FCM Bank Enters Malta’s Top Tier of Banks as It Posts Record Profit and Expands Across Europe

FCM Bank achieved its strongest financial performance to date in 2025, reporting a record profit before tax of €9 million and a net profit of €6.8 million. These are the best results in the Bank’s history.

Customer confidence continued to rise, with deposits reaching €461.5 million and the lending portfolio expanding to €375 million. The client base grew to 5,000, reflecting increasing trust in the Bank’s relationship‑driven model. CEO Miroslav Halička described 2025 as an important milestone, highlighting the value clients place on stability, personal approach, and long‑term partnerships.

Throughout the year, FCM Bank maintained its strategic focus on corporate lending in Malta and the Czech Republic, particularly in high‑quality real estate developments aligned with conservative risk management. The Bank’s capital adequacy ratio strengthened to 19.8%, underscoring its solid financial position.

FCM Bank also continued enhancing its Premium Banking proposition, opening new offices designed to offer a more discreet and personalised client experience. Internationally, the Bank expanded into the Dutch deposit market and plans to launch five additional European deposit markets in 2026.

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.