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CONTENTS
Corporate Information2Performance Charts4Financial Highlights7Notice of Annual General Meeting8From the Archives of the Founder11Chairman’s Statement14Chief Executive’s Review18Consumer Banking Review22Corporate Banking Review23Commercial Banking and Treasury Review24Treasury and Financial Institutions (FI)25Risk Management and Control Framework26Corporate Governance Framework28Board of Directors (in pictures)30Directors’ Report34Analysis of Shareholding37Directors’ Report38Report of the Audit Committee40Report of the Independent Auditors’41Statement of Significant Accounting Policies43Profit and Loss Account47Balance Sheet48Cash Flow Statement50Notes to Financial Statements52Statements of Value Added81Five Year Financial Summary82List of Branches83
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CORPORATE INFORMATION
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VISION
To be the Premier Financial Services Group of African Origin.
MISSION
“We are passionate about building a world class financial services group that is focused on adding valueto businesses and lives, and committed to a culture of excellence.”
CORE VALUES
ProfessionalismAmbitionCreativityExcellence
CONTACT ADDRESS
First City Monument Bank PLCPrimrose Towers17A Tinubu StreetP.O. Box 9117Lagos StateNigeria.
 
 
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BOARD OF DIRECTORS
Dr. Jonathan A.D. LongChairmanMr. Ladi BalogunManaging Director/CEOMr Anurag SaxenaExecutive DirectorMr. Henry SemenitariExecutive DirectorMr. Maurice PhidoExecutive DirectorDr. John UdofaDirectorMr. G.T.S. AdokpayeDirectorMr. Tope LawaniDirectorMr. Nigel KennyDirectorMr. Ladi JadesimiDirectorMr. Bismark RewaneDirectorAlhaji Ibrahim DamcidaDirectorOlajumoke BakareCompany Secretary
SENIOR MANAGEMENT
Ladi BalogunManaging Director/CEOMr Anurag SaxenaExecutive DirectorHenry SemenitariExecutive DirectorMaurice PhidoExecutive DirectorPeter ObasekiVice PresidentAyobola AbiolaVice PresidentBenos ImoisiliVice PresidentOlajumoke Bakare (Mrs)Vice PresidentDeji SomoyeVice PresidentAdebowale AdesanyaVice PresidentOlusiji AdeyinkaVice PresidentAdam Nuru Vice PresidentIdongesit Bassey Vice PresidentOluyemisi Edun Vice PresidentBonaventure Okhaino Vice PresidentBukola Smith Vice PresidentOloyede Obatoyinbo Vice PresidentAyoleke Adu Vice PresidentAdewale Adedapo Vice PresidentOlayinka Oni Vice PresidentFolake Fajemisin Vice President
AUDITORS:
PriceWaterHouse Coopers (Chartered Accountants)
CORRESPONDENT BANKS:
Standard Chartered Bank Plc,UK.Standard Bank Plc.HSBC Plc.ANZ.BNP Paribas.Fortis.RZB Austria.Bank of Beirut (UK) Ltd.United Bank of Africa plc (New York).FBN (UK) Ltd.UBN (UK) Ltd.BHF Bank.
CORPORATE INFORMATION
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