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ARTICLE · 18 OCTOBER 2017

Secured Lending: Trends And Regulatory Climate

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The lending market in Malta has traditionally been a conservative one. This factor contributed significantly towards the stability of Maltese credit institutions and debt security issuers during...

MaltaFinance and Banking
Andrew Zammit
Andrew Zammit
Kurt Hyzler
Kurt Hyzler
Luca Vella
Luca Vella
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Trends

What is the current state of the lending market in your jurisdiction and have any new trends emerged over the last 12 months?

The lending market in Malta has traditionally been a conservative one. This factor contributed significantly towards the stability of Maltese credit institutions and debt security issuers during and after the 2008 credit crisis.

The main Maltese retail banks allocate much of their lending to home ownership loans and real estate transactions. While banks were typically looked on as the default lender by both large and small businesses, in recent years there is a clear trend for larger businesses to turn to the capital markets to address their borrowing requirements through the issue of debt securities (secured and unsecured bonds). There has been a marked increase in the number of bond issues over the past five years. The issue of such bond instruments is generally subject to prospectus formalities in accordance with the EU

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