Joseph J. Agius is the Head of Financial Stability at Malta Financial Services Authority. He was previously Deputy Director of the Securities and Markets Supervision Unit within this regulatory organisation and in this role he was responsible of the funds and investment firms sector in Malta. He started his career with Mid-Med Bank Ltd in 1978, holding various roles in the retail network. In 1992 he was deployed as a credit analyst at Mid-Med Bank’s Office Credit Department with responsibility for credit analysis preparation as well as post credit decisions. In 1997, he formed part of a small team tasked with setting up of Mid-Med Finance Ltd, the group’s merchant banking arm and later on that year he was appointed the Deputy Head of this Company. He joined HSBC Malta’s fund management subsidiary in 2000 and has held senior positions in investment management, fund administration and custody. He was, for a number of years, an active member of the committee at the Malta Funds Industry Association. He is a member of the Committee of the Institute of Financial Services Malta