First Citizens' Client Focus

First Citizens' Client Focus

Caribbean

Larry Howai Trinidad  &  Tobago is a small yet rich country where three relatively large banks compete fiercely for leadership. Yet from the depths of bankruptcy and restructuring almost a decade ago, state-owned First Citizens Bank, Trinidad's fourth-largest bank, has begun to drive a wedge between its bigger competitors. Focusing on customer service and a high-end client base, First Citizens has enjoyed a five-year growth streak. Larry Howai, chief executive officer of First Citizens, says, "We have experienced considerable growth in our business since, as our competitors become larger and larger,

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