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ARTICLE · 08 DECEMBER 2025

Financial Institutions' Requirements In Regards To Business Risk Assessments

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In the coming months, subject persons must submit their updated Risk Evaluation Questionnaire, confirm their Subject Person Profile and present a complete Business Risk Assessment.

MaltaFinance and Banking
Andrew Vella
Andrew Vella
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Financial institutions in Malta are entering the final stage of the annual regulatory cycle.

In the coming months, subject persons must submit their updated Risk Evaluation Questionnaire, confirm their Subject Person Profile and present a complete Business Risk Assessment. The FIAU establishes the requirement for an annual BRA and defines it as the foundation of a subject person's risk-based approach. The document is expected to identify Money Laundering and Terrorism Financing threats, assess inherent and residual risks, and demonstrate that the institution's controls are proportionate to its risk exposure. The preparation of a structured and evidence-based assessment safeguards against regulatory, operational and reputational risks.

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