Banking & Finance

Our firm regularly advises some of the most key-client companies and institutions in the financial services and banking sectors on both transactional and regulatory matters.

Core Legal Services

Our firm advises on all aspects of loan and security transactions, whether cross-border or domestic.

Having advised on a wide array of transactions over the years, the members of the firm have not only become familiar with the regulatory and legal framework but have also obtained the required commercial awareness.

Our firm consists of members who routinely represent lenders as well as borrowers. We have advised on both local and international financing and refinancing transactions, including project and syndicated financing and enforcement of related securities such as pledges, floating & fixed charges and financial collaterals.

Please refer to the below graph for an indicative analysis of the services our firm offers:


Transaction Structuring and Commercial Contract Negotiations

Rather than solely undertaking the drafting of the documentation in project financing transactions, our firm often assists clients with commercial contract negotiations and advises on the securities to be put in place, depending on the nature of each transaction.

In this respect, members of our firm have on various occasions advised on:

  • the rights of secured party/borrower once the security becomes enforceable;
  • enforceability and jurisdictional recognition of foreign transaction documentation (governed by laws other than Cyprus);
  • the impact of hardening periods and other insolvency provisions on the security;
  • perfection requirements of securities; and
  • release of securities.

Compliance & Regulatory

We advise and assist our clients with regulatory consultations on any upcoming regulatory changes and assist them in the formation and implementation of their contingency planning. We have both local and EU-wide external resources to assist our clients to remain fully compliant with all their legal and regulatory obligations.

Our clients include banks, credit institutions, payment services providers and other financial institutions. We assist our clients with legal issues in areas including, among others, the:

  • Banking Law;
  • Payment Services Law;
  • E-Money Institutions Law;
  • Sale of Credit Facilities and other Related Issues Law;
  • Guidelines issued by the Central Bank of Cyprus;
  • EU Directives and Regulations; and
  • the wider EU legislative framework.

Banking & Finance Advisory Services (Fintech and Regtech)

Given the highly regulated environment and the need for banks to follow the latest developments in the payment services industry, as these are driven and imposed by Electronic Money Institutions and Payment Services companies, the members of our firm have advised on the regulatory and legal regime governing the digitalisation projects of banks and have assisted the same in outsourcing to third party professionals certain of their functions, both critical and non-critical.

We are always keen to advise Banks, consultants and advisory companies on the regulatory regime and legal requirements governing their digitalisation and technology projects and/or products both prior and during implementation.

The members of our firm are passionate about all the latest developments in the Fintech and Regtech world and can also recommend ways of approaching certain matters to assist with licensing and approval of developed software products: please also refer to our dedicated website where you can find information on the projects that are currently being run by the firm’s technology arm, namely DS Partners IO.

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