Distinctively

extend user
centric
technology
whereas.

Best-in-class banking,
investment, and wealth
planning solutions

creative with
a clean and
modern
Keynote
www.yourcompany.com Presentation.
EQIBank Limited is a licensed and regulated Bank by the Financial Service Unit Dominica.
X
The registered o ce of EQIBank is EQIBank Limited, 24 Hillsborough Street Suite II, Roseau Dominica, Dominica.
ffi
EQIBank
It is our pleasure to extend this formal introduction of EQIBank Limited
(“EQIBank”). This brochure aims to outline key details about the bank,
including its multi-award-winning status, our class-leading industry standing,
global client base, and exceptional growth.

Launched in 2015, EQIBank is Our client relationships are built on

recognized as one of the world’s
leading digital banks and is one of the
fastest-growing banks in the world. Our
current clients have a combined market
capitalization exceeding US$220 billion,
and we are committed to providing the
best possible banking experience.
partnership, continuity, and mutual
trust, and our jurisdictional advantages
are synonymous with best-in-class
banking, investment, and wealth
planning solutions
Our Financial
Standing
EQI, independently valued at US$220,000,000*,
continues to grow at double to triple digits per
annum and has achieved the following exceptional
results in FY23:

• 31,000 clients
• 200,000+ growing community
• 117% increase in core banking revenue
• 208% increase in OTC revenue
• 123% increase in total banking revenue
• 32% increase in the number of banking clients
• 80%+ Capital Adequacy Ratio
• US$100+ million in OTC volume
• Trust Pilot Score of Excellent

*Independent valuation of the EQI group (2022/2023)

 Banking Services
EQIBank and EQIFi are licensed to provide Corporate and Personal banking to
clients in over 180 countries. Complementing this country coverage and digital
accessibility, our dedicated Relationship Managers ensure a 'white glove'
experience, providing personalized support. Key services encompass:

Accounts
• Checking accounts
• Fixed-rate savings accounts
• Variable-rate savings accounts
Lending
• Listed securities
• Cryptocurrency
Custody
• Securities (e.g., stocks, bonds)
• Commodities
• Mutual Funds
• Exchange-traded funds (ETFs)
• Alternative Investments (e.g.,
private equity, hedge funds)
• Cryptocurrencies

• Working capital
Escrow
• Yacht and aircraft
EQIBank provides escrow services for
• Supply chain loans
select corporate clients.
• Trade Finance

Banking as a Service
Card Services
EQIBank's Banking as a Service
• Mastercard Debit cards
(BaaS) o ers a comprehensive
• Visa Hybrid Credit cards platform for businesses to access a
wide range of banking products and
Trading Services services, allowing them to integrate
and whitelabel our nancial solutions
• Commodities
seamlessly into their operations and
• Foreign Exchange (Forex) those of their clients.
• Cryptocurrencies
• Interest Rate Swaps
• Structured Products
• Equities
ff
fi
Financial Capacity
and Credit Standing
EQIBank is a leading and scally
conservative global Bank. A key part of
our risk-averse approach is that the
Bank does not focus on balance-sheet
lending as a chief source of revenue.
EQIBank limits its lending book to 10%
of assets held on deposit.
This approach provides the Bank with a
best-of-breed Stress Test Ratio:
fi
• >80% Capital Adequacy Ratio
• Industry-leading Stress Test Ratio
• Gross non-performing assets (GPAs)
are 0%
• Correspondent relationships with
tier-1 and tier-2 banks in the USA and
Europe
• Gross non-performing assets (GPAs)
<5%
• Net non-performing assets (NPAs)
<5%
• Credit-deposit Ratio <5%
• Texas Ratio <5%
Multi Aaward
Winning

EUROPEAN
CORPORATE HNWI DIGITAL
DIGITAL BANK
BANK OF THE BANK OF THE
OF THE YEAR
YEAR 2023 YEAR, 2022
2023

IBS Intelligence Pan Finance Pan Finance

MOST
10 DIGITAL
INNOVATIVE
BANKS TO
USE OF TOP 10 DIGITAL
KEEP AN EYE
TECHNOLOGY IN BANKS IN 2020
ON IN 2019
BANKING,
2021

IBS Intelligence Crypto News Irish Tech News

Plus more than 10 other industry awards

 Our
Jurisdiction
EQIBank’s is based in North America
and is regulated by the Eastern
Caribbean Central Bank. Our jurisdiction
is globally recognized as being within
the best regulated international nance
centers by global bodies such as the
Group of Twenty (G20), the Organization
for Economic Cooperation and
Development (OECD) and the
International Monetary Fund (IMF) and is
committed to meeting the highest
regulatory standards and supporting
global initiatives that help prevent the
abuse of nancial services, evidenced
by the following:
• Full alignment to the EU's Third Anti-
Money Laundering Directive
• Full signatory to the IOSCO
Multilateral Treaty, a benchmark for
cross-border cooperation between
regulators
• Early adopter of the new international
Common Reporting Standard for the
automatic exchange of nancial
information
• Strong record of cooperation with
law enforcement agencies and tax
authorities - including unlimited
access upon request, to its central
register of bene cial ownership.

www.yourcompany.com
fi
fi
fi
fi
Bank’s
Correspondents
Client deposits are held in their
respective currencies with leading
correspondent banks in the United
States, Europe and UK. EQIBank only
utilizes the services of strong and
secure correspondent banks.
EQIBank’s main correspondent bank is
DBS Bank which holds US$545 billion
in assets and has a AA - credit rating.
EQIBank has expanded its banking
network with new correspondents,
enhancing its transaction capabilities in
multiple currencies. The bank's
collaboration with JPMorgan Singapore
ff
allows for EUR transactions via SEPA.
Incore Bank o ers services in EUR. The
partnership with Bank of Africa France
and Community Federal Savings Bank
extends banking options in USD, EUR,
HKD, and SGD. Additionally,
Community Federal Savings Bank
provides USD transaction facilities.
Furthermore, EQIBank is set to
collaborate with Metropolitan
Commercial Bank of New York, further
broadening its currency handling
options.
 Protecting Your Money
Selecting the right bank for your global business is an important choice. You have to
make sure your bank o ers the products, services, and coverage you require and is
a safe and sound institution. To this end we are pleased to provide you with this
detailed nancial standing and capacity statement in respect of EQIBank Limited
(“EQIBank”).

EQIBank’s Credit Rating For example, for US$, EQIBank has the
vast majority of client deposits with
EQIBank is a leading and scally DBS Bank Ltd, which, as of December
conservative global Bank. A key part of 31, 2021, holds $687 billion in assets
our risk-averse approach is that with $58 billion in equity. DBS Bank Ltd
the Bank does not focus on-balance- holds a credit rating of AA- with Fitch
sheet lending as a chief source of and S&P and an Aa1 rating with
revenue*. EQIBank limits its lending Moody’s. EQIBank also holds funds
book to 10% of assets held on deposit. with UBA Group, which has $20 billion
Moreover, EQIBank only invests in in assets with $2 billion in equity and
liquid assets and caps its investment holds a credit rating of B with Fitch and
portfolio at 5% of assets held on S&P.
deposit. This approach provides the
Bank with a best-of-breed Stress Test Capital
Ratio.
The Bank is fully compliant with all
Capacity Statement capital adequacy ratios required by our
Regulators.
EQIBank is considered one of the
world’s leading Global Digital Banks
and a top ten digital bank. Client
deposits are held in their respective
currencies with leading correspondent
banks in the United States, Europe and
UK. EQIBank only utilizes the services
of strong and secure correspondent
banks.

*The Bank’s policy may change over time in consultation with the Risk Committee and Credit Committee
fi
ff
fi
 Gross non-performing assets
(NPAs)
A non-performing asset (NPA) is a loan
or advance for which the principal or
interest payment remained overdue for
a period of 90 days. All banks are
required to classify NPAs further into
Substandard, Doubtful, and Loss assets.
A low gross NPA ratio means the bank’s
asset quality is usually in good shape.
EQIBank’s Gross NPA is 0% and
deposits have no exposure to
Substandard, Doubtful and Loss assets.
This is considered to be very safe.
Net non-performing assets
(NPAs)
The net NPA is the portion of bad loans
which has not been provided for in the
books. Net NPA is a good indicator of
the health of the bank and, generally,
the lower the percentage the safer the
bank. EQIBank’s Net NPA is 0%. This is
considered to be very safe.
Provisioning Coverage Ratio
Banks usually set aside a portion of
pro ts as a provision against bad loans.
A high PCR ratio (ideally above 70%)
means most asset quality issues have
been taken care of the and bank is not
vulnerable. EQIBank’s PCR is in nite,
due to our not o ering loans. This is
considered to be very safe.
Credit-deposit Ratio
This show how much a bank lends out
of its deposits or how much of its core
funds are used for lending.
fi
ff
ff
fi
A low credit-deposit ratio suggests a
healthy and safe balance sheet.
EQIBank’s PCR is 0%. This is considered
to be very safe.
Net Interest Margin
This is the di erence between the
interest earned by a bank on loans and
the interest it pays on deposits. NIM is
high for banks with higher low-cost
deposits or high lending rates.
Traditionally, a high NIM and low NPA is
considered secure and preferable. As
EQIBank does not pay interest on
deposits over the prevailing rate of
correspondents and does not lend
monies.
Texas Ratio
One calculation often used for
evaluating banks is the Texas Ratio,
which looks at how likely bad loans are
to impact a bank adversely. The Texas
Ratio divides nonperforming
assets by tangible common equity and
loan-loss reserves. The safest banks
have a Texas Ratio well below 100% (or
1:1) as they are better able to absorb
losses on defaulted loans. EQIBank’s
Texas Ratio is 0%. This is considered to
be very safe.
EQIBank strives to provide safe and
secure global transaction banking and
avoids risk associated with general
lending. This, in combination with our
strong and robust correspondent banks
ensures we are able to provide
protected banking to clients across the
globe.