Commentary

December 8, 2025

Innovation and Economic Growth

By: Dietrich Mohammed – Senior Economic Analyst, First Citizens Economic Research Unit

Commentary

December 1, 2025

Establishment of a State-Sponsored REIT – What it means for local investors?

By Shervonne Millington – Senior Investment Analyst, Research & Analytics

Commentary

November 25, 2025

The Cost of Aging Gracefully–
The Economics Behind Trinidad and Tobago’s Pension Reform

By: Shania Taylor – Economic Analyst, First Citizens Economic Research Unit

Commentary

November 10, 2025

Momentum in Motion

By: Saraya Ganesh – Economic Analyst, First Citizens Economic Research Unit

Commentary

November 3, 2025

What Investors Need to Know About Trinidad and Tobago’s Asset Levy Era

By Maritza Ferreira Ramdeen, Manager – Investment Research

Commentary

October 28, 2025

Feeding the Nation or Funding the Idea?

By: Anjanie Lall – Research Officer, Economic Research Unit, First Citizens

Commentary

October 20, 2025

At the Crossroads: France’s Potential EU Exit

By Nicketa Rattan – Investment Analyst, Research & Analytics

Commentary

October 13, 2025

Trinidad and Tobago’s Economic Road Ahead

By: Vangie Bhagoo-Ramrattan – Head, Economic Research Unit First Citizens

Commentary

October 6, 2025

Market Review: Third Quarter of 2025

Maritza Ferreira Ramdeen, Manager – Investment Research, Research & Analytics

Commentary

September 29, 2025

Green or Gone: Climate Risk and Investment Flows in the Caribbean

By: Shania Taylor – Economic Analyst, First Citizens Economic Research Unit

Commentary

September 22, 2025

The Enemy of My Enemy Is My Friend – Tariff Edition

By Shervonne Millington – Senior Investment Analyst, Research & Analytics

Commentary

September 15, 2025

Can We Reap Growth if We Keep Losing the Seeds?

By: Saraya Ganesh, Economic Analyst – First Citizens Economic Research Unit

Commentary

September 10, 2025

Navigating Generational Investing in Trinidad & Tobago

By Maritza Ferreira Ramdeen, Manager – Investment Research, Research & Analytics

Commentary

August 18, 2025

Is India the New China? The Global Factory Shift

By: Anjanie Lall – Research Officer Economic Research Unit

Commentary

August 12, 2025

Returning Capital to Shareholders

By Franklyn Williams – Investment Analyst, Research & Analytics

Commentary

August 4, 2025

ESG and Its Transformative Impact on the Investing Landscape

By: Chaitram Sirju – Management Associate, First Citizens Investment Services Limited

Chaitram Sirju Management Associate / Commentary

July 21, 2025

Global Oil Market Dynamics

By: Vangie Bhagoo-Ramrattan – Head, Economic Research Unit, First Citizens

Commentary

July 14, 2025

The Panama Canal: A Global Trade Artery Under Pressure

By: Anjanie Lall, Research Officer – Economic Research Unit First Citizens

Commentary

July 7, 2025

Market Review: Second Quarter of 2025

Maritza Ferreira Ramdeen, Manager – Investment Research, Research & Analytics

Commentary

June 9, 2025

Caught in the Crossfire of Tariffs and Dependency

By: Saraya Ganesh – Economic Analyst, First Citizens Economic Research Unit

Commentary

Command	What it does
BAL	Retrieve balance for default account
BAL <Insert Nickname> For Example: BAL Sav1	Retrieve balance on a registered account using account nickname
BAL ALL	Retrieve balance for all registered account
HIST	Retrieve list of the 10 most recent transactions posted on default registered account
HIST <Insert Nickname> For Example: HIST Sav1	Retrieve list of the 10 most recent transactions posted on a registered account using a nickname
HIST d, from <date> to <date> For Example: HIST d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on default registered account with date range specified, (maximum of 10 transactions)
HIST <nickname> d, from <date> to <date> For Example: HIST Sav1 d, from 04-05-2020 to 06-05-2020	Retrieve list of posted transactions on a registered account using account nickname, within the date range specified,(maximum of 10 transactions)
HIST c, from <low cheque number > to <high cheque number> For Example: Hist c, from 200 to 205	Retrieve list of posted cheques on your default registered account, within the cheque range number range specified
HIST <nickname> c, from <low cheque number > to <high cheque number> For Example: Hist Chq1 c, from 200 to 205	Retrieve list of the posted cheques on your registered account, with a nickname, within the cheque number range specified
RTRA	Retrieve list of the 3 most recent posted transfers from your default registered account
RTRA <nickname> For Example: RTRA sav1	Retrieve a list of the 3 most recent posted transfers from your registered account with a nickname
RTRA ALL	Retrieve a list of the 3 most recent posted transfers from all your registered accounts
TRAN <nickname1> <nickname2> Amount For Example: tran ck1 ck2 100	Transfer amount between accounts using nicknames
TRAN <nickname1> <Amount> For Example: tran ck2 500	Transfer amount from the default registered account to the specified registered account using the nickname
TRAN <nickname1> <Amount> <Date> For Example: tran ck2 500 04-10-2020	Transfer amount from the default registered account to the specified registered account with the nickname, for a scheduled future date.
TRAN <nickname1> <nickname2> <Amount> <Date> For Example: tran sav1 ck1 500 04-10-2020	Transfer stated amount from a registered specified nicknamed account to a second registered nicknamed account, for a scheduled future date.
HELP BAL	Retrieve information on the format of the balance commands
HELP TRAN	Retrieve information on the format of the Transfer commands
HELP RTRA	Retrieve information on the format of the Recent Transfers commands
HELP HIST	Retrieve information on the format of the Account History commands
HELP	Retrieve information on the format of the Help command
STOP	Unsubscribe your mobile device from receiving First Citizens SMS Alert messages

Innovation and Economic Growth

Establishment of a State-Sponsored REIT – What it means for local investors?

The Cost of Aging Gracefully–
The Economics Behind Trinidad and Tobago’s Pension Reform

Momentum in Motion

What Investors Need to Know About Trinidad and Tobago’s Asset Levy Era

Feeding the Nation or Funding the Idea?

At the Crossroads: France’s Potential EU Exit

Trinidad and Tobago’s Economic Road Ahead

Market Review: Third Quarter of 2025

Green or Gone: Climate Risk and Investment Flows in the Caribbean

The Enemy of My Enemy Is My Friend – Tariff Edition

Can We Reap Growth if We Keep Losing the Seeds?

Navigating Generational Investing in Trinidad & Tobago

Is India the New China? The Global Factory Shift

Returning Capital to Shareholders

ESG and Its Transformative Impact on the Investing Landscape

Global Oil Market Dynamics

The Panama Canal: A Global Trade Artery Under Pressure

Market Review: Second Quarter of 2025

Caught in the Crossfire of Tariffs and Dependency

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