The First Citizens Group, headquartered in Trinidad and Tobago is one of the leading financial services groups in the country. We offer a full range of retail, corporate and merchant banking services as well as asset management, trustee and brokerage services. First Citizens Bank, which is the largest part of the Group, has an extensive retail branch network in Trinidad & Tobago with a large deployment of ATM and point of sale service in both islands. Our growth and expansion initiatives included the acquisition of Caribbean Money Market Brokers limited in 2009, (now rebranded as First Citizens Investment Services) the opening of a representative office in Costa Rica in January 2012, and the acquisition of Butterfield Bank in August 2012 (now called First Citizens Bank (Barbados) Limited). First Citizens is the highest-rated indigenous financial institution in the English-speaking Caribbean, with long term foreign currency counter party credit ratings of Baa1 from Moody’s and BBB+ from Standard and Poor’s. In 2012, the Bank won Bank of the Year – Trinidad & Tobago and was named one of the Top 1,000 Banks in the World (The Banker Magazine). Over the years the Group has introduced a number of innovations locally, including Internet banking and mobile banking. It has also been recognized on several occasions for excellence in innovation, communications technology and e-commerce by the local Energy Chamber of Trinidad and Tobago. Additionally, First Citizens has been involved in financing a number of landmark projects across the region.