Sharon L. Christopher

First Citizens Bank Ltd. engages in the provision of financial services. It operates through the following segments: Retail Banking, Corporate Banking, Treasury Management and Investment Banking, Asset Management, and Group Function. The Retail Banking segment includes loans and mortgages, deposit, foreign exchange transactions, credit and debit cards, and card merchant acquiring business with retail and commercial customers. The Corporate Banking segment offers loans and credit facilities, and deposits and current accounts for corporate and institutional customers. The Treasury Management and Investment Banking segment comprises of liquidity management and investment banking services as well as corporate finance, and specialized financial trading. The Asset Management segment consists of investment products and services to institutional investors and intermediaries. The Group Function segment involves in finance, legal, and other centralized functions. The company was founded in March 1993 and is headquartered in Port of Spain, Trinidad and Tobago.

First Citizens (St. Lucia) Ltd. provides banking and financial services. It operates as an offshore financial vehicle for the parent company, First Citizens Bank Ltd. The company was founded in is headquartered in Castries, St. Lucia.

Light & Power Holdings Ltd. is an investment company which includes the generation, distribution and supply of electricity. The Company has also invested in telecommunication services and operates a self insurance fund. It was founded on October 9, 1997 and is headquartered in St. Michael, Barbados

St. Lucia Electricity Services Ltd. engages in the provision of energy and services. It generates, transmits, distributes, and sells electrical energy. The company was founded in 1964 and is headquartered in Castries, St. Lucia.

Part of First Citizens Group Financial Holdings Ltd., First Citizens Trustee Services Ltd. is a Trinidadian company that provides financial services. The company is based in Port of Spain, Trinidad and Tobago.

First Citizens Securities Trading Ltd. provides banking and financial services.