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Banking & Finance

The Banking Act and the Financial Institutions Act regulate banks, financial or credit institutions and electronic money institutions in Malta. These regulatory laws derive from the EU, and are enforced by the MFSA. Banking has become a significant part of the economy in past years, contributing to Malta’s presence as an international financial centre and attracting a number of international banks to our shores.

As a response to the financial crisis, regulation has become ever more stringent, and consequently banks come under greater scrutiny in the context of their overall operations. Risk management is the order of the day.

Capital Markets have also become very important in the field of risk-transfer, and legislation in this regard has become increasingly sophisticated, allowing Malta to combine its favourable tax status with the use of special purpose vehicles. The Securitisation Act has allowed Malta to become a favourable destination for structured finance.

GVTH has acted regularly for borrowers, lenders and investors, and has a deep understanding of commercial drivers that underpin financial transactions, drawing on its wealth of experience to guide clients on a number of issues:

  • Authorisation
  • Regulatory Compliance
  • Transaction Advisory
  • Structured Finance