financial solutions tailored to diverse financing and investment needs.

First Citizens is also a proud and active corporate citizen. Through the First Citizens Foundation and its corporate social responsibility programme – First Citizens Community – the Group invests meaningfully in initiatives focused on Sport, Youth Development and Education, Gender, Culture and the Environment.

The Group’s performance and leadership have been recognised by respected international financial publications, including LatinFinance, Euromoney, The Banker and World Finance. Most recently, the Group was the proud recipient of the 2025 Euromoney Awards for Excellence and ranked number one in Trinidad and Tobago by The Banker magazine for Profitability, Liquidity and as the “Best Performing Bank in Trinidad and Tobago” in 2025.

For the fiscal year ended September 30, 2025, the Group recorded profit before tax of TT$1.36 billion and total assets of TT$49.2 billion. Standard & Poor’s reaffirmed First Citizens Bank’s investment grade credit rating of BBB-/A-3, underscoring the Group’s prudent risk management, strong capital position, sound governance and resilient operating performance.

As it looks to the future, First Citizens remains committed to building rewarding and sustainable relationships through a highly engaged team, versatile and secure technology and innovative financial services, as it continues its legacy of financial strength and meaningful investments in the people and communities it serves.