FCMB Group believes its subsidiaries, First City Monument Bank Limited, FCMB Capital Markets Limited and CSL Stockbrokers Limited are in a position to impose their authority in the retail market.

The company wishes to improve its presence in dealing with customer issues.

Mr. Peter Obaseki, The Managing Director, FCMB Group Plc said "2016 will be characterised by continued growth in retail contribution, stabilisation of wholesale banking revenues and increased focus on cost efficiencies".

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He revealed that retail banking business of the group, which is driven by FCMB, had continued to ‘’show greater resilience and earnings momentum over the years’’.

According to him, “3Q15 earnings as at September 2015 will be materially below earnings for the same period in 2014, due to two factors: a spike in impairments particularly in the energy sector and the significant reduction in trade finance-related revenues due to foreign exchange illiquidity.”

With the unique services of its subsidiary, the group hopes to capture the interest of customers by providing retail solution that will ensure their hold on the market.