Corporate Profile

First Capital Bank is wholly owned by FMBcapital Group. It is a full-service commercial bank offering financial products and services to the corporate and personal market sectors.

A Brief History

Formerly known as International Commercial Bank Zambia Limited, First Capital Bank commenced banking operations in June 2010. In July 2013, the bank was acquired by a group of investors led by FMBcapital Group and rechristened as First Capital Bank (FCB). FCB is part of the FMBcapital Group which has banking operations in Malawi, Mozambique, Botswana and Zimbabwe.

With a flexible and innovative customer-focused approach, First Capital operates in all sectors of the Zambian 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 customers.


Financial Security
Liquidity Ratios consistently above 50%
Consistent Long Term Credit Rating of A+ and Short Term
Credit Rating of A1 by Global Credit Rating Co., South Africa.

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 product & 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 objective 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.

Strong Governance

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

2024 Corporate Profile

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