FCM Bank enters Malta’s top tier of banks

In a year marked by economic uncertainty across Europe, FCM Bank delivered its strongest financial performance to date, reinforcing its position as one of Malta’s steadily growing banking institutions.

In 2025, the Bank achieved a record profit before tax of €9 million, while net profit reached €6.8 million — the highest results in the Bank’s history.

At the same time, customer confidence continued to strengthen. Deposits grew to €461.5 million, while loans and advances to customers increased to €375 million, driven by continued demand for carefully structured corporate financing and personalised banking services. The Bank’s client base expanded to 5,000 clients, reflecting rising trust in its relationship-driven model.

“2025 was an important milestone for FCM Bank. Our results reflect not only strong financial performance, but also the growing trust clients place in stability, personal approach, and long-term relationships,” said Miroslav Halička, CEO of FCM Bank.

For FCM Bank, however, the story of 2025 was not only about growth in numbers. It was also about continuing to build a banking model centred on long-term relationships, prudent decision-making, and a more personal approach to financial services.

Throughout the year, the Bank maintained its strategic focus on corporate lending activities in Malta and the Czech Republic, with particular emphasis on high-quality real estate developments aligned with conservative risk management principles. Rather than pursuing aggressive expansion, the Bank continued to prioritise sustainable and selective growth — an approach that has become increasingly important in today’s changing financial environment.

This strategy was further reflected in the Bank’s strong capital position, with the capital adequacy ratio increasing to 19.8% during 2025.

At the same time, FCM Bank continued investing in the client experience through the further development of its Premium Banking proposition. During the year, the Bank opened new Premium Banking offices designed to offer a more discreet, comfortable, and highly personalised banking environment.

Demand for personalised financial services also continued to grow across the Maltese market, where the Bank recorded a further increase in its client base. In addition, FCM Bank successfully opened a new deposit market in the Netherlands, expanding its European footprint. The Bank plans to launch five additional deposit markets in 2026, further strengthening its international presence.

FCM Bank is part of the European banking portfolio of entrepreneur Radomír Lapčík, founder of the successful TRINITY Banking Group, a financial group with nearly thirty years of history providing services across almost seven European countries.

Based on its 2025 financial performance, FCM Bank has now ranked among the top tier of Maltese banks, confirming its growing relevance in the local financial sector.

Looking ahead to 2026, the Bank says it remains focused on sustainable growth, digitalisation, innovation, and the continued enhancement of its client services. While the financial results themselves mark a record year for FCM Bank, the Bank believes the strongest indicator of its progress remains the growing confidence clients place in stability, relationship-driven banking, and long-term financial partnership.

FCM Bank Ltd is regulated by the MFSA and is licensed to carry out the business of banking in terms of the Banking Act (Cap. 371 of the Laws of Malta).