First Capital Bank Mozambique has announced its economic and financial results for the 2025 financial year, demonstrating solid and consistent performance despite a challenging economic environment. The results reflect the strength of its business model and a continued focus on operational efficiency and customer service.
“The results achieved in 2025 reflect the strength of our business model and the continued trust of our clients. In a challenging environment, we maintained a growth trajectory, with emphasis on strong deposit performance and improved operational efficiency, supported by the quality and dedication of our teams. We will remain focused on supporting Mozambican companies with tailored financial solutions, promoting sustainable and responsible growth,” said João Rodrigues, Managing Director of First Capital Bank Mozambique.
The Bank recorded a 21.4% increase in net profit, reaching 2,026 million meticais, with a return on equity (ROE) of 41.2%, remaining above the sector average. Banking income grew by 16.4%, reaching 4,207 million meticais.
Customer deposits increased by 32.7%, totalling 26.7 billion meticais, while total assets grew by 23.2%, reaching 36.4 billion meticais. Efficiency indicators remained strong, with the cost-to-income ratio standing at 29.1%, reflecting a high level of operational efficiency.
Shareholders’ equity grew by 32.7% to 5,520 million meticais, further strengthening the institution’s financial soundness. The solvency ratio increased to 21.06%, maintaining a safety margin of more than 9 percentage points above the regulatory minimum.
Throughout the period, the Bank continued to enhance its tailored products and services, with a particular focus on transactional solutions, contributing to sustained deposit growth and the strengthening of client relationships.
In parallel, the Bank continued to invest in its human capital, closing the year with a total of 198 employees. Key HR initiatives included the implementation of a pension fund for Bank employees and the 3rd edition of the First Academy – an internship programme reinforcing the commitment to talent development and training.
Reflecting its long-term commitment to Mozambique, in 2025 the Bank began the construction of its new headquarters, hosting a groundbreaking ceremony attended by employees, clients and key stakeholders – a milestone reinforcing its vision and commitment to sustainable growth.
The Bank also maintained its commitment to Corporate Social Responsibility (CSR), supporting both ad hoc initiatives and ongoing projects such as Projecto Esperança and the Makobo Platform (Solidarity Soup Kitchen). It also continued its sponsorship of national badminton and the Beach Polo Mozambique event, a reference in Maputo’s business and social calendar.
The 2025 performance demonstrates First Capital Bank Mozambique’s ability to grow sustainably while maintaining a disciplined approach focused on efficiency, financial strength and continuous support to its clients.
