Banks and Financial Institutions

Our clientele includes a wide range of companies operating in the financial sector: both local and international credit institutions, credit providers, investment firms, fund managers, funds, e-money institutions, payment institutions, insurance providers, as well as innovative Fintech companies entering the market.

Our team, dedicated to the needs of the financial sector, advises clients on all industry-specific legal matters to ensure the success of financial sector companies in serving their clients and achieving their business objectives, including:

Starting operations

• Establishing and managing a financial sector company
• Procedures for obtaining necessary licenses and registrations, including those with the Financial Supervision Authority, the European Central Bank, and the Financial Intelligence Unit, as well as cross-border service provision issues
• Creating internal rules and processes

Financing

• Initial public offerings (IPO’s) and stock market listings
• Bond issuances
• Issuance of covered bonds
• Financing of FinTech companies by angel investors and venture capital funds
• Shareholder loans
• Raising capital through securitization

Supporting core business operations

• Financial sector client agreements and product terms and conditions, including investment services and standard terms
• Loan origination and governance processes, including syndicate loan issuance
• Establishing and implementing anti-money laundering and international sanctions compliance systems
• Cross-border offering issues related to products and instruments
• Regulatory legal analyses, including classification of products/services, whether they require a license/registration, and the applicable conditions
• Issues related to operating in the securities market
• Factoring and leasing solutions
• Data protection and IT governance matters

Transactions, including business expansion and restructuring

• Complex international restructurings, mergers, divisions, and branch establishments
• Acquisitions of stakes in financial sector companies, including necessary background analyses (due diligence), transaction documentation, and related regulatory approvals

Proceedings

• Supervisory relationships (including administrative and misdemeanour proceedings, remote and on-site inspections)
• Court disputes and criminal proceedings