FMBcapital Holdings Delivers Strong 2025 Performance, with Continued Growth in Botswana

Gaborone, Botswana 08 April 2026 - FMBcapital Holdings Plc (FMBCH), the regional banking group operating across Southern Africa, has reported a strong set of financial results for the year ended 31 December 2025, reflecting disciplined execution of its regional strategy and the strength of its diversified banking model.The Group operates through its First Capital Bank subsidiaries in Botswana, Malawi, Mozambique, Zambia, and Zimbabwe, providing corporate, retail, and transactional banking services across the region.GROUP PERFORMANCEProfit after tax increased 47% to USD152.3 million, while total operating income rose 39% to USD385.5 million. Customer deposits grew 23% to USD1.86 billion, and loans and advances increased 17% to USD905.6 million, reflecting continued customer confidence and business expansion.Importantly, the Group continued to grow income from everyday banking activities including transactions, foreign exchange, and client services demonstrating progress in building a more resilient and diversified earnings base.The Board has proposed total dividends of USD34.5 million, reflecting confidence in the Group’s financial position while maintaining a prudent approach to capital.LEADERSHIP PerspectiveCommenting on the results, Group Managing Director, Jaco Viljoen said:“Our 2025 performance reflects consistent execution and the benefits of a regional strategy that is delivering. We have built a diversified and resilient business, supported by strong teams across our markets.At the same time, we remain mindful of the operating environment and the need for disciplined risk management.We enter 2026 with strong momentum, underpinned by a solid balance sheet, improving technology platforms, and committed teams.”FIRST CAPITAL BANK BOTSWANA PERFORMANCEBotswana delivered a PAT of P345.9 million, 5% growth, contributing 17 % to Group earnings.The business’s growth was supported by total operating income of P765.7 million, supported by continued activity across retail, corporate, and transactional banking. Balance sheet growth remained steady and sustainable. Loans and advances increased by 11%, reflecting continued support to customers across key sectors of the economy, while customer deposits also grew by 11%, demonstrating confidence in the franchise’s services and transactional offering.Commenting on the results, First Capital Bank Botswana Chief Executive Officer, Lesego Osman said: "Botswana continues to demonstrate that steady, well-managed growth is something to be proud of. We have built a resilient business here and our focus remains on deepening customer relationships and maintaining the quality of our book as we grow."OPERATING ENVIRONMENT & OUTLOOKThe performance was delivered in a dynamic operating environment, requiring disciplined execution and a strong focus on risk and liquidity management.The Group’s diversified regional presence, combined with strong local execution, continues to provide a solid foundation for sustainable growth.Looking ahead, FMBcapital Holdings remains focused on disciplined growth, continued investment in its platforms, and supporting customers across its markets.BOTTOM LINEFMBcapital Holdings’ 2025 performance demonstrates the strength of a well-diversified, consistently executed regional banking model, supported by capable teams and a clear strategic focus.In Botswana, this is reflected in a business that continues to grow with purpose, deliver for its customers, and contribute meaningfully to the Group’s overall success.ENDS.

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FMBcapital Holdings Delivers Strong 2025 Performance, with Continued Growth in Botswana