FIMBank plc products, services and reviews

About FIMBank plc

FIMBank plc is a Malta-based credit institution focused on trade finance and receivables-based lending, headquartered in St Julian’s and listed on the Malta Stock Exchange. It is licensed by the Malta Financial Services Authority and falls under EU prudential rules with ECB oversight through the Single Supervisory Mechanism. Core activities include structured commodity trade finance, forfaiting, factoring, supply chain finance, treasury, and corporate transactional banking; on the retail side it provides online savings and term deposit products, including those marketed under the Easisave brand. The group includes London Forfaiting Company Limited in the United Kingdom and India Factoring and Finance Solutions Pvt. Ltd., extending coverage in forfaiting and factoring markets. Majority ownership sits within the KIPCO-related shareholder base, with stakes held by entities such as Burgan Bank and United Gulf Holding. Over recent years the group has executed de-risking and restructuring measures following elevated non-performing exposures in certain legacy portfolios, leading to variability in profitability and provisioning; disclosures indicate a shift toward tighter underwriting, greater collateralization, and reduced appetite for higher-risk geographies. The bank participates in Malta’s Depositor Compensation Scheme, which protects eligible deposits up to the EU-mandated limit per depositor, and is subject to applicable AML/CTF and sanctions regulations. Operations are delivered primarily through corporate relationship teams and digital channels rather than an extended branch network. Prospective clients should review the latest audited financial statements, capital and liquidity metrics, and terms for cross-border services and deposit eligibility, as these are updated periodically in line with the bank’s risk profile and regulatory requirements.