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First Citizens

Banking, Investment and Financial Services

For over three decades, First Citizens has been serving the people of the Caribbean with excellence, care and integrity. Established in 1993, by pioneers who believed in the possibility of the successful management of a bank, solely by locals, today, the First Citizens Group is one of the leading financial services Groups in Trinidad and Tobago and the Eastern Caribbean. Driven by an over two-thousand-member workforce, the Group is proud to connect Caribbean communities, through its footprint in Barbados, St. Lucia, St. Vincent and the Grenadines, Costa Rica and its flagship location, Trinidad and Tobago.

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

Through the largest Group sector, First Citizens Bank, as well as, First Citizens Investment Services Limited – the Caribbean’s largest full service securities trading Company (Trinidad and Tobago, Barbados, St. Vincent and the Grenadines and St. Lucia); First Citizens Bank (Barbados); the First Citizens financial services office in Costa Rica and its other subsidiaries including First Citizens Trustee Services Limited and First Citizens Depository Services Limited; clients can access a full range of retail, commercial, corporate, merchant, trustee, investments and brokerage services from the Group. First Citizens also holds two key investments – a purchase of shares in Jamaican financial services company, Barita Investments Limited and a minority stake in web-based credit institution, Term Finance (Holdings) Limited.

Leading First Citizens’ frontline operations, is an extensive retail branch network in Trinidad and Tobago, and Barbados with a large deployment of ATMs and point of sale devices in both countries, while customers across its markets can benefit from customised solutions to meet their diverse financing and investment needs. First Citizens is a proud contributor to the people and communities that it serves. Through the work of its First Citizens Foundation, it invests extensively in a range of initiatives, under its corporate social responsibility programme – First Citizens Community, through the pillars of Sport, Youth Development and Education, Gender, Culture and the Environment.

The award-winning Group, which has been rated first in Soundness and among the best banks in the Caribbean by The Banker for 2022, boasts of an asset base of TT$45.4 billion and recorded profit before tax of TT$923 million for the fiscal year ended September 30, 2022. Standard and Poor’s, one of the world’s leading credit rating agencies, established an investment grade rating for First Citizens of BBB-/A-3 with a stable outlook in 2022.

The Group stands poised to continue to develop its rich legacy of financial growth and sustainable investments in people and communities. First Citizens remains committed to building rewarding and sustainable relationships through a highly engaged team, versatile and secure technology, and innovative financial services.

Executive Management Team

Karen Darbasie

Group Chief Executive Officer

Jason Julien

Group Deputy Chief Executive Officer, Business Generation

• Neela Moonilal-Kissoon, Group Deputy Chief Executive Officer – Operations and Administration

Neela Moonilal-Kissoon

Group Deputy Chief Executive Officer – Operations and Administration

Senior Management Team

Avril Edwards

General Manager, Digital and Electronic Services

Brian Woo

General Manager, First Citizens Depository Services

Carver Trim

General Manager, First Citizens Trustee Services

Donna Miller

Chief Internal Auditor

Gerard Morton, Group Chief Risk Officer, First Citizens

Gerard Morton

Group Chief Risk Officer

Kirlyn Archie-Lewis

General Manager, Group Human Resources

Larry Olton

General Manager, Operations (Ag.)

Lindi Ballah-Tull

General Counsel, Group Corporate Secretary and Chief Compliance Officer

Robin Lewis

General Manager, First Citizens Investment Services

Sacha Syne

General Manager, Corporate and Investment Banking

Sana Ragbir

General Manager, Retail and Commercial Banking

Shiva Manraj

Group Chief Financial Officer

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