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About Financial Investment and Consultancy Services Ltd (F.I.C.S)

Financial Investment and Consultancy Services Limited (FICS) is a family owned non-banking financial institution that was founded by Hon. George Theophilus, SLC, CBE, FIBA, who served as Deputy Managing Director of the East Caribbean Currency Authority (ECCA) in St Kitts from 1975 to 1981, Managing Director/Chairman of St Lucia Development Bank from 1981 to 1991, and Chairman/Director of the National Commercial Bank of Saint Lucia (currently known as Bank of Saint Lucia) from 1981 to 1991.

FICS was incorporated in November 1991 and opened its doors to the public on February 24, 1992. FICS is a diversified finance company that emphasizes the provision of credit and financial services to individuals and corporations. The company is a non-bank financial entity that is legally authorized to accept deposits from the public. FICS’s operations are governed by the Banking Act of 2015, the Regulations and Guidelines of the Eastern Caribbean Central Bank (ECCB), as well as the ECCB Agreement 1983 and the Companies Act 1996.


FICS was established in 1992 with initial equity of $140,000. To date, FICS has grown considerably and now has an asset base of approximately $210 million.


The official opening of FICS Corporate Headquarters currently located on #15 Bridge Street, Castries was on Tuesday, December 1, 2009. The “Home of FICS” was wholly financed by the institution costing approximately $5 million. The construction of the three-storey building was managed by Mr Cromwell Goodridge, Project Manager/Civil and Structural Engineer/Consultant from Goodridge and Associates and designed by Messrs Augustin Poyotte and Jeremiah Phulchere of Edge Architecture Inc. FICS occupies the Ground and First Floors. Lorne Theophilus Chambers occupies a portion of the first floor and Credit and Real Estate Development Limited (CARED), our subsidiary occupies the Second Floor.


In 2014, FICS opened its first branch in the north of the island – Providence Commercial Centre, Rodney Bay, Gros Islet. The Branch is managed by Mrs Venetia Salton and her assistant, Ms Bibiana Florent. Presently, the Branch comprises a total of 7 staff members.


​FICS is a sound, financially strong and technically efficient business that is:

  • highly diversified in the financial services it offers to the public

  • competitive in pricing its financial services

  • dynamic in its responses to changes in the financial and economic environment and

  • responsive to the social needs and concerns of St Lucians


FICS’s mission is to:

  • broaden the range of financial services and choices available to the St Lucian public

  • offer financial advisory and consultancy services to the public

  • pursue the interest of its shareholders while endeavouring to provide services at reasonable and affordable cost to the St Lucian public

  • encourage St Lucians to be discriminating and discerning in the investment, use and deployment of their savings and

  • serve as a good and responsible corporate citizen participating in efforts toward youth development and the alleviation of social ills

Board of Directors

The Board of Directors, which comprises a complement of eleven directors with varied skills, is responsible for the governance of Financial Investment and Consultancy Services Limited. The Board meets regularly to formulate policies, review the financial statements, loans, investments and human resource matters.

The current members of the Board are:


Lorne Theophilus

George Theophilus

Dr PAW St Rose

Wendy Theophilus

Anthony Bousquet

Goddard Darcheville

Joan Mathurin

Welcome St Rose

Nigel Theophilus

Gregory Girard


Senior Solicitor

Retired Banker


Bank Manager



Retired Banker



Court Administrator




Deputy Chairman

Managing Director








Eastern Caribbean Central Bank

FICS licence to carry on banking businss
Licence to Carry on Banking Business

Our Achievements


Sponsored Ms Tyler Theophane – National Carnival Queen

Launched the Mortgage Fixer Product


Celebrated 25 years of operations – February 24, 2017


Sponsored the Reigning National Carnival Queen

Partnered with VALIRI, a research institute formed to encourage and facilitate research that will produce knowledge and foster innovation through academic and practical research for sustainable economic and social development of the Saint Lucian community.


Launched the Jumbo Mortgage Finance Product – March 2018


Launched the Borrow and Grow loan product- August 2022


Celebrating 30 years and counting on February 24.

Sponsored Miss Jernais Perineau 1st Runner Up at the National Carnival Queen Show on July 1.


St Lucia Business Awards

  • Business of the Year

  • Exporter of the Year

  • Corporate Leadership

Member of the Bankers Association

Member of the St Lucia Chamber of Commerce


Member of the St Lucia Employers Federation


Launched the subsidiary in the name of Credit and Real Estate Development (CARED) Limited - October 2013 


Incorporated Lorne Theophilus’ Chambers into the Executive Structure of the institution. 


Opened the Rodney Bay Branch at the Providence Commercial Centre, Rodney Bay, Gros Islet in November 2014.

Launched the 3% Cash Secured Loan product.

Member of Caribbean Association of Bankers

St Lucia Business Awards

  • George Theophilus – Lifetime Achievement

FATCA Compliant


Instituted the Peter Joseph Scholarship at the Babonneau Secondary School


Launched the Back to School and Christmas Loan products

About Credit and Real Estate Development Ltd (C.A.R.E.D)

Credit and Real Estate Development (C.A.R.E.D.) Limited is a subsidiary of Financial Investment and Consultancy Services Limited that commenced operations in October 2013. The functions of CARED include debt recovery, real estate development and management and the provision of consumer credit.


CARED is managed by Mr Nigel Theophilus, nephew of the founder George Theophilus. The institution comprises a team of ten officers. CARED is situated on the second floor of FICS’s Headquarters.

Our Achievements
Board of Directors

FICS Rodney Bay Branch

Opened the Rodney Bay Branch at the Providence Commercial Centre, Rodney Bay, Gros Islet in November 2014 with Mrs Venetia Salton at the helm. The branch has a complement of 7 staff members.

FICS Rodney Bay Branch Hours of Operation

Mondays to Thursdays - 8:00 am to 3:00 pm

Fridays - 8:00 am to 4:00 pm

Telephone Numbers: 1 (758) 458-8700/458-8740

Mobile Number: 1 (758) 520-8740

Rodney Bay Licence
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