APS Bank has reinforced its position as a thought leader in Malta's financial sector, with multiple representatives contributing to industry discussions during early March 2026. The bank's engagement across three major conferences underscores its commitment to advancing conversations that matter to both business and the broader economy.
Property Investment and Banking Support
Miguel Calleja, Senior Strategy Manager at APS Bank, participated in the inaugural talk organised by Belair Property, discussing the practical realities of financing property investment. Speaking alongside financial coach Patrick Debattista, Mr Calleja explored the topic 'From Capital to Keys – Banking and Borrowing for Property Investment,' addressing key considerations around how property investors can secure appropriate banking support and structure their financing strategies [1].
For many Maltese seeking to enter the property market or expand their investment portfolios, understanding the banking landscape is crucial. The discussion brought together expertise from both the financial and property sectors to demystify what can often feel like a complex process.
Workplace Wellbeing in Focus
Peter Gatt, Senior Employer Branding Manager at APS Bank, took to the panel at the fourth edition of the FIDEM International Women's Day Conference held at Xara Lodge. Mr Gatt contributed to discussions on workplace wellbeing, sharing insights on how organisations can actively support their employees and foster positive work environments [1].
His contribution highlighted less visible challenges that can impact staff welfare—issues that don't always make headlines but significantly affect how people experience their working lives. As Malta's workplace culture continues to evolve, conversations like these help shape a more supportive business environment.
Cybersecurity and Digital Resilience
The Governance, Risk, Compliance and ESG Conference, organised by the Malta Stock Exchange and supported by APS Bank, featured Dione Stephan Gravino, Head of IT Infrastructure & Operations at APS Bank. Mr Gravino participated in a panel titled 'Defending the Digital Perimeter: Emerging Cybersecurity Challenges,' addressing contemporary threats including AI-driven phishing, ransomware, and supply chain attacks [1].
In an increasingly digital banking landscape, cybersecurity resilience has become a competitive priority. Mr Gravino emphasised the importance of governance, awareness, and organisational preparedness in protecting against evolving cyber risks—lessons that extend far beyond the banking sector to any organisation handling sensitive data.
Financial Crime and Regulatory Evolution
Cynthia Borg, Head of Financial Crime Compliance and MLRO at APS Bank, contributed to a panel discussion titled 'The Role of the MLRO in Managing AML Risk' at the same conference. Her contribution addressed the evolving responsibilities of Money Laundering Reporting Officers amid intensifying regulatory expectations and financial crime risks [1].
Ms Borg highlighted upcoming changes under the AML VI Package, particularly the inclusion of sanctions within anti-money laundering frameworks. These regulatory shifts represent a growing recognition of the strategic importance MLROs play in safeguarding organisational integrity and protecting the financial system as a whole [1].
Industry Leadership Through Engagement
Together, these contributions demonstrate how APS Bank is engaging substantively with the challenges and opportunities facing Malta's financial and business communities. From helping individuals navigate property investment to supporting employers in building better workplaces, and from defending against digital threats to ensuring financial crime compliance, the bank is positioning itself as a constructive voice across multiple sectors.
For those working in finance, property, governance, or compliance—or simply interested in how these systems affect daily life in Malta—these industry discussions offer valuable perspectives on where the economy is heading and what institutions are doing to meet emerging challenges.