APS BANK P.L.C.

APS Bank p.l.c. is a Malta-based credit institution providing retail and business banking services, including current and savings accounts, term deposits, home and personal loans, SME and corporate lending, payment services, and digital channels via internet and mobile banking, supported by a branch and ATM network across Malta and Gozo; it also offers investment services and publishes fee schedules and interest rate information for its products. The bank traces its origins to the early 20th century and operates under a credit institution license issued by the Malta Financial Services Authority, within the European Union’s prudential framework (CRD/CRR) and the Single Supervisory Mechanism, and is a participant in Malta’s Depositor Compensation Scheme, which protects eligible deposits up to €100,000 per depositor per institution. APS Bank p.l.c. listed its shares on the Malta Stock Exchange in 2022 following an initial public offering and reports under IFRS, providing annual and interim financial statements, Pillar 3 disclosures, and information on capital, liquidity, and risk metrics. Standard European payments infrastructure is supported, including SEPA transfers and PSD2-compliant strong customer authentication, and the bank applies EU and Maltese AML/CFT requirements to onboarding and transactions. Product availability, eligibility, pricing, and limits depend on customer profile and regulatory considerations, and may change according to the bank’s published terms and regulatory updates.