HSBC Malta and its subsidiaries reported pre-tax profits of €109 million for the year 2025, exceeding the €100 million mark for the third consecutive year. This achievement comes in the context of positive economic prospects for Malta, which continues to outperform many countries in Europe. Despite the challenges posed by a low interest rate environment, HSBC Malta has demonstrated resilience and steady performance across its business units.

The profits reflect a decrease of €45.4 million, or 29%, compared to 2024, largely due to the impacts of lower interest rates and reduced recoveries related to expected credit losses. However, the bank experienced strong underlying revenue growth driven by increased customer activity. This indicates that while overall profits may have dipped, the core operational strength of HSBC Malta is solid, pointing to a robust customer base and effective management strategies.

Moreover, the acquisition of a 70.03% stake in HSBC Malta by CrediaBank is currently undergoing approval from local and European regulatory authorities. This strategic move highlights the ongoing interest in Malta's banking sector and its economic stability. As the Maltese economy continues to grow, the banking sector's performance, as exemplified by HSBC Malta, remains a key indicator of the financial health and outlook for the region.