Corporate Profile

First Capital Bank is wholly owned byFMBcapital Group. It is a full-service commercial bank offering financial products and services to the corporate, retail and personal markets.

With its diverse product offering, First Capital Bank caters to the needs of all segments of the Malawi market and has one of the most extensive branch and agency distribution networks in the country.

A brief history

First Capital Bank opened for business in 1995 with one branch in Blantyre. From its humble beginnings, the bank now operates 32 branches and agencies across Malawi employing 850 staff and serving a customer base of 500 000.

Our services

We operate in all sectors of the Malawian market servicing the needs of the following market segments:

  • Retail
  • Small to medium business
  • Corporate
  • Institutional

We offer a comprehensive range of financial products ensuring that our services are always relevant and of value to our diverse market segments.

Our Strengths

Financial Security

Liquidity Ratios consistently above 50%
Consistent Long Term Credit Rating of A+ and Short Term
Credit Rating of AA-(MW) and A1+(MW) for long-term and short-term issuer, respectively by Global Credit Rating Co., South Africa (April 2024).

Regional Footprint

With a regional presence in 5 SADC countries, First Capital Bank is ideally positioned to facilitate seamless cross-border trade and offer customers unique trade finance solutions across the region

Customer Focus

We focus on the needs of our customers ensuring the highest levels of customer service, maintaining strong delivery channels and responding to market demand through product development and innovation.


First Capital Bank has taken the lead by leveraging on its partnerships and technology to introduce a host of products & services designed to make banking more convenient, affordable and inclusive.

People & Training

We are a blend of technical and functional professionals who can deliver on strategic objectives. First Capital Bank operates defined talent management, retention and training strategy to ensure the organisation is equipped with the best skills.

Experience & Expertise

From turnaround strategies to IT project management First Capital Bank offers a wealth of experience in all areas of its business enabling the group deliver on business strategy effectively and efficiently.

360ÌŠ Service Portfolio

We offer a comprehensive range of financial products to the corporate and personal banking markets.

Strong Governance

FIRST CAPITAL BANK subscribes to a strict code of corporate governance administered by strong and robust governance structure.