First Citizens Bank Ltd. engages in the provision of banking and financial services. It offers personal finance, business banking and corporate banking solutions, and also provides online banking, tele banking and ATM services. The company operates through five segments: Retail Banking, Corporate Banking, Treasury Management and Investment Banking, Asset Management, and Group Functions. 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 provides loans and credit facilities and deposits and current accounts for corporate and institutional customers. The Treasury Management and Investment Banking segment provides liquidity management and Investment banking services including corporate finance, and specialized financial trading. The Asset Management segment provides investment products and services to institutional investors and intermediaries. The Group Function segment provides finance, legal, and other centralized functions. The company was founded in March 1993 and is headquartered in Port of Spain, Trinidad and Tobago.