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€14,000,000 5% UNSECURED


Izola Bank p.l.c is offering to the public up to €14,000,000
Unsecured Subordinated Bonds due 2027-2032 at the rate of
5% per annum having a nominal value of €100 per Bond, at par. 


Prospective investors are to refer to the prospectus dated 22 July 2022 which may be downloaded by clicking the link below, while copies will be available at the participating financial intermediaries from 1 August 2022.


Izola Bank plc is licensed by the MFSA to carry out the business of banking in terms of the Banking Act, Cap. 371. Prospective Investors should read the Prospectus before making an investment decision to fully understand the potential risks and rewards associated with investing in the Bonds. Investors purchasing the Bonds are advised that the Bonds are not simple and may be difficult to understand. The subordinated bonds are complex and subject to a suitability assessment. Investors may lose part or all of their capital under a resolution action. The value of the investment may fall as well as rise. Past performance is not a reliable guide to future performance. The approval of the Prospectus by the MFSA should not be understood as an endorsement of the Bonds offered and admitted to trading on the Official List of the MSE. Issued by Izola Bank plc and approved for issue by M. Z. Investment Services Limited and Rizzo,Farrugia & Co. (Stockbrokers) Ltd as Co-sponsors, licensed to undertake investment services in Malta under the Investment Services Act, Cap 370. Izola Bank p.l.c. 53/58 East Street, Valletta VLT1251 – Malta T+356 2792 2040.

Home Sweet Loans

Unlock your dream home with Izola Bank
  • Financing for up to 90% of the value of your new home.

  • Choose a Fixed or Variable Interest Rate, depending on your financial needs.

  • Enjoy up to 100% refinancing of your existing home loan, so long as the total loan amount does not exceed 90% of the market value of your property.

  • Download our Ultimate Guide to Buying Your First Home.



Powering Growth.

Our focus is on providing enabling products that can help you achieve your ambitions for growth.

With over 28 years of experience in factoring and corporate lending, we’ve developed unique expertise in helping clients find solutions that work in line with their overall business strategies.

We provide personal clients with savings solutions that can help them save money towards their personal goals.

As an ethical, relevant and agile bank, we are commended for delivering financial solutions with a human touch. In today’s digital banking age, a personalised service could be the missing link between you and success.

We measure our own success, on the success we support you to achieve.

Family heritage.

Proven success.

We are wholly owned by the Van Marcke Group, a successful, family-run entity, founded in 1929 in Belgium.

A global challenger in the heating and water industry, Van Marcke Group have sales operations in Belgium, France, Luxembourg, the Netherlands, Switzerland, the USA and Malta.

Since 1994, we have amassed 28 years of experience in providing proficient banking services.  We’re the right size to support your ambitions for growth; small enough to remember that customer care is about providing real people to talk to and experienced enough to understand your financing needs and provide the right solution. Our clients commend us for our personal service and always being readily available to help.

What are you looking for?


Fast financing solutions for your business.

Izola Factor is designed to help your business access financial liquidity, so that you can focus on your business-to-business growth ambitions.

With a fast application process and up to 90% of the value of your invoices paid within 24 hours of being uploaded to our portal, factoring can be a smart way to combat tight cashflow problems, whilst at the same time avoiding taking on additional debt.

Plan for the future you want with saving solutions for personal clients.


What are you looking for?

If you need guidance on any of our services, we’d love to hear from you.