SUSTAINABILITY
Our approach to a greener future
Sustainability Market Briefing
Presentation of the Sustainability Report 2025
15 October 2026 - 14:00 CET
We are pleased to present our Sustainability Report 2025, prepared in accordance with the EU Voluntary Sustainability Reporting Standard (VSME), and provide an update on the Bank's sustainability journey and ESG performance.
Members of our Management team will conduct the Market Briefing by highlighting our progress, key achievements and sustainability priorities, followed by an interactive Q&A session.
The world faces pressing sustainability challenges, from climate change and environmental degradation to social inequality and economic disparities. Addressing these issues requires a collective effort from all sectors of society, including the financial industry. At APS Bank, we aim to contribute to Malta’s sustainable economic development.
As a community and sustainability-focused bank, we are embedding environmental and social considerations into our policies and financing frameworks. Our goal is to protect the interest of the community and support individuals and businesses on their journey towards a greener and more equitable future.
Sustainability approach
Our focus is to make sustainability an integral part of how we do business. This means offering sustainable finance solutions, integrating environmental and social considerations into our risk management approach, conducting business responsibly, investing in our people, reporting transparently, and supporting the communities we serve.
As part of our sustainability strategy, we have made three major commitments that shape our actions and our long-term vision.
Facilitate a quarter of a billion of sustainable finance by 2030
Reduce the impact of our operational emissions by 30% by 2030
Establish a baseline for our financed emissions in order to align our lending to reach carbon neutrality by 2050
Sustainable finance
As a community bank, we help our customers make more sustainable choices. Whether you are a business investing in your climate transition, a customer exploring sustainable savings or investment options, or a family buying or renovating a home, we are here to support you through responsible banking.
Explore our selected products designed to support your sustainability-related objective.
Financing solutions
Green Home Loan
Social Schemes
Eco Loan
MDB Business Loans
Saving products
Green Term Deposit
Investments
Sustainable investment
Role in society
Our CSR programme & sponsorships
We believe that giving back to the community is more than a responsibility - it is part of who we are. We actively support a wide range of community initiatives and projects. Our approach is grounded in forming partnerships that are just, sustainable, and mutually beneficial. We prioritise working with umbrella organisations to amplify our collective impact, rather than supporting isolated efforts.
Malta Sustainability Forum
Through the Malta Sustainability Forum, we are proud to raise awareness on sustainability topics and inspire action. Our goal is to help people make informed, sustainable choices for a better future.
Our network
We support market-driven sustainability by collaborating with organisations that share similar goals to amplify impact and share knowledge.
At the local level, we are an active member of the Malta ESG Alliance (MESGA), a platform for Maltese businesses to work together toward national ESG goals and lead by example in sustainable practices.
At the European level, we are part of the European Federation of Ethical and Alternative Banks and Financiers (FEBEA) and the Sustainable Banking Collaboration, joining forces with financial institutions from over 15 countries. We exchange insights and best practices to advance ethical and social finance across Europe.
Disclosures
Sustainability Report 2025 Available soon
This Sustainability Report has been prepared in line with the Voluntary Sustainability Reporting Standard for SMEs (VSME) and provides an overview of our environmental, social and governance performance, together with the initiatives and policies that support our approach to sustainability.
Pillar III Disclosures
The APS Bank Pillar III Report provides an overview of the regulatory capital and risk management practices and exposures in accordance with the Basel framework’s Pillar 3 requirements. By regularly publishing Pillar III Disclosures, we ensure stakeholders are well-informed about our approach to maintaining financial stability and managing risks in alignment with regulatory standards.
PAI Statement
This statement addresses requirements as set out in the Regulation (EU) 2019/2088 of the European Parliament and of the Council on sustainability‐related disclosures in the financial services sector (SFDR), It provides insights into how APS’s investment decisions impact various sustainability factors, like the environment, social issues, and employee rights to promote transparency around the negative, or "adverse" impacts that investments or financing activities may have on sustainability.
SFDR Disclosures
The Sustainable Finance Disclosure Regulation (SFDR) requires financial institutions to provide information on how sustainability risks and ESG considerations are integrated into investment decisions and advisory services. The aim is to give investors greater transparency and support informed decision-making.
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