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Bank Industry Risk Analysis: Malta Mar 00
Standard & Poors, March 2000
Abstract
The Maltese banking system is stable and well-advanced, operating in a fairly prosperous and stable environment. The many factors benefiting it include a flexible economy, a strong saving culture, the concentrated structure of the sector, and a large and loyal deposit base. Also, the gradual liberalization of the operating environment, a competent and well-educated labor force, and a strong and capable regulator help the constant development of the banking sector. At the same time, the banks are going through a restructuring phase to address problems of weakening profitability in the face of intensifying competition. Banking in Malta has a long tradition going back to the1800s, when Malta's status as a trading center naturally resulted in the springing up of financial...
Companies mentioned in this report are: HSBC Bank PLC,HSBC Bank Malta PLC
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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