Malta’s banking system encompasses the Central Bank of Malta, the Malta Financial Services Authority, and credit institutions, such as banks. The main banks in Malta are HSBC (Hongkong and Shanghai Banking Corporation) and BOV (the Bank of Valletta). Other banks such as Banif, APS, Deustche Bank, Lombard, FIM, Izola, and BNP Paribas Fortis also operate in Malta.