HSBC Bank Malta (MAL:HSB) Net Loan: €3,372.2 Mil (As of Dec. 2025)

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MAL:HSB HSBC Bank Malta PLC MAL:HSB
53 GF Score
Price €1.43
GF Value €1.33
Valuation Fairly Valued
! 6 Warning Signs
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What is HSBC Bank Malta Net Loan?

HSBC Bank Malta MAL:HSB +0.70% 53 Net Loan is €3,372.2 Mil as of Dec. 2025. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.33 (Fairly Valued). The stock has 6 warning signs investors should review.

HSBC Bank Malta's quarterly net loan declined from Dec. 2024 (€3,409.8 Mil) to Jun. 2025 (€3,390.6 Mil) and declined from Jun. 2025 (€3,390.6 Mil) to Dec. 2025 (€3,372.2 Mil).

HSBC Bank Malta's annual net loan declined from Dec. 2023 (€3,694.8 Mil) to Dec. 2024 (€3,390.6 Mil) and declined from Dec. 2024 (€3,390.6 Mil) to Dec. 2025 (€3,372.2 Mil).

HSBC Bank Malta Net Loan Historical Data

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The historical data trend for HSBC Bank Malta's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

HSBC Bank Malta Net Loan Chart

HSBC Bank Malta Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,728.36 3,807.06 3,694.76 3,409.76 3,372.20

HSBC Bank Malta Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,694.76 3,593.99 3,409.76 3,390.61 3,372.20
MAL:HSB
53GF Score
HSBC Bank Malta PLC MAL:HSB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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HSBC Bank Malta Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €3,372.2 Mil mean?
HSBC Bank Malta (MAL:HSB) has a Net Loan of €3,372.2 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on HSBC Bank Malta and its competitors.
Is HSBC Bank Malta's Net Loan too high?
HSBC Bank Malta's current Net Loan is €3,372.2 Mil. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Net Loan compare to PNC and USB?
HSBC Bank Malta's Net Loan of €3,372.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on HSBC Bank Malta and its competitors. HSBC Bank Malta's current Net Loan is €3,372.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.33, compared to a current price of €1.43 — trading 7.5% above its estimated fair value. The current Net Loan is €3,372.2 Mil. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For HSBC Bank Malta (MAL:HSB), the current Net Loan is €3,372.2 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is HSBC Bank Malta (MAL:HSB) Overvalued in 2026?

Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued. The current stock price of €1.43 is trading 7.5% above its estimated GF Value™ of €1.33. GuruFocus considers HSBC Bank Malta to be Fairly Valued.

Key valuation signals for MAL:HSB:

  • Net Loan: €3,372.2 Mil
  • GF Value™: €1.33 vs. price of €1.43 (7.5% above fair value)
  • GF Score™: 53/100 with 6 warning signs

No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HSBC Bank Malta Business Description

Address 116 Archbishop Street, Valletta, MLT, VLT 1444
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score

Get the complete analysis for MAL:HSB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.43
Price
€1.33
GF Value