NCB Financial Group Limited (“NCBFG”) was incorporated in April 2016 to be licensed under the Banking Services Act as the financial holding company for National Commercial Bank Jamaica Limited (“NCBJ”). NCB is the largest and most profitable financial services group in Jamaica with roots dating back to 1837. Through the bank and its wealth management, life and general insurance, and offshore banking subsidiaries, NCBFG provides a wide array of financial products and services to meet the needs of individual and business clients. The NCB Group includes NCBJ, NCB Capital Markets Limited and its subsidiaries in Barbados and Cayman, NCB Insurance Company Limited, NCB (Cayman) Limited, Clarien Group Limited and its subsidiaries in Bermuda, Guardian Holdings Limited and its subsidiaries as well as NCB Global Finance Limited in Trinidad and Tobago.

The complete financial service offerings of NCBFG are accessible through our diversified portfolio of companies, namely:

National Commercial Bank Jamaica Limited
National Commercial Bank Jamaica Limited provides an array of financial solutions to meet the needs of Jamaican customers. Deposit accounts, unsecured and secured loans, credit cards, overdraft lines, foreign exchange, personal and private banking services are part of our offerings. In Jamaica, our network remains unmatched with 37 locations, over 300 ABMs and Kiosks and over 8,000 merchant locations. Online banking is available at www.jncb.com, along with telephone banking and our 24/7 Customer Care Centre at 888-NCB-FIRST (622-3477).

Clarien Group Limited
Clarien Group Limited owner of Clarien Bank Limited based in Bermuda, provides financial solutions in personal, commercial and private banking, investment & wealth management and trust services to its customers. Clarien Bank offers online services at www.clarienbank.com.

Guardian Holdings Limited
Guardian Holdings Limited (GHL) is the parent company for an integrated financial services group known as Guardian Group, with a focus on life, health, property and casualty insurance, pensions and asset management. The company has grown steadily and currently serves markets in 21 countries across the English and Dutch Caribbean, including Trinidad & Tobago, Barbados, Jamaica, Curacao, Aruba, St. Maarten and Bonaire.

NCB Capital Markets Limited
NCB Capital Markets Limited offers stock brokerage and security, wealth and asset management services. Through NCB Capital Markets (Cayman) Limited, NCB Capital Markets (Barbados) Limited and NCB Global Finance Limited the needs of our markets in the Cayman Islands, Barbados and Trinidad & Tobago are met.

NCB Capital Markets (Barbados) Limited
NCB Capital Markets (Barbados) Limited is a wealth, asset management, and investment banking entity in the NCB Group for the Eastern Caribbean.

NCB Capital Markets (Cayman) Limited
NCB Capital Markets (Cayman) Limited provides wealth, asset management, and investment banking services from the Cayman Islands.

NCB Global Finance Limited
NCB Global Finance Limited is a Trinidad & Tobago based merchant bank. Its offerings include deposits; origination of loans and leases; and provision of foreign exchange and trustee services.

NCB Insurance Company Limited
NCB Insurance Company Limited offers insurance and long-term life investments and meets pension needs for individuals and groups in Jamaica.

NCB (Cayman) Limited
NCB (Cayman) Limited provides banking services from the Cayman Islands.

NCB UK Representative Office & NCB Financial Services UK Limited
NCB UK Representative Office (the only arm of the Retail Banking business that is based outside Jamaica) & NCB Financial Services UK Limited focus on the remittance of pensions and provide general support to NCB customers who reside in the United Kingdom.

N.C.B. Foundation
N.C.B. Foundation is the philanthropic arm of the Group. Since its inception in 2003, over $1 billion has been used to support initiatives in the communities we serve impacting over 160,000 lives, NCB continues to demonstrate its commitment to nation building through its focus on education, community development, youth leadership and entrepreneurship.