FirstCaribbean International Bank (Bahamas) Limited

Contents
Notice of Meeting . . . . . . . . . . . . . . . . .3
Section 1: One Bank, One Caribbean
Branch Network . . . . . . . . . . . . . . . . . . . .6
Ownership Structure . . . . . . . . . . . . . . . .7
Main Branches and Centres . . . . . . . . . . .9
Board of Directors . . . . . . . . . . . . . . . . .10
Executive Management . . . . . . . . . . . . .12
Advisors and Senior Management . . . . . .13
Chairman’s Report . . . . . . . . . . . . . . . . .15
Chief Executive Officer’s Report . . . . . . .17
Managing Director’s Report . . . . . . . . . .21
Directors’ Report . . . . . . . . . . . . . . . . . .23
Management’s Discussion
and Analysis . . . . . . . . . . . . . . . . . . . . . .24
Section 2: Building the Brand
Retail Banking . . . . . . . . . . . . . . . . . . . .30
Capital Markets . . . . . . . . . . . . . . . . . . .32
Corporate Banking . . . . . . . . . . . . . . . . .34
International Banking . . . . . . . . . . . . . . .36
Marketing . . . . . . . . . . . . . . . . . . . . . . .38
Human Resources . . . . . . . . . . . . . . . . . .40
Technology Report . . . . . . . . . . . . . . . . .42
Risk Report . . . . . . . . . . . . . . . . . . . . . .43
Section 3: Financial Statements 2004
Auditors’ Report . . . . . . . . . . . . . . . . . . .46
Financial Statements . . . . . . . . . . . . . . .47
Information Circular . . . . . . . . . . . . . . . .78
Proxy Form . . . . . . . . . . . . . . . . . . . . . .81
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