Bahamas - FirstCaribbean International Bank

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FirstCaribbeanInternational Bank(Bahamas) LimitedFinancial Statements2002
PricewaterhouseCoopersP.O. Box N-3910Providence HouseEast Hill StrreetNassau, The BahamasTelephone (242) 302-5300Facsimile (242) 302-5350To the Shareholders ofFirstCaribbean International Bank (Bahamas) LimitedWe have audited the accompanying consolidated balance sheet of FirstCaribbean InternationalBank (Bahamas) Limited (the “Bank”) as of October 31, 2002 and the related consolidatedstatements of income, changes in shareholders’ equity/head office accounts and cash flows for theten month period January 1 to October 31, 2002. These consolidated financial statements are theresponsibility of the Bank’s management. Our responsibility is to express an opinion on thesefinancial statements based on our audit.We conducted our audit in accordance with International Standards on Auditing. Those Standardsrequire that we plan and perform the audit to obtain reasonable assurance about whether thefinancial statements are free of material misstatement. An audit includes examining, on a testbasis, evidence supporting the amounts and disclosures in the financial statements. An audit alsoincludes assessing the accounting principles used and significant estimates made by management,as well as evaluating the overall financial statement presentation. We believe that our auditprovides a reasonable basis for our opinion.In our opinion, the consolidated financial statements present fairly, in all material respects,the financial position of the Bank as of October 31, 2002 and the results of its operations, changesin shareholders’ equity/head office accounts and its cash flows for the period then ended inaccordance with International Accounting Standards.Chartered AccountantsJanuary 30, 2003
Page 3: ContentsOur Heritage 6Notice of Mee
Page 6 and 7: FirstCaribbean International Bank
Page 8 and 9: Our HeritageBarclays BankThrough th
Page 10: Notice of MeetingAnnual MeetingNoti
Page 13 and 14: Directors, Senior Management & Advi
Page 15 and 16: Directors’ ReportDIRECTORSIn acco
Page 17 and 18: Chairman’s ReviewIn late 2002, co
Page 19 and 20: Chairman’s Reviewpolicies. We are
Page 21 and 22: Group Chief Executive Officer’s R
Page 27 and 28: Country Manager’s ReportYear in R
Page 29 and 30: Country Manager’s ReportBank in 2
Page 31 and 32: Management’s Discussion and Analy
Page 33 and 34: Management’s Discussion and Analy
Page 35 and 36: 34Retail Banking
Page 37 and 38: 36Corporate Banking
Page 39 and 40: 38International Banking
Page 41 and 42: 40Capital Markets
Page 43 and 44: 42Marketing and Communications
Page 45 and 46: 44Human Resources
Page 50 and 51: FIRSTCARIBBEAN INTERNATIONAL BANK (
Page 84 and 85: FirstCaribbean International Bank(B
Page 86 and 87: FirstCaribbean International Bank(B
Page 88: The undersigned....................

Bahamas - FirstCaribbean International Bank

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