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FMB currently conducts its banking business through a countrywide network of 24 branches and Agencies. These branches are in Blantyre, Limbe, Lilongwe, Capital City Centre, Mzuzu, Zomba and First Corporate Services.
 
The agencies are in Karonga, Mangochi, Kasungu, Mponela, Mchinji, Dedza, Liwonde, Dwangwa, Rumphi, Nkhatabay, Mzimba, Area 23, Ndirande, Chichiri Agency at Chichiri Shopping Mall in Blantyre, Crossroads Agency at Cresta Shopping Mall in Lilongwe and Kanengo Agency in the Lilongwe Tobacco Auction Floors.

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Capital Bank Limited is a subsidiary of First Merchant Bank Limited (FMB), Malawi. FMB has been operating in Malawi since 1995 and it was the first private sector bank to be granted a commercial banking license in Malawi.
 
FMB has shown remarkable growth over years and in the year 2002, FMB acquired a 100% shareholding in one of the largest leasing companies in Malawi, Leasing and Finance Company of Malawi Limited.

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