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Banking Industry in Malta

Malta Banking 

Regional and global consolidations of business and financial markets and increased regulation are bringing about important changes in the banking and financial services industries. This is more significant in the light of the integration of the 2004 Maltese financial markets into the larger European Single Market, pushing Maltese market players into a larger financial playing field.

Malta’s banking system has ridden the waves of the financial crisis successfully. Malta's banking system is consistently ranked among the top 15 in the world for soundness by the World Economic Forum's Competitiveness Index. Capital buffers retained by local banks are among the highest in Europe and Maltese banks have consistently returned solvency ratios that are almost double the EU average. This is further witness of Malta’s sound, reputable yet practical regulatory framework presented in the Malta Banking Act and the active supervision taken on by the Malta Financial Services Authority (MFSA), the regulator.

The Maltese Banking Industry

Malta banking has experienced noteworthy growth and continues to do so. The country’s banks provide a full range of personal, commercial and trade service to clients. Over the last years the number of credit institutions licensed by MFSA has increased from 4 retail banks to over 25 foreign or privately owned banks and 15 financial institutions. These include various respected names in international finance as well as a number of trade finance banks presenting specialized trade related instruments. The banking sector in Malta includes retail banking, private banking, commercial banking, investment banking, trade finance, treasury and syndicated finance.

Our Malta Banking & Finance Team

Our specialized banking industry team consists of a multi-disciplinary team of legal advisors, accountants and tax specialists drawn from our banking, corporate, tax, and real estate practices who have an unparalleled span and depth of knowledge from working with an array of financial services companies, credit institutions, insurance entities, funds and investment services set-ups. Our consultants do not just focus on the legal and regulatory aspects of this industry but provide results-driven practical counsel to our financial clients on some of their most elaborate and unique transactions and to help them address some of their most challenging business matters.

Our Legal Team assists our financial and credit institution client portfolio in setting up and operating from a Maltese regulatory and legal perspective. We work hand in hand with the promoters, in-house legal and financial consultants, executives and other officers. Our Tax Team also assists in devising the most apposite and tax-friendly structure for each specific case.

Chetcuti Cauchi’s expertise and familiarity with the peculiarities of the banking industry amalgamated with our comprehensive understanding of local regulatory processes has placed us as the firm of choice for judicious clients seeking a consolidated financial services solution provider in Malta.




Featured Publications

Banking Industry in Malta Publications

Malta Ordinary Residence Scheme - Dr. Jean-Philippe Chetcuti - 09/07/15
Banking Stability and Financial Services in Malta - Dr Charles Cassar - 03/10/13
Malta & Cyprus: A sea apart (European Commission Report on Malta) - Dr Maria Chetcuti Cauchi - 17/04/13
Malta Credit Institutions Own Funds Requirements - Dr Jonathan Pisani - 08/02/12
Banking Prudent Conduct Requirements under Maltese Law - Dr Charles Cassar - 08/02/12
Passporting a Maltese Banking Licence - Cristina Maria Scerri - 08/02/12
Malta Bank License Process - Dr Anton John Mifsud - 08/02/12
Highlights of the Malta Banking Act - Dr Anton John Mifsud - 08/02/12
Anti-money laundering legislation in Malta - Dr Charles Cassar - 08/02/12
Malta IP Holding Companies - Dr Trudy Marie Attard - 12/01/12

Related Industry Groups

Related Practice Groups

Contact Us

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+356 2205 6200
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Society of Trust and Estate Practitioners Institute of Financial Services Practitioners FinanceMalta The Malta Chamber of Commerce & Industry Malta Institute of Management The Foundation for Human Resources Development Malta Remote Gaming Council International Financial Law Review The International Tax Planning Association International Fiscal Association International Bar Association The Malta Institute of Accountants Legal500 HierosGamos Legal Directories Chambers & Partners


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Chetcuti Cauchi is a Malta Law Firm specialising in Malta Company Formation, Malta Tax Advisory, Malta Gaming Licenses, Malta Investment Funds, Malta Investment Services, Malta Permanent Residency, Cyprus Company FormationMalta Yacht Registration, Malta Ship Registration

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