On September 13, 1993 the assets and liabilities of the National Commercial Bank (NCB), the Trinidad Co-operative Bank (TCB) and the Workers' Bank were transferred to and became vested in First Citizens Bank Limited. What emerged from this union was a dynamic human resource - consisting of more than 1000 employees and a management team with several years of banking experience - which welcomes innovation and the latest technology.

First Citizens Bank's roots go back to 1914, when TCB was founded as a co-operative savings and loans institution, pioneering the provision of consumer finance and home mortgages for the then working-class of Port of Spain. NCB formally commenced business in 1970 and became the first truly locally owned, controlled and operated commercial bank in Trinidad and Tobago and eventually grew a branch network which covered the entire country. The predecessor of Workers Bank which commenced operations in 1970, had its roots in the trade union and credit union movements, and played a major role in the development of the home mortgage market.

Each of these institutions has made an indelible mark on the financial landscape of Trinidad and Tobago, and we are confident that we will continue to make a positive impact on our community in the years to come.