The Bank was incorporated as a limited liability company under the Companies Act Chapter 335 on 15 February 1971, was re-registered on 14 April 1999 under the new Companies Act No. 22 of 1996, and is subject to the provisions of the Banking Act of St Kitts and Nevis No. 6 of 1991. In 1972 the Bank established the National Bank Trust Company (St. Kitts-Nevis-Anguilla) Limited as a wholly owned subsidiary of the Bank and in 1973 it established the National Caribbean Insurance Company as a wholly owned subsidiary of the Trust Company. To meet the needs of the market, the Bank established St. Kitts and Nevis Mortgage and Investment Company Limited in 2001. The Bank, Trust, Insurance, and Mortgage Companies comprise the National Bank Group of Companies. 

The Bank has significantly expanded it operations from a single branch in 1971 to its present network of seven offices. These include a branch at its headquarters located in Basseterre, St. Kitts, a branch in Nevis and five other branches in St. Kitts located in Sandy Point, Saddlers, the Pelican Mall, Basseterre and Robert Llewellyn Bradshaw International Airport. The Bank also has a Card Center that is responsible for processing Electronic Banking Transactions and providing support to its customers who use these services. 

The Bank provides a full range of retail banking services and corporate banking facilities. With a network of reputable international correspondents, it is able to serve its customers and clients with the highest degree of reliability, confidentiality, accuracy and speed worldwide. 

The Bank is the industry leader in systems and technology in the sub-region and is highly rated regionally and internationally for its technological sophistication and operational excellence. In 1991, the Bank was the first in the sub-region to introduce ATM’s to its customers and since that time has expended considerable resources to provide an extensive network of ATMs across St. Kitts-Nevis. Currently, there are thirteen (13) ATMs in operation with advanced plans to increase the number to twenty (20). In addition to its ATMs, the Bank offers the NatBank International Visa Debit Card, Telephone-Banking Services, Electronic Payment of utility bills and Internet Banking service. 

 The National Bank Trust Company provides a variety of trust, investment, corporate, secretarial and trustee services. The Trust company also provides Real Estate Development Services, at present developing land at Camp’s Estate for first time homeowners. The National Caribbean Insurance Company is the leading Insurance Company in St. Kitts-Nevis, providing all classes of insurance coverage including Group Scheme, Family Health Plan, Fire & Extraneous Perils, Motor, Personal Accident, Loss of Profits, Marine, Travel, Money, Burglary, Public & Products Liability, Employer’s Liability and Contractors All Risks. The St. Kitts & Nevis Mortgage and Investment Company Ltd, a wholly owned subsidiary of the Bank, was incorporated in 2001. The company provides facilities for real estate secondary market transactions and property investment opportunities in the form of mortgage certificates and mutual funds.

The provision of all of these services is in keeping with the Bank’s aim of using the opportunities of electronic technology to globalise its marketplace and customer base.