How to own a piece of FCMB: is this ₦160 billion opportunity worth your money?

Imagine you wake up one morning, check your phone, and see that the same bank you’ve been using for years, FCMB, just paid you dividends because you own part of it. That’s the beauty of investing, not just banking.

Over 13.9 million Nigerians already bank with FCMB. But now, for the first time in a long while, the bank is inviting you to move from customer to co-owner for just ₦10 per share in its Public Offer.

The question is, should you invest? Let’s gist about it.

Why FCMB is raising ₦160 billion

Let’s start with the “why.” FCMB Group (that’s the parent company of FCMB Bank, FCMB Pensions, Credit Direct, and others) is raising ₦160 billion between October 2 and November 6, 2025.

This isn’t just “money for money’s sake.” The Central Bank recently said every international bank in Nigeria must have at least ₦500 billion in capital. So, this raise is FCMB’s way of staying strong, growing bolder, and positioning itself for expansion.

In short: they’re not just surviving. they’re getting ready to dominate.

What FCMB has been up to

Now, before you throw your ₦10,000 into any investment, you have to ask: “How well are they really doing?”

Let’s check the scoreboard.

• Revenue: Up 54% to ₦794 billion.
• Profit before tax: Up 148% to ₦111.9 billion.
• Total assets: Up 59% to ₦7.1 trillion.
• Share price: Grew 400% from 2019 to 2024 second-best among all Nigerian banks.

Let’s be honest, FCMB has been quietly doing the work. They’re not the loudest, but they’re consistent. That’s the kind of energy you want from a company you invest in.

How your money will be used

Now, what exactly will FCMB do with this ₦160 billion? Here’s the breakdown and honestly, it’s quite interesting:

• 85% will go into funding loans for businesses, farmers, and homeowners, meaning your money actually helps drive the economy.
• 11% will upgrade their tech and digital banking systems.
• 3% goes into hiring, training, and expanding their talent pool.
• 1% supports community projects.

All of this will be done over 2–3 years. This isn’t just capital; it’s capital with purpose.

Why investors are paying attention

Here’s what’s getting people excited about this offer:

• The ₦10 offer price is actually a 10% discount to the current market price (₦11.15).
• Their digital arm now contributes over ₦100 billion annually, that’s huge.
• Dividends grew by 10% last year.
• They have 14.2 million customers, including Nigerians in the diaspora.

Basically, they’re not just growing, they’re innovating and expanding their reach.

How to invest step by step

Now, let’s talk about how to actually buy these shares. Don’t worry, it’s simpler than you think.

1. Minimum investment: 1,000 shares = ₦10,000.
2. You can buy in multiples of 1,000 after that.
3. Offer opens October 2 and closes November 6, 2025.
4. You can pay via:
   • www.fcmbgroup.com/publicoffer
   • Any FCMB branch nationwide
   • Your stockbroker
   • Or through Bamboo App (link in bio if you’re reading on social).

Once it’s done, your shares will appear in your CSCS account, that’s your personal stockholding account. From there, you can track your investment, dividends, and performance anytime.

If you’re new to investing

Now maybe you’re reading this thinking, “I’ve never bought shares before. What if I lose money?”

Relax. You’re not “giving” FCMB your money. You’re buying ownership. That means if FCMB grows, your wealth grows too. If they declare dividends, you earn. If their share price rises, your value rises with it.

This is how ordinary Nigerians from civil servants to small business owners quietly become shareholders in billion-naira institutions.

You see, the same FCMB you use to send ₦5,000 for fuel or pay NEPA bills can actually become your money machine if you start seeing it differently. Instead of just being a customer, become a co-owner.

That’s how the wealthy think. They don’t only use products; they own pieces of the companies behind those products.

The bigger picture

This isn’t financial advice to “rush and buy.” It’s an invitation to start thinking like a builder, not just a spender.

Because here’s the truth: no matter how hard you work, your salary alone won’t build generational wealth. But when your money starts working with you, even in small amounts, that’s when the real magic happens.

If ₦10,000 can buy you a seat at a ₦7 trillion table, that’s not just an investment, it’s a mindset shift.

Like I always say, we don’t grow by learning alone. We grow by doing.

So maybe today, instead of just scrolling through news about banks and billionaires, take your first small step toward owning a piece of one.

And who knows? A few years from now, when FCMB announces another round of record profits, you might just smile quietly, sip your malt, and say, “I own a part of that.”

Final thought: Opportunities like this don’t shout, they whisper. The wise listen and act.