Finance Trust Bank (FTB) has one of the most distinctive histories among Uganda’s financial institutions. Founded in 1984 as the Uganda Women’s Finance and Credit Trust, it was created specifically to extend financial services to low-income Ugandans, especially women — a mission still reflected in the fact that roughly 60% of its customers are women. The institution transitioned through several regulatory tiers before being licensed as a full commercial bank in November 2013. Its head office is at TWED Plaza, Lumumba Avenue, Nakasero, Kampala.
Important regulatory update: Following capitalization challenges and a prolonged, ultimately unclosed acquisition process involving Nigeria’s Access Bank Group, the Bank of Uganda approved Finance Trust Bank’s transition from a Tier I commercial bank to a Tier II credit institution, effective 1 April 2026. This means FTB currently operates as a licensed credit services company rather than a full commercial bank, though it continues to run its existing branch network.
FTB has historically maintained around 34 interconnected branches, with roughly 70% located in peri-urban and rural areas — including one branch on the Kalangala Islands. The table below presents a representative selection of these branches.
Finance Trust Bank — Key Branches Table
| # | Branch Name | Location / Address |
|---|---|---|
| 1 | Head Office Branch | TWED Plaza, Lumumba Avenue, Nakasero, Kampala |
| 2 | Katwe Branch | Kampala–Entebbe Road, Katwe, Kampala |
| 3 | Kampala Road Branch | Kampala Road, Kampala |
| 4 | Kikuubo Branch | Nakivubo Road, Kampala |
| 5 | Owino Branch | Kafumbe Mukasa Road, Kampala |
| 6 | Nansana Branch | Hoima Road, Nansana |
| 7 | Nateete Branch | Masaka Road, Nateete |
| 8 | Mukono Branch | Kampala–Jinja Highway, Mukono |
| 9 | Jinja Branch | Iganga Road, Jinja |
| 10 | Mbale Branch | Republic Street, Mbale |
| 11 | Mbarara Branch | High Street, Mbarara |
| 12 | Fort Portal Branch | Rukidi III Street, Fort Portal |
| 13 | Arua Branch | Arua |
| 14 | Kalangala Branch | Kalangala Islands |
| 15 | Entebbe Branch | Kampala Road, Entebbe |
Source: Finance Trust Bank official branch network data (financetrust.co.ug).
1. Head Office Branch
Finance Trust Bank’s Head Office Branch operates from TWED Plaza, Lumumba Avenue, Nakasero, in Kampala’s central business district. Unveiled as the bank’s new corporate headquarters in late 2023, this branch handles both administrative functions and full customer banking services.
2. Katwe Branch
Located along the Kampala–Entebbe Road in Katwe, this branch reflects FTB’s long-standing roots in this working-class Kampala neighborhood — historically the area most closely tied to the bank’s founding mission of serving low-income women entrepreneurs.
3. Kampala Road Branch
Positioned on Kampala Road, this branch serves customers along one of the city’s busiest commercial corridors.
4. Kikuubo Branch
Found on Nakivubo Road, this branch serves Kampala’s wholesale trading district, offering deposit, loan, and money transfer services to area traders.
5. Owino Branch
Located on Kafumbe Mukasa Road, near Owino Market (St. Balikuddembe Market), this branch caters to the vendors and shoppers of one of Kampala’s largest open-air markets.
6. Nansana Branch
Situated on Hoima Road, Nansana, this branch serves the rapidly growing municipality on Kampala’s northwestern edge.
7. Nateete Branch
Found along Masaka Road, Nateete, this branch serves the trading community in this busy Kampala suburb.
8. Mukono Branch
Located along the Kampala–Jinja Highway in Mukono, this branch supports the district’s mixed agricultural, educational, and trading economy.
9. Jinja Branch
Positioned on Iganga Road, Jinja, this branch extends FTB’s services to the industrial city along the Nile.
10. Mbale Branch
Found on Republic Street, Mbale, this branch serves Uganda’s principal eastern regional town.
11. Mbarara Branch
Located on High Street, Mbarara, this branch supports customers in Uganda’s key western regional hub.
12. Fort Portal Branch
Situated on Rukidi III Street, Fort Portal, this branch serves the western tourism gateway town and surrounding districts.
13. Arua Branch
Based in Arua, this branch extends FTB’s rural-inclusion mission into Uganda’s West Nile region.
14. Kalangala Branch
Located in the Kalangala Islands, this is one of FTB’s most distinctive branches, providing formal banking access to the Ssese Islands community on Lake Victoria — an area otherwise largely underserved by mainstream banks.
15. Entebbe Branch
Found on Kampala Road, Entebbe, this branch serves the lakeside town and its surrounding communities near Uganda’s main international airport.
