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FCM Bank Achieves Record Profit and Strong Growth in 2024
About Us
FCM Bank is a European banking institution currently operating in four EU countries: Malta, Germany, the Czech Republic, and the Netherlands. Authorised by the European Central Bank, FCM Bank focuses on providing secure, attractive savings solutions and lending services.
For your secure financial growth
In Malta, FCM specialises in real-estate financing solutions alongside personalized corporate and personal deposit services with competitive interest rates, tailored to meet the needs of clients seeking safe and rewarding investment options.
Built on a foundation of stability, transparency, and fairness, FCM Bank is committed to earning and maintaining the trust of its clients. Our mission is clear: to provide a simple, secure, and effective way for individuals and businesses to grow their savings with confidence.
Headquartered directly in Malta, FCM Bank is one of the fastest-growing banks in the region. It has held a full banking license since 2010 and is regulated by the Malta Financial Services Authority (MFSA). The bank is also a member of the Maltese Depositor Compensation Scheme, ensuring additional security for depositors.
FCM Bank is part of the European banking portfolio of entrepreneur Radomír Lapčík, the founder of the successful TRINITY Banking Group, which comprises almost 30 years of experience. The group operates in seven European countries and includes leading institutions such as Trinity Bank, a trusted Czech bank serving more than 220,000 clients, and SAB Finance, one of Central Europe’s foremost foreign exchange service providers.
FCM Bank in Numbers
Years on the Market
Clients
Annual Profit 2023/2024
Countries of Operation
A Successful Portfolio in Numbers
FCM Bank is part of the business portfolio of Radomír Lapčík, the founder of a number of successful financial institutions, which he has united for nearly 30 years through his personality, strategic leadership, and long-term vision.
Years on the Market
Clients
Annual Profit
Countries of Operation
News
Our Professional Team
John Soler
Chairman & Non-executive Director
Miroslav Halička
Chief Executive Officer
Bonamy Mercieca
Chief Corporate Officer
Radka Chum
Chief Retail Officer
Key Facts about FCM Bank
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Maltese Bank
Headquartered in Malta; holder of a Maltese banking licence since 2010; regulated and supervised by the Malta Financial Services Authority (MFSA) and European Central Bank (ECB).
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Trusted Partner
Moderate growth, marking FCM Bank as the most progressive corporate local bank.
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Business Focus
The core business of the Bank is corporate lending with particular focus on real-estate financing.
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Long–Term Commitments
We are building better Malta. We are financing development of more than 1,500 new apartments and houses. We also strive to provide support and collaboration to our clients and employees ensuring sustainable growth and success.
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Other Markets
We are operating in Malta, Czech Republic, and Germany.
Control and Supervision
Malta is a member of the eurozone and, like all member states, must have a regulator overseeing the financial and capital markets. Moreover, Malta's regulator, the MFSA, falls directly under the ECB, which is responsible for the entire eurozone market and must therefore respect the same regulations as central banks in Germany, Austria or any other country.
MFSA - Malta Financial Services Authority
The Maltese Financial Services Authority (MFSA), like the Deutsche Bundesbank, is the single regulator of financial services in Malta. The MFSA regulates banking, financial institutions, payment institutions, insurance companies and insurance intermediaries, investment services companies and collective investment schemes, securities markets, etc.
ECB - European Central Bank
FCM Bank Limited is also controlled by the European Central Bank. FCM Bank Limited is also a member of the deposit insurance scheme (Deposit Compensation Scheme) in Malta, which allows a further development within the European Union through acquisition of a bank in the euro area, which holds a European banking license.
Mission & Vision
Mission
Our mission is to guide your success.
At FCM Bank, our mission is clear: to steer you towards success. We believe in a world where each client realizes their full potential, making our collective future brighter and more prosperous.
Vision
True relationships built on trust.
We firmly believe that fostering authentic connections with our clients is paramount to their success. Through prioritizing genuine relationships, we aspire to earn the esteemed position of being recognized as the most trusted bank in our community and beyond.
Our Values
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Trust
We build trust through reliability, consistency, and accountability, ensuring that our clients can always rely on us as their trusted financial partner.
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Integrity
We uphold the highest standards of honesty, transparency, and ethical behaviour.
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Expert
We pride ourselves on our deep expertise and knowledge in the financial industry, providing our clients with informed guidance and innovative solutions tailored to their unique needs.
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Proactivity
We take a proactive approach to anticipate our clients' needs and challenges, staying ahead of the curve to offer timely support and solutions that drive their success.
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Exceptionality
We continuously strive to go above and beyond, delivering exceptional service, innovative solutions, and unparalleled experiences to our clients.
Important notice
We would like to inform our esteemed clientele to ignore emails claiming to be from FCM Bank and requesting confirmation of payments, or personal details like ID card and Passport numbers. These emails are fraudulent. If you do receive any suspicious emails, delete immediately, do not download any attachments accompanying the email or click on links that appear in the message. If you are unsure whether this is a fraudulent email or not, please contact us by phone on (+356) 2248 8000 or by email on info@fcmbank.com.mt so that we can assist further.