Structural reforms of the EU’s banking sector : Malta’s financial sector’s gain or loss?

Abstract

My topic of interest here is relating to the structural reforms of the European banking sector. Through these reforms, I am looking to obtain an understanding of what these changes in rules have brought about to the banking and financial sector of the Maltese economy. There is no problem but there is a need here to find out whether the Maltese banking sector has gained or has made a loss from the introduction of these European reforms in its banking system. Thus the study here is all about the new reforms that were introduced by the regulators. Thereby the new capital structure that includes the Basel 3, and the bank recovery and resolution reform. The study includes the use of data that can be obtained as a result of past reforms that were introduced earlier. These previous reforms may be used as the base and these can then ultimately be used to compare results. Newer reforms should definitely be more effective unless something goes horribly wrong. Thus in this case the background of the study relates to the financial crisis and the older reforms that go with it. The main research question here that is being studied is that of whether these reforms actually have brought in a gain or loss to the Maltese banking sector.