APS Bank has announced its financial results for the nine months ended September 30, 2025, delivering a pre-tax profit of €17.8 million at Group level. This strong performance is attributed to strategic measures aimed at enhancing interest margins, expanding lending activity, and driving revenue growth across all business lines. The bank’s net interest income increased by 15.1% to €56.5 million, while net fee and commission income rose by 12.4% to €7.2 million.
The bank’s total equity stood at €311.4 million, with a CET1 ratio of 14.7% and a Capital Adequacy Ratio of 20.2%. APS Bank’s total assets increased to €4.38 billion, up by €221.7 million, driven by growth in retail and corporate lending. The bank’s liquidity management remains active, with holdings of debt securities increasing slightly.
CEO Marcel Cassar commented, “True to form, we are reporting one of the strongest quarterly operating and profit performances on record – thanks to the success of strategic measures aimed at enhancing interest margins, expanding lending activity, and driving revenue growth across all business lines.” The bank’s rights issue, which aims to raise €45 million, has already seen two-thirds of the amount placed with existing shareholders and new investors. This vote of confidence will permit more investment across resources, technology, distribution channels, product offerings, and overall business growth.
