In 2025, the sector accounted for 7.2% of Malta’s gross value added, underlining its continued importance as a pillar of the national economy. Between 2020 and 2025, financial services recorded an average annual gross value added growth rate of 5.84%, despite mounting international regulatory pressures.
According to FinanceMalta’s newly published 2025 Annual Report, Malta’s financial services sector is entering a more selective phase of growth, prioritising quality, specialisation and resilience over expansion at scale with stakeholders moving away from volume-driven growth models in favour of higher-value activities and stronger ecosystem development.
“Malta’s financial services sector can no longer pursue scale alone. The priority is increasingly strategic clarity to build greater depth, quality and resilience across the ecosystem,” said Dr Bernice Buttigieg, Chief Strategy Officer at FinanceMalta.
FinanceMalta’s annual report showed how by the end of 2025, Malta had hosted over 2,400 authorised financial services entities and by June of the same year, foreign direct investment had already reached €485.1 billion, with financial and insurance services continuing to play a leading role.
The organisation is also repositioning its own role, shifting from broad international promotion toward targeted engagement and coordination across the sector. The report concludes that Malta’s future competitiveness will depend less on scale and more on attracting high-quality investment, supported by talent development and closer regulatory alignment.
