About/Description of Institution

Established: 1837 Predecessor: Colonial Bank (Trinidad and Tobago) Barclays Bank (Trinidad and Tobago) Headquarters: Port of Spain, Trinidad and Tobago Employees: 7,500 Key People: Vincent Pereira, Chairman Nigel Baptiste, President & Chief Executive Officer Symbol: TTSE: RFHL S&P Rating: BBB-/A3 Industry: Banking and Financial Services Areas Served: Anguilla, British Virgin Islands, Barbados, Cayman Islands, Dominica, Grenada, Ghana, Guyana, St. Lucia, St. Vincent and the Grenadines, St. Kitts and Nevis, St. Maarten, Suriname and Trinidad and Tobago Products: Consumer Banking, Corporate Banking, Investment Banking, Credit Cards, Wealth Management Total Assets: US$16.5 Billion (2022) Total Equity: US$1.8 Billion (2022) Market Cap: US$3.4 Billion (2022) Awards: "Bank of the Year - Caribbean, 2015" by Latin Finance "Bank of the Year - Trinidad and Tobago, 2015" by Latin Finance "Bank of the Year - Caribbean, 2018" by Latin Finance "Bank of the Year - Trinidad and Tobago, 2018" by Latin Finance "Bank of the Year - Caribbean, 2019"by Latin Finance "Bank of the Year - Trinidad and Tobago, 2019" by Latin Finance Republic Financial Holdings Limit is the largest banking group in the Caribbean and the 36th ranked in Latin America (1). Republic Bank has footprints across various regions which included the Caribbean and West Africa. We offer a wide range of financial services including commercial banking services; mortgage financing; leasing; project financing and project management services; managing, arranging and underwriting issues of marketable securities, including stocks, shares and bonds; consultancy services; broker/dealer services; private offshore banking services and securities trading. Republic Bank is a regional leader across banking, markets and investor services, entrusted by the Caribbean's most important corporations, governments and institutions. RFHL is also the leading signatory to the Global Principles for Responsible Banking in the English-speaking Caribbean, and we have taken up a leadership role in contributing to the United Nations Sustainable Development Goals (SDGs) for the Caribbean region We continue to build our DIVERSITY, EQUITY and INCLUSION in our operations and in the communities we serve. With the growth of the Group over the past two years from 7 to 14 countries, including 23 subsidiaries, we pledge to deepen our understanding of the communities we serve; to get to know our people (customers, stakeholders, partners and staff), their culture and their unique outlook. With this commitment, we look toward to facilitating a truly fair and empowering environment and a sense of belonging within the Republic Group. The Republic Group will lend and invest USD$200 million by 2025 to support actions that would help achieve major Climate Finance Goals. The Group has also committed a further US$100: million Agriculture Credit Facility or the development of the CARICOM region’s agricultural sector. (1) S&P Global: Top 50 Latin American, Caribbean banks by assets

Collateral/Security requirements

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.

Debt to equity requirements

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.

Repayment Period

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.

Repayment Terms

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.

Other requirements

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.

Other terms and conditions

These are all variously dependent on the individual facility being requested and the particulars of the borrower and specific to respective territory.