Banking and Finance

Practice Area Overview

Malta’s attractiveness as a jurisdiction for the incorporation of various corporate structures has also resulted in a significant increase in the volume and complexity of banking and financing transactions involving Maltese companies.

The banking and finance team at Mamo TCV has been at the forefront of these developments and has advised local and international banking groups as well as corporate clients on some of the more complex and ground-breaking transactions in this space.

We regularly act for lenders and borrowers in international syndicated loan transactions as well for local credit institutions on a number of transactional and regulatory matters, which have gained us a strong reputation among our peers and the banking community generally.

We also advise clients that include certain statutory bodies, international banking groups, boutique outfits and fintech start-ups on regulatory matters ranging from license applications, to passporting, regulatory compliance, depositor compensation and resolution.

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Are you ready for DORA? Is it applicable to you?

Find out more on our dedicated DORA section by clicking here

Scope of Services

Licensing of credit, e-money and financial institutions
Exchange control and payment services
Regulatory and AML Compliance
Financial markets
Syndicated finance transactions
Debt Restructuring

Key Contacts

Andrew Muscat

Michael Psaila

“Led by Andrew Muscat, the banking and finance practice at Mamo TCV Advocates is a popular choice for both local and international financial institutions. It has worked on a variety of financing projects as well as regulatory work. The team has advised several issuers from a variety of sectors on listings on capital markets and has been retained as counsel to various credit and financial institutions operating in Malta.”
The Legal 5002021

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Banking & Finance

AI in the Banking Sector – a Sword, a Shield or an Achilles’ Heel?

1. Introduction We are not only living in a digital age but also in an age where individuals and businesses increasingly depend on banks for their day-to-day activities. The convergence of these two factors is compounded with the increased use of artificial intelligence (AI) both generally and specifically in the banking sector. From a general perspective, AI start-ups in 2013 received USD 2 bn in investments globally which increased twelvefold in 2018 to USD 24 bn . The European Commission is also planning to invest a total of €112 mm in AI, quantum research and innovation . More specifically, recent…

Banking & Finance

Six Months Until DORA: Mamo TCV Advocates Launches Detailed Overview

On the 17th of January 2025, the Digital Operational Resilience Act (DORA) will become applicable across the EU, including Malta. Maltese financial entities and ICT providers have 6 months to prepare for the new legal obligations that shall be imposed. In conjunction, on the 17th of January 2025, the Malta Financial Services Authority Act (Digital Operational Resilience Act (DORA)) Regulations, shall also come into force, further regulating the matter in Malta. We have recently launched our DORA microsite (www.doramalta.com) with easily understandable information which can serve as your reference point for available guidance. This document does not purport to give legal, financial…

Banking & Finance

Are you ready for DORA?

The ‘Digital Operational Resilience Act’ or “DORA” (Regulation (EU) 2022/2554) shall be enhancing and improving Information and Communications Technology (‘ICT’) operational risk requirements across various financial sectors. Subsequently, it imposes obligations on a vast array of different financial entities, as well as certain ICT service providers that assist such financial entities. These financial entities include the following: Credit institutions Account information service providers Investment firms Alternative Investment Fund Managers Crypto-asset service providers Payment institutions Central securities depositories Credit rating agencies Data reporting service providers Insurance and reinsurance undertakings Insurance intermediaries Crowdfunding service providers Mamo TCV Advocates can provide assistance by…

Mamo TCV Advocates: Proposed Amendments to the Depositor Guarantee Scheme Directive. Such proposal has been adopted by the European Parliament on 24 April 2024.

Banking & Finance

European Parliament Adopts Amendments to the Depositor Guarantee Scheme Directive

Banking & Finance

Payments Insights #3 –
Existing and Upcoming Strong Customer Authentication Requirements for PSPs

Mamo TCV Advocates: The Central Bank of Malta repeals Directive no. 18 on Moratorium on Credit Facilities with immediate effect. Find out more about this update here.

Banking & Finance