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13 Cayman Islands Cayman Islands Curaçao Curaçao
The consolidated financial statements comprise the financial statements of the Bank and its subsidiaries as at October 31, 2019 (the “reporting date”). The financial statements of the subsidiaries are prepared for the same reporting year as the Bank, using consistent accounting policies. All subsidiaries, which are those companies controlled by the Bank, have been fully consolidated. The Name

3. Basis of Consolidation following subsidiaries have been consolidated: FirstCaribbean International Bank (Cayman) Limited FirstCaribbean International (Cayman) Nominees Company Limited FirstCaribbean International Bank (Curaçao) N.V. affect its returns. 4. Description of significant accounting policies collect contractual cash flows contractual cash flows and selling financial assets §Ŷ dû
FirstCaribbean International Bank (Cayman) Limited
ADVERTENTIE 2018 $ 126,245 24,976 101,269 17,944 (1,321) 448 10,875 27,946 129,215 24,813 10,668 8,293 21,586 65,360 63,855 1,959 61,896 2018 $ 724,112 - 724,112 626,371 1,007,512 142,021 1,775,9
For the year ended October 31, 2019 (expressed in thousands of United States dollars)

2019 $ 147,006 28,579 118,427 20,810 (541) 369 13,051 33,689 152,116 26,721 11,794 (2,279) 44,486 80,722 71,394 3,151 68,243 2019 $ 667,684 29,334 697,018 645,568 1,065,922

Zaterdag 25 april 2020 CONSOLIDATED STATEMENT OF INCOME EXPLANATORY NOTES TO THE CONSOLIDATED FINANCIAL HIGHLIGHTS Debt instruments measured at fair value through OCI FirstCaribbean International Bank (Cayman) Limited (“Bank”) is a wholly owned subsidiary of FirstCaribbean International Bank Limited (“Parent”), a company incorporated in Barbados. The major shareholder of the Parent is Canadian Imperi

Antilliaans Dagblad Financial Statements Interest and similar income Interest and similar expense Net interest income Fee and Commission income Net trading losses Realised gains from investment securities Other operating income Operating income Total revenue Salaries and other employee expenses Occupancy expenses Credit loss (income)/expense on financial assets Other operating expenses Operating expe

Zaterdag 25 april 2020 2018 2019 $ $ 181,687 120,982 1,050,687 1,132,562 8,986 4,403 4,503 6,468 837 - 724,112 697,018 1,739,529 1,803,887 31,004 28,966 954 425 140,806 140,806 3,883,105 3,935,517 9,631 10,912 2,876,676 2,978,287 397,093 345,770 22,938 21,258 246 761 508 474 3,001 5,572 3,310,093 3,363,034 294,789

Antilliaans Dagblad The accompanying consolidated financial highlights, which comprise the consolidated statement of financial position as at October 31, 2019, and consolidated statement of income for the year then ended and related notes, are derived from the audited consolidated financial statements of FirstCaribbean International Bank (Cayman) Limited (“the Bank”) for the year ended Octobe

Independent Auditors’ Report The Board of Directors FirstCaribbean International Bank (Cayman) Limited Report on the Audit of the Consolidated Financial Statements of Curaçao and Sint Maarten (“CBCS”). Consolidated Financial Highlights statements of the Bank and our auditor’s report thereon. The Audited Consolidated Financial Statements and our Auditor’s Report Thereon auditor’s r

ADVERTENTIE Opinion April 15, 2020 Assets Due from banks Other assets Securities Intangible assets Total assets _________________________ Edward Pietersz Liabilities Curaçao Country Head Customer deposits Other liabilities Taxation payable Total liabilities Issued capital Retained earnings

Financial Statements FirstCaribbean International Bank (Cayman) Limited For the year ended October 31, 2019 (expressed in thousands of United States dollars) MANAGEMENT REPORT We are pleased to report the results for FirstCaribbean International Bank (Cayman) Limited (“the Bank”) for the year ended October 31, 2019 pursuant to the Provisions of the Central Bank of Curaçao and Sint Maarten for the Di

12 of 21.4%. Mark McIntyre