APS Bank Limited

APS Bank is a Maltese credit institution established in 1910. APS Bank specializes in providing retail banking products and services, including deposit accounts, consumer and mortgage loans. APS Bank also offers corporate banking and wealth management. The major shareholder of APS Bank is the Archdiocese of Malta and Gozo.

Services

Retail Banking
Corporate Banking
Wealth Management

Products

Financials

Total Assets (2017)
1 496.00 mln EUR  (+16.42%)
Profit before Taxes (2017)
18.36 mln EUR  (+14.75%)
Number of Employees (2017)
361  (+20.33%)

APS Bank Limited is the 4th largest bank in Malta in terms of total assets. In 2017 its total assets were 1 496,00 mln EUR, providing the bank with the market share of 5.51%. In 2017 the bank's profit before taxes was 18,36 mln EUR. APS Bank Limited had 361 employees in 2017.

APS Bank Limited participates in deposit guarantee scheme of Malta. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Contacts

APS Centre, Tower Street,, BKR 4012, Birkirkara, Malta
25603200
21226202

APS Bank Limited is headquartered in Birkirkara.

Bank Identifiers

BIC (SWIFT)
APSBMTMTXXX
MFI ID
MTCIAPSB

Business Summary

Services
retail banking
corporate banking
wealth management
Products
current accounts
debit cards
savings accounts
time deposit accounts (0.85 - 1.70 %)
retirement investments
green loans
student loans
consumer loans
mortgage loans
life insurance

APS Bank Limited provides products and services in the areas of retail banking, corporate banking, wealth management. The range of products offered by APS Bank Limited includes current accounts, debit cards, savings accounts, time deposit accounts (0.85 - 1.70 %), retirement investments, green loans, student loans, consumer loans, mortgage loans, life insurance.

Products

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with APS Bank Limited are covered by deposit guarantee scheme of Malta up to 100 000 EUR per depositor. APS Bank Limited offers the following time deposit accounts.

Updated on 20 January 2019

Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.85 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.85 %
Deposit Term (months)
12
Investment Amount
100 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
24
Investment Amount
100 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
36
Investment Amount
100 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.50 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
1.50 %
Deposit Term (months)
48
Investment Amount
100 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.70 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
1.70 %
Deposit Term (months)
60
Investment Amount
100 - 100000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Financial Positions

Total Assets (2017)
1 496.00 mln EUR  (+16.42%)

In 2017 total assets of APS Bank Limited were 1 496.00 mln EUR. Growth compared to the previous period (2016) was 16.42%. The evolution of the total assets of APS Bank Limited is shown at Chart 1 below.

Total Assets of APS Bank Limited.

Chart 1. Total Assets of APS Bank Limited.

Profit and Loss

Profit before Taxes (2017)
18.36 mln EUR  (+14.75%)
Annual Profit (2017)
12.00 mln EUR  (+9.09%)

Recent changes in gross profit of APS Bank Limited and its main components are shown in Table 1.

2016 2017 % change
Net Interest Income 28.0 33.0 +17.86%
Net Commission Income 4.0 4.0 0.00%
Table 1. Recent changes in gross profit of APS Bank Limited (mln EUR).

In 2017 profit before taxes of APS Bank Limited was 18.36 mln EUR. Growth compared to the previous period (2016) was 14.75%. The evolution of the profit before taxes of APS Bank Limited is shown at Chart 2 below.

Profit before Taxes of APS Bank Limited.

Chart 2. Profit before Taxes of APS Bank Limited.

In 2017 annual profit of APS Bank Limited was 12.00 mln EUR. Growth compared to the previous period (2016) was 9.09%. The evolution of the annual profit of APS Bank Limited is shown at Chart 3 below.

Annual Profit of APS Bank Limited.

Chart 3. Annual Profit of APS Bank Limited.

Number of Employees

Number of Employees (2017)
361  (+20.33%)

In 2017 there were 361 employees of APS Bank Limited. Growth compared to the previous period (2016) was 20.33%. The evolution of the number of employees of APS Bank Limited is shown at Chart 4 below.

Number of Employees of APS Bank Limited.

Chart 4. Number of Employees of APS Bank Limited.

Market Share and Rank (among banks in Malta)

Total Assets (2017)
4th (market share 5.51%)

In 2017 APS Bank Limited was ranked the 4th largest bank in Malta in terms of total assets, having 5.51% of the domestic market share.

Market share of APS Bank Limited (among banks in Malta)

Chart 5. Market share of APS Bank Limited (among banks in Malta)

Several banks having the market shares and ranks closest to APS Bank Limited are shown below.

RankNameTotal AssetsMarket Share
3MEDIRECT BANK (MALTA) PLC2200.27 mln EUR8.11%
4APS Bank Limited1496.00 mln EUR5.51%
5FIMBANK plc1393.44 mln USD5.13%
 

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Malta, except for branches of non-EEA banks, are obliged to participate in Maltese deposit guarantee scheme.

In the case of APS Bank Limited failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Covered Accounts  most types of deposit are covered, including current, deposit and savings accounts
Maximum Protected Amount  100 000 EUR
Paid In Currency  in the same currency as the deposit

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of APS Bank Limited and its components are shown in the table below.

BIC  APSBMTMTXXX
Bank BIC Code  APSB
Country Code  MT (Malta)
Location Code  MT
Branch Code  XXX

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of APS Bank Limited is shown in the table below.

MFI ID  MTCIAPSB

Domestic Presence

Branches (2017)
11 

In 2017 APS Bank Limited had 11 branches in Malta. The value didn't change compared to the previous period (2016). The evolution of the number of branches of APS Bank Limited is shown at Chart 6 below.

Branches of APS Bank Limited.

Chart 6. Branches of APS Bank Limited.