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First Capital Plus, a Savings and Loans company has recorded impressive growth, posting 2,460.51percent increase in profitability between 2010 and 2011. Net Interest income which drives profitability in the financial services sector grew from Gh�7,018,451.00 in 2010 to Gh�29,969,960.36 in 2011 representing 327.02 percent increase. Chief Operating Officer (COO) of First Capital Plus, who disclosed this to the Daily Graphic said the company mobilized deposits to the tune of Gh�98,406,704.32 in 2011 as compared to Gh�36,067,287.00 in 2010 representing an increase of 172.84 percent. On the other hand, loans and advances grew from Gh�20,523,000 in 2010 to Gh�50,251,676 in the year under review, representing 144.86 percent out turn, as total assets grew by 173.92percent from Gh� 47,177,977.00 in 2010 to Gh�129,230,686.96 in 2011. According to Mr. Mensah, not only did the numbers improve but some indicators such as ratios which were important for investors also recorded impressive outturns. For instance, Return on Assets (ROA) grew from 0.57percent in 2010 to 4.83percent in 2011 while Return on Equity (ROE) grew from 3.5percent in 2010 to 32.10percent in 2011. The COO attributed FCP�s phenomenal performance to sound management policies, innovative and solid IT backbone, strategic long term relationship with clients, deep-seated understanding of customer needs and most importantly the guidance of the lord. �FCP�s positioning is based on �seeing lives� as opposed to �seeing customers� and as such we are genuinely interested in the welfare and wellbeing of our clients. This positioning also means that we treat our customers delicately and offers free professional advisory services to help clients manage their businesses and finances. All of these factors have culminated in making FCP a powerful force in the industry despite the fact that it is only two years old,� he stated. First Capital Plus (FCP) is a wholly-owned Ghanaian Savings and Loans Company that was established in October, 2009. Currently First Capital Plus offers one of the highest fixed deposit rates on the market and it�s the only bank in the country where customers can deposit and withdraw cash 24/7 through its Speedbanking SMS solution and ATM�s respectively. Apart the numerous banking solutions it currently offers FCP has recently introduced new Consumer Banking solutions for both customers and non-customers. Some of the new solutions include; Capital Smart Loan for salaried workers and entrepreneurs, Auto Plus loans to help in the acquisition of automobiles, Capital Church Credit to help religious Institutions to finance their projects and activities, EduPlus Credit for Registered and accredited educational institutions and their staff. Currently First Capital Plus has ten branches it is poised to add ten new branches by the end of 2012 and continue its rapid expansion as it positions itself to leverage on IT to develop products into the African, Asian, North American and European markets.