Contact Jul /Aug 15 by Contact

July / Aug 2015

Tammy Menteshvili Ethics, integrity and trust

EU – IN OR OUT?

ETHICS, INTEGRITY, TRUST

We take a look at Gibraltar’s insurance sector and the implications of the forthcoming UK referendum on EU membership

Tammy Menteshvili stresses the importance of Guernsey’s image in the global financial arena – and she sets the record straight

G U E R N S E Y ’ S

B U S I N E S S

A HANDS-ON APPROACH Fund-raising events, concerts and sports-days - we find out about the spectrum of activities that makes up a college principal's day

M A G A Z I N E

A more direct approach to optimal cash management If the pinnacle is optimum efficiency, we recommend taking the direct route. Equipped with a range of leading integrated cash management solutions fitted to your unique specifications, we can facilitate the control of money throughout your organisation. To keep on top, simply call us on 0207 574 3247 or speak to your Relationship Manager. Alternatively, you can find out more by visiting us at barclays.com/wealth/cash

Wealth and Investment Management

Barclays offers wealth and investment products and services to its clients through Barclays Bank PLC and its subsidiary companies. Barclays Private Clients International Limited, part of Barclays, is registered in the Isle of Man. Registered Number: 005619C. Registered Office: Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ. Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission, registered with the Insurance and Pensions Authority in respect of General Business, and authorised and regulated by the Financial Conduct Authority in the UK in relation to UK regulated mortgage activities. Barclays Private Clients International Limited, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Private Clients International Limited, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE. IBIM4712 Guernsey April 2015

Welcome to a (hopefully) sunny summer I penned the introduction to the last edition of Contact only two weeks before the General Election in the UK. At the time the polls were indicating a hung parliament with the spectre of a Labour/SNP coalition holding the balance of power. Post election, to most peopleâ&#x20AC;&#x2122;s surprise - especially the pollsters - the UK has a Conservative government with a majority - albeit a small one. Irrespective of oneâ&#x20AC;&#x2122;s political views that must be good for the United Kingdom as it provides a mandate and removes one of the principal concerns that existed for the business community, being uncertainty in Government policy and direction. Earlier this month Chamber and the Young Business Group, in association with BWCI, produced the 2015 Business Trends Survey. The results were interesting and attracted considerable media interest. Respondents expressed muted confidence in Guernseyâ&#x20AC;&#x2122;s economic prospects over the medium term. Confidence within individual business sectors was much stronger with over half of respondents saying they were either confident or very confident about the prospects within their own sector. This seems good news given that companies will inevitably have a better handle on their own markets and industries than they will on the wider economic picture.

But no sooner has one issue been dealt with than another rears its head. The UK referendum on Europe will create uncertainty for some of our business sectors. Having said this I sense that the European question for Guernsey will not be as great as it will be for Gibraltar, a place we feature in this issue, following our theme of looking at some of our competing jurisdictions in the world. But two things are clear. We will have no real input on the outcome of the referendum and we as an island need to have a plan for either eventuality. As the saying goes: hope for the best, plan for the worst. Elsewhere we catch up with Tammy Menteshvili to discover her views on regulation, economic development for Guernsey and also touch on her plans for the future. So with the summer now upon us we at Chamber are looking forward with optimism. Current tourist numbers and projections are up on last year and the business community is feeling largely positive. Tax, population and infrastructure sit firmly in our sights as we hope they are in the States.

Reflecting on this result, Chamber is very conscious that the Business Trends Survey was undertaken prior to the UK general election. We strongly suspect that if the survey were undertaken today, the overall medium-term outlook would be markedly different with a more positive forecast being predicted. A more detailed article on the key results can be found on page 16.

Editor Trish Grover editor@collaboratecommunications.com Advertising sales Julie Todd sales@collaboratecommunications.com Design & production

Contact is produced six times a year by Collaborate Communications Ltd. To receive Contact magazine call Julie Todd on: communications 01481 715 222 or email: sales@collaboratecommunications.com

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FE AT U R ES

Viewpoint

Tammy Menteshvili

Richard Digard

Ethics, integrity, trust.

Gibraltar

Contents 6 Business news 10 Viewpoint 12 Chamber news 19 Tammy Menteshvili 26 Marketing & PR 34 Gibraltar 38 Risk management

All in a dayâ&#x20AC;&#x2122;s work With Ladies' College principal Ashley Clancy

50 All in a day's work

Grumpy old wo(man)

54 Business in the community

With Tim Guilbert

58 Grumpy old wo(man)

CONT RIBU T O R S Gemma Long - writer Nichole Sweetsur - writer Richard Digard - writer

John Oâ&#x20AC;&#x2122;Neill - photographer Chris George - photographer

Investment Outcome Char ting your own Course, South of France

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Investments can fall in value and you might get back less than you invested. Canaccord Genuity Wealth Management is a trading name of Canaccord Genuity Wealth (International) Limited (‘CGWI’) which is licensed and regulated by the Guernsey Financial Services Commission, the Isle of Man Financial Supervision Commission and the Jersey Financial Services Commission and is a member of the London Stock Exchange and the Channel Islands Securities Exchange. CGWI is registered in Guernsey no. 22761 and is a wholly owned subsidiary of Canaccord Genuity Group Inc. Registered office: 2 Grange Place, The Grange, St. Peter Port, Guernsey, GY1 2QA.

BUSINESS NEWS

Pet Technology Store wins 2015 Bill Green Award The winner of this year's Bill Green Award for Entrepreneurial Spirit is St Saviour's-based company Pet Technology Store. The Bill Green Award is organised by Guernsey's Young Business Group (YBG) and it is awarded to a locally-based business that

has demonstrated a desire to succeed, and the ambition, vision and drive to turn ideas into reality. ‘The pet accessory wholesaler and retailer is a Guernsey success story with exciting plans for the future, ‘ said YBG president Wing Lai. The standard of entries this year was high and the judges found it difficult to choose a winner, but Pet Technology Store is clearly a leader in their sector, and their base product for animals has many other applications which they are following up. It therefore has huge potential.

New FATCA solution launched Local IT consultancy Donkeylogic has developed a software solution that will help businesses with their FATCA (Foreign Account Tax Compliance Act) reporting requirements. Financial Reporting Utility can be bolted onto existing systems commonly used across fiduciary, banking and other financial institutions and enables users to maintain all required reporting data in one central repository.

‘The manufacture and assembly of the final product is largely done in Guernsey and will soon be completely done on island. This contradicts the myth that you cannot manufacture products in Guernsey because of the perceived higher cost.' Pet Technology Store was presented with the award at YBG's annual Summer Ball, held at the St Pierre Park Hotel on Friday 19th June. The ceremony was watched by a large audience of YBG members and friends after a dinner sponsored by IAG.

Developed initially to support FATCA requirements, the system is adaptable for UK FATCA and any other reporting standards, such as the Common Reporting Standard, as they are introduced. Director of Donkeylogic Justin Guilbert commented: ‘Our concept was to create a system that is easy to use and intuitive to navigate. With the ever-changing regulatory environment, we saw a demand for a customisable product that could be integrated with existing platforms. Reporting requirements are becoming increasingly complex and maintaining data on various spread sheets is not an option. Feedback from clients so far has been extremely positive.’

B U S IN E S S N EWS

financial markets experience including held a number of senior positions in New York, London and Tokyo with Deutsche Bank and Bankers Trust. In his new role John will be responsible for developing a strong network of clients and intermediaries in the Americas, giving them direct access to Elian’s global reach of offices and service lines.

Local company puts Channel Islands on the international digital map A new web app, designed and being built by a Channel Islands company, will launch on the world’s largest crowdfunding platform in July. Boocla is an online booking website for anyone who runs classes or courses. It has been created by Oi Labs, which is the digital innovation arm of marketing agency Oi. With Boolca, instructors, teachers, trainers and tutors, have access to a mobile-friendly website, class booking system, free sub-domain, free hosting, and free business cards for under $240 a year. Oi Labs is launching Boocla, which uses the latest Google technology, on Kickstarter with a target of $25,000. If reached, Boocla will be launched by the end of October.

Elian opens a New York office As part of its strategic growth programme Elian has opened an office in New York. The New York office will support the company’s range of corporate services, including corporate structuring, structured finance and asset finance as well as its broad range of administration services to private equity, real estate and hedge fund managers. The new operation will be headed up by managing director John Wallace (pictured), who has over 25 years' international

With a 30-day funding goal, investors on Kickstarter can contribute from $1 upwards to back Boocla. In return investors receive rewards rather than equity in the business. For example, a $25 investment in Boocla will return investors two months Boocla subscription worth almost $40, 50 free business cards and a Boocla training bag. For more information about Boocla visit www.boocla.com

Paul Willing, Elian CEO added: ‘The opening of our New York office is part of Elian’s strategic plan to become a truly global provider of outsourced administration services to corporate, fund and private wealth clients. New York is a key location for our international clients and their advisors and I am delighted that John has decided to join us. John’s experience and expertise are second to none, and I expect him to play a significant role in helping Elian become the most recognised and respected service provider in our sector.’

Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorised with a one-time unique dynamic security code, instead of using the security code from the back of the card.

‘We are really excited about Boocla in terms of being one of the first Channel Islands companies to take a web app like this global,’ said Peter Grange, Oi chief executive officer. ‘We believe Boocla is a great example of digital innovation projects being encouraged across the Channel Islands by the likes of Digital Jersey and Guernsey's Digital Greenhouse. We chose a crowdfunding launch strategy to attract additional investment, but primarily for the global exposure.’

‘Elian is a major player in the structured finance and alternatives fund space, as such having a strong and permanent presence in the world's largest financial market is critical. I am joining Elian at a very exciting stage and look forward to using the significant experience I have gained in financial services to increase our profile and drive growth in the key Americas markets,' he said.

Apple Pay to be offered by NatWest NatWest customers in Jersey, Guernsey, Isle of Man and Gibraltar will have access to Apple Pay, when it launches in the UK. The system is believed to be transforming mobile payments with an easy, secure and private way to pay and is part of the bank’s digital innovations to make banking more convenient for customers ‘on the move’. Security and privacy is at the core of Apple Pay. When you add a credit or debit card to Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers.

Victoria McEneaney, executive director at NatWest said: ‘We want to be the number one bank for customer service, trust and advocacy by 2020 and we know that our customers value simple ways to pay that use the most relevant and secure technology. The introduction of Apple Pay allows us to do this. In stores, Apple Pay works with iPhone 6, iPhone 6 Plus and Apple Watch. When paying for goods and services within apps, Apple Pay is compatible with iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3. Photograph courtesy of appadvice.com

BU S I N ES S NE WS The 85 strong delegation, including 12 from Guernsey, met in Jersey to debate cross jurisdictional issues, including tax systems, transparency, disruptive forces affecting the islands, KPMG and its clients, and the future for global markets generally.

KPMG event hosted for the first time in the Channel Islands The annual KPMG Islands Group (KIG) Conference was hosted in the Channel Islands for the first time in its history.

The symposium brought together KPMG country leaders, partners and directors from across the KPMG islands group. Presentations were made by representatives who travelled from as far afield as Bermuda and The Bahamas, as well as global heads from around the KPMG network. The agenda also featured a number of external speakers including Guernsey’s Treasury and Resources Minister Gavin St Pier. A thought-provoking, wide ranging debate was held over whether the Channel Islands should be focusing on FinTech, eGaming or Since it completed its successful MBO of its fiduciary services division in 2014, Ogier is exclusively focused on law, specialising in corporate, finance, funds, dispute resolution and private client work. ‘Since the MBO we’ve taken the opportunity to review our strategy, our position in the market and the factors that set us apart from others,' said Ogier’s global managing partner, Nick Kershaw. The result is a new brand identity to reflect the firm’s service strategy.

Law firm Ogier has a new look

‘Our corporate positioning now is around service delivery that is to the point,’ explained Nick. ‘We think we are great at not overcomplicating things; managing

Chair of the judging panel, Michelle Arundale from Insurance Corporation says awarding the top prize of £2,000 to Ronez was a unanimous decision:

Ronez wins conservation award Ronez has won the top prize in this year’s Insurance Corporation Conservation Awards for the many green initiatives the company has implemented at its quarry at Le Vardes. 8

‘We were greatly impressed by their commitment to maintaining a biodiversity action plan and their passion for delivering it. They have undertaken a huge tree planting initiative and have built numerous nesting boxes to encourage barn owls, kestrels and peregrine falcons. It was great to learn how involved the many staff members are in the project and their interest in protecting our precious green spaces and indigenous species in an industrial site is to be applauded.’ Runner up and winner of £1,000 is 15-year-

eHealth. High growth opportunities and the ambition for the islands to become leading FinTech and eHealth centres were identified. One of the most prominent tax leaders in the UK, KPMG’s Jane McCormick, presented on the topics of tax morality and tax transparency, and the need to engage with those who do not look upon jurisdictions such as the Channel Islands favourably. Mark Thompson, Chairman, KPMG in the Channel Islands, commented: ‘I was delighted to be able to host the conference in the Channel Islands and give our guests a flavour of what our islands have to offer. The feedback from our fellow partners, who all come from similar islands, was extremely positive.'

complexity for clients; providing advice that is never convoluted, always concise.’ The project involved a partner-led strategic review and an employee-led brand steering group, representing opinions from across Ogier’s international offices and service lines. The new identity will be applied across the eight jurisdictions in which Ogier operates. Ogier’s chief operating officer, group partner Jamie Bore, added: ‘We believe that as the marketplace continues to evolve and the issues our clients face become more and more complex, they appreciate the fact that we focus on what’s needed. Not ‘over-lawyering’, but getting to what really matters: clear, accurate, pragmatic and valuable advice.’

old Harvey Adams whose tree-planting scheme at KGV as part of the Little Trees Project also impressed the judges. Harvey also won the Peter Walpole People’s Choice award. As this is the 25th anniversary of the Insurance Corporation Conservation Awards it was decided to give an additional Manpower Award, the winner of which is the charity Edible Guernsey which will get a large team of workers from Insurance Corporation spending the day helping to develop the Bee Alley. The youngest entrant was eight-year-old Enzo Crowson who won a special ‘Young Conservationist of the Year’ award for his excellent bug hotel in his parents’ front garden.

B U S IN E S S N EWS

Startup Guernsey’s new board already proving a crafty lot Startup Guernsey has had a few changes at board level. Jennifer Strachan has been appointed Startup Guernsey’s new chief executive officer, while Rupert Dorey and Meriel Lenfestey join the board as non-executive directors. They will work alongside the organisation’s existing board member, chairman Carl Symes, director and general manager Tony Brassell and non-executive director Jean-Paul Peters. Additionally, Jason Moriarty, chief officer of Commerce and Employment has joined the

board to represent the States of Guernsey alongside Deputy Kevin Stewart. Carl said the new board was extremely apt for the direction Startup Guernsey is taking. ‘We’re pleased to welcome such diverse talents to our board, particularly during such an exciting time for Guernsey’s business and entrepreneurial communities. We want to continue to assist the 175 potential startups we see each year while looking at ways to encourage the island’s business diversity and bolster its entrepreneurial culture and reputation.’ And on the agenda is a new initiative aimed at developing some of the island’s cottage industries. Startup Guernsey has offered assistance to the local craft community to see if there is any potential for business growth. The initiative seeks to identify all the

hobby, handmade and cottage-type enterprises existing in the island and help them with any potential for expansion. Tony Brassell commented: ‘I know we have a wealth of talent locally and there are many creative people out there successfully selling handmade gifts and crafts.The problem is we don’t know all of them and I’d be keen to establish a Startup Guernsey register of these fledgling businesses and see if we can support them some more.’ Pictured from left to right: Seated: Rupert Dorey, Carl Symes, Jennifer Strachan, Tony Brassell Back: Meriel Lenfestey, Jean-Paul Peters

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VIEWPOINT WITH RICHARD DIGARD

Truly taxing times ahead Shortly after Treasury minister Gavin St Pier was headlined saying that a new OECD tax project was the future for finance, Guernsey found itself on an EU blacklist as a 'non-cooperative' jurisdiction. What's all that about? asks Richard Digard.

As letters go, Jonathan Le Tocq's to the EU Tax Commissioner protesting in the strongest possible terms about being blacklisted was a masterpiece. Righteous indignation, barely suppressed anger, hurt, puzzlement, incredulity... there were few emotions that couldn't be detected in the finely-crafted response to a baffling move by the EU. And, no, I'm not taking the mickey. Far from it. After all, what else could the Chief Minister

do in the circumstances other than set out the facts in a manner that exposed the foolishness of the EU's actions and protest in a diplomatic manner and urge the removal of the listing? I could have added 'perverse' ruling because, by any rational analysis of the situation, there are few jurisdictions that have been more compliant. Indeed, for the finance sector generally, the issue has been one of speed of adoption - we don't need to be leaders in the race to be good boys, they say

(I paraphrase slightly). What the surprise listing has done, however, is to highlight the high level of uncertainty facing the island and the unpredictability of what lies ahead. I was going to use the C word ’complacency’, obviously - as the theme for this issue’s column for reasons that, I hoped, would become apparent as the piece developed. That, however, will have to wait in the face of these latest developments.

The reason is that the EU blacklisting might reasonably have been predicted, or even perhaps should have been, given our investment in a Brussels office that is supposed in part to operate as an early warning system. I say this because it has now emerged that Sark ultimately lies behind that hostile listing and former Chief and Treasury minister Lyndon Trott was right to speak about what it says of the incompetence and possible malevolence at the Commission. The wider point, unfortunately, is that in a Guernsey context, Sark is toxic. Very few wish to recognise this, fewer still to actively speak up about it. Yet the fact is that sthe econd closest island in the Bailiwick is prone to poisoning the relationships that Guernsey seeks to have with the wider world. It has done so already with Whitehall, when key Guernsey legislation was held up in part at frustration at the way Sark was then dragging its feet on introducing democracy, and is now playing its insidious role in souring relationships with the EU. But the difficulties with Sark go beyond that. Lift the lid a little and the bucolic image it tries to present to the outside world - a tiny fragment of former feudal perfection - is actually a myth. Ask yourself why the Seigneur, who last year celebrated 40 years as its hereditary ruler, remains, unlike his aunt, La Dame, without an honour. Yes, he may well have turned one down. Or it may be that repeated allegations of involvement in the Sark Lark followed by being unable to recall what Panamanian directorships he held and when he relinquished them have played a part. In reality, it goes deeper than that. Those responsible for pushing these things forward

locally will be aware of the divisions on Sark - and I don't just mean the investment from Brecqhou thing - the absence of health care and the fact that the island stops educating its children just as they start their GCSEs so youngsters can only sit exams if mum and dad can afford £10,000 per subject are evidence of a failing society. If you could get the security folk to speak openly, there would be wider concerns too. The farcical level of firearms control is well documented, as are the claims of access to illegal drugs on the island. Oh, and it remains one of the rare ’democracies’ where candidates don't produce manifestos, where the number of candidates equals the number of vacancies and in which a surprising number of people who think all this is perfectly acceptable hold government-remunerated positions. I am genuinely sorry if this comes across as an attack on individuals and the island because it is not meant to be. As readers of a business magazine know only too well, it is the person at the top who carries the can especially when an organisation is falling apart and its lifeline, government owned shipping service is technically bust. The trouble with hereditary leaders, however, is that they can be a beggar to shift especially when the executives beneath them can't see the need for change and, as Chief Pleas now does, holds its main ’democratic’ sessions in secret before staging the official one in public in the absence of real debate and when the power-brokers have already taken the key decisions behind closed doors. The reason for labouring the point is twofold: if this was happening in, say, Torteval (actually with more than double Sark’s population), it wouldn't be tolerated and,

secondly, Sark’s (mis)conduct impacting on Guernsey. The last time it happened, when local legislation was held up at Privy Council but effectively UK political levels, Guernsey protested that Sark was an independent jurisdiction with its own legislature and the States was unable to interfere in its running. All true and a combination of Whitehall and Frossard House pressure was required to see that democracy (after a fashion) was introduced. But what happens now it's the EU that’s involved? While ’sorting’ Sark is a complex, high level constitutional matter and one that would ultimately involve the Queen, it is not something the EU is likely to give a fig about. Given the might is right attitude that exists there, trying to explain that Guernsey cannot compel Sark to do anything even though it is part of the same Bailiwick is unlikely to cut much ice. Yet these islands are clearly on the international radar, which is why a country like Greece, for all its rampant corruption, pervasive tax avoidance, vast shadow economy and virtual bankruptcy, keeps a straight face when labelling Guernsey as an uncooperative jurisdiction and others, like Poland, point specifically to Sark to demonstrate why we should all be blacklisted. Helier de Carteret, seigneur of St Ouen in Jersey, may have colonised Sark in 1565 after Queen Elizabeth I granted him the fief in perpetuity, but it is unlikely that Jersey, which has not been blacklisted by the EU, would want today's Sark as part of its Bailiwick. Which is precisely why either Sark or Guernsey's relationship with it has to reform.

if this was happening in, say, Torteval (actually with more than double Sark’s population), it wouldn't be tolerated and, secondly, Sark’s (mis)conduct impacting on Guernsey

CHAMBER NEWS

Chamber has had another busy couple of months with events The Grant Thornton Breakfast Seminar series has now finished and has been another big success. The recent retail event was presented by Ian Burdekin of Waitrose and Mike Penney from B&Q. Ian provided reports and some case studies about the performance and changes coming to Waitrose and John Lewis branches on the mainland. It’s clear from the partnership’s findings that digital shopping continues to grow, both regarding home delivery and

‘click and collect’. Whilst there’s an upsurge in the number of UK customers now doing their weekly shops online, Ian highlighted the need for physical shops to remain. Sometimes people simply want to walk around a store and touch, see and interact with products and people. Although these experiences in store are certainly leading the way for attracting customers to UK branches, Ian suggested that the Guernsey stores still remain destinations for ‘the big weekly shop’ (as opposed to the small, more frequent shops made by UK customers). Saturday apparently continues to be the biggest day of trading for Waitrose Guernsey by a considerable margin.

how they’re expecting more digital content from brands too. 55% of B&Q’s web traffic is apparently from mobile and tablet devices. B&Q will be introducing a ‘click and collect’ service which will be live in the Guernsey store by the end of this year. President of Chamber, Tony Rowbotham commented on the seminar: ‘The seminar was both hugely informative and absolutely fascinating. For those retailers who embrace the advances in technology and marketing, the advantages to both their business and their customers is clear to see. We’re extremely grateful to Waitrose and B&Q for sharing their companies’ thoughts and ideas on how the retail sector will develop over the coming years.’

Mike further emphasised how more customers are becoming ‘digital-savvy’, and

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CH AM B E R N E W S

Coming upâ&#x20AC;Ś A few key business events for your diaries Date

2 July 7 July 8 July 20 July 21 July

Event

Time

Venue

Booking / Information

Can we trust cyber-currencies?

1230 - 1700

St Pierre Park Hotel

www.aohall.com/news

Transport Research Laboratory Driverless cars

0800 - 9.30

i2Office

www.guernseychamber.com

Get to know Social Security

0745 - 0900

Les Cotils

www.guernseychamber.com

Chamber monthly lunch 1200 - 1400 OGH Hotel www.guernseychamber.com Saboohi Famili Principal of Guernsey College of Further Education Rise and Shine networking Breakfast

7.45 - 9.30am

www.guernseychamber.com

i2Office

17 August Chamber monthly lunch 1200 - 1400 OGH Hotel www.guernseychamber.com 16 September Business 2 Business Guernsey 2015 All day event Beau Sejour www.ec-jersey.com If you would like your event included in our diary please email details to editor@collaboratecommunications.com

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natwestinternational.com/online Search for the NatWest offshore app The Royal Bank of Scotland International Limited trading as NatWest (NatWest). Registered Office: PO Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Regulated by the Jersey Financial Services Commission. Guernsey business address: PO Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Regulated by the Guernsey Financial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended, the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended. Network charges may apply.

C H A M B ER NE WS

Transport strategy, traffic layouts, congestion, the bus service and numbers of cars on our roads – all these have and continue to hit the headlines locally on a regular basis. But what about autonomous or driverless cars?

to talk about these vehicles and what they could mean for Guernsey. Tech giant Google has been at the forefront of development so far, having been testing a fleet of Toyota Prius and Lexus RX vehicles fitted with its autonomous car technology on public roads for some time. Google launched its own prototype last year and recently confirmed that the small, pod-like research vehicle is also now ready for testing on public roads. But competition is brewing and a Chinese company is hot on Google’s tail (or should that be bumper?) Baidu, a Chinese search engine company, started working with BMW in 2014 to develop autonomous car technology, and has announced that it expects to have a self-driving car prototype on the roads by the end of 2015.

Now there is a chance to find out a bit more.

About Nick

Dr Nick Reed from the Transport Research Laboratory will be in the island on 7 July

Nick joined the human factors and simulation group at TRL in January 2004 following post-doctoral work in visual

perception at the University of Oxford. He has led a wide variety of studies using the full mission, high fidelity car and truck simulators with a number of published articles, conference papers, and appearances in national and international media. Nick also championed work in the area of vehicle automation at TRL, culminating in his technical leadership of the GATEway (Greenwich Automated Transport Environment) project – a flagship UK Government project to investigate the implications of the introduction of automated vehicles in the urban environment.

Event details Date and time: Tuesday 7 July from 8am to 9.30am Venue: i2 Office

Chamber has a number of sub-groups that meet regularly to discuss issues relating to specific topics. Creative and digital industries

Jay Aylmer

jay@thepottingsheddesign.com

Finance, legal and tax

Martyn Dorey

martyn.dorey@doreyltd.com

Hospitality and tourism

Luke Wheadon

luke@bellalucehotel.com

Land, planning and development

James Barker

james@create-architecture.com

Population

Barry Cash

barry.cash@guernseychamber.com

Retail

Jo Porritt

jo.porritt@crowdmedia.co.uk

Transport

Barry Cash

barry.cash@guernseychamber.com

Infrastructure

Rupert Dorey

rupertdorey@mac.com

CH AM B E R N E W S

That was the message from the guest speaker at a recent Chamber lunch, Chris Langlois, head of professional services at Sure. Chris gave his audience fascinating insight into how disruptive technologies affect business and how businesses must embrace this revolution to benefit Guernsey in the future. Chris also commented on the impact of ‘ The Internet of Things’. This is a scenario in which objects are provided with unique identifiers and the ability to transfer data over a network without requiring human-tohuman or human-to-computer interaction. The statistics speak for themselves – current estimates suggest that 13.5 billion ‘things’ are connected in this way and and that by 2020, this figure will have hit 50 billion.

Chamber monthly lunches continue to draw the crowds Thrive, don’t just survive…

Esther Ingrouille’s presentation on local housing control was equally popular. Esther, Housing Control’s principal officer presented some interesting figures regarding housing licence applications in order to dispel the myth that the current system doesn’t support local business growth. In 2014, 93% of essential licence applications and 89% of short-term licences were approved – statistics that seemed to surprise

the audience. Esther also presented a few thoughts on how the process can be made more efficient. She also outlined plans for the new population management system, due to be launched early 2017, which will be more streamlined and employer-friendly.

Farewell and thanks… To Anne Richardson who left Chamber last month to concentrate on her own growing business. Anne has been a valued member of the Chamber team and the face at many of our events. On behalf of all Chamber members and supporters, we thank Anne for her valued contribution and wish her every success in the future.

CHAMBER VACANCY COMMUNICATIONS AND EVENTS COORDINATOR - TEMPORARY FULL-TIME (Maternity Cover for approx. 6 months from August)

Experience in social media marketing, MailChimp, Eventbrite, Wordpress and InDesign would be desirable but not essential, as full training will be provided during a handover period.

Contact Nicole Bromley on 727483 or nicole.bromley@guernseychamber.com All applications will be dealt with in the strictest confidence.

B usiness TRE NDS

2015 Business Trends Survey Matt Stanbury of BWCI give us a summary of this yearâ&#x20AC;&#x2122;s key findings The Business Trends Survey is conducted annually by the Young Business Group (YBG) on behalf of the Chamber of Commerce with support and sponsorship from BWCI. The survey presents the views of Guernseyâ&#x20AC;&#x2122;s business community and establishes business performance and confidence levels within the private sector Following a three-week response period, 90 responses were received from across all business sectors, ensuring that the survey was representative of Guernsey business. The full results can be found on the Chamber and YBG websites. A short summary of the key findings is set out below: 2014 business indicators Respondents were asked about the performance of their businesses over the previous year. Over one third (35%) of businesses increased their staffing levels in2014. This was a significantly higher than the 23% who predicted an increase in the previous survey and represented the most positive response to staffing levels since 2007.

The net position (i.e. proportion of positive responses minus proportion of negative responses) for both profits and turnover were, like with staffing number, at their most positive since 2007 having shown reasonably steady improvement since the lows of 2009. 2015 business projections The survey also questioned businesses about their prospects for the coming year. Employment projections for 2015 are up on the last three years with over one in four businesses expecting to increase staffing numbers in 2015 and only one in 20 predicting a decrease. Profit projections for 2015 slipped slightly from last year but remain reasonably positive with over three times as many predicting an increase as predicting a decrease in profits. The chart below shows the trend in both predicted profits and actual reported profits in recent years. The net position of positive responses has been plotted (ie the number reporting an increase in profits minus the number reporting a decrease)

Actual vs expected profits

(net position: proportion of positive minus negative responses) 50 40

Turnover had increased for three in five businesses with only around one in seven businesses reporting decreased turnover. Profits were up for well over half of businesses with around a quarter reporting a decrease. 2014 vs 2013 Numbers employed

2014 vs 2013 Profitability

30 20 10 0 -10 -20

Down, 13% Up, 35% Same, 52%

-30

Down, 55% Up, 55%

Same, 21%

2006

2007

2008

2009

2 010

2011

2012

Actual profits

2013

2014

2015

Projected profits

-40

The chart shows that forecasts of profitability have generally been slightly over optimistic in the past. The survey is still waiting for the first year where actual reported profits beat the previous yearâ&#x20AC;&#x2122;s predictions. The improvement in profits since 2009 can also be seen clearly from the chart.

B usiness T RE N DS Island confidence levels (net position: proportion of positive minus negative responses)

Tax, pensions and benefits

Following on the tax, pension and benefits review, a new question was added to the survey this year to ascertain the business community’s view on where the States could raise or save money. The results showed that the favoured options were all cost-cutting measures rather than increases in taxation, with the top three being:

60 40 20 0 -20

2009

2010

2011

2012

2013

2014

2015

• Controls on states departmental spending

-40 -60 -80

Projected short term confidence

• Reducing or removing universal benefits

Projected Medium term confidence

• Reducing the cost of the old age pension

Island confidence As in recent surveys, respondents were asked about their confidence in the island’s economy over the short term (the next year) and the medium term (defined as the next three to five years). Short term confidence remains comparable with recent years’ results, with two in five respondents saying they are less confident about the coming year.

However, over one third of respondents did indicate that they might be willing to see increases in business taxes. The full results are shown in the chart below.

Further controls on States spending

84%

Reduce or remove universal benefits

44%

Reduce cost of the old age pension

42%

Increase corporation tax

36%

Remove tax relief on mortgage interest

Continuing the trend that had been seen in recent years, medium term confidence continued to dip, with over half saying that they were less confident in the island’s economic prospects in the medium term.

Island issues Businesses were given a list of potential issues that businesses in Guernsey may face and asked to rate each one on a scale from one to 10, for how pressing these issues were to them at the current time (with 10 being most pressing). ‘Reviewing the current system of government to improve efficiency and effectiveness’ proved to be the most pressing issue (with a score of 8.6). This was followed by ‘improving travel links with the UK’ in second place (7.9). These issues both had increased scores since last year’s survey. The number one issue for the last two years, ‘Adopting an effective economic diversification strategy’, has fallen to number five this year (with the score falling from 8.2 to 7.5 over the last two years) perhaps indicating that some progress has been made in this area. The full results are shown in the chart below. Addressing island inflationary pressure Addressing the level of skills in the island

Tackling land shortage issues

Reviewing the current system of government to improve efficiency / effectiveness

7.7

7.3

Simplifying the housing licencing process

9 8

7.6

8.6

Intoducing compulsory private pension provision Improving travel links with the UK

5.6

Adopting an effective economic diversification strategy

7.5

6 6.6

5.9

Diversifying our tax base

7.2 7.4 7.9

25%

Increase income tax for higher earners

25%

Introduce wealth taxes Increase headline income tax / soc. sec. rates Introduce consumption tax (e.g. GST)

However, when asked about confidence within their own sector, the picture was brighter, with over half confident of the economic prospects within their own industry for the coming year.

27%

Increase property tax

Withdraw tax allowances

13% 13% 6% 6%

20%

40%

60%

80%

100%

Overall, this year’s survey provided plenty of positive news. Employment and profit forecasts for the coming year remain positive. Some concern remains among businesses regarding Guernsey’s general economic prospects. However, respondents were reasonably confident about the coming year for their own businesses. As usual, it will be interesting to see what the results of next year’s survey show and in particular whether the 2015 projections are borne out in practice. Thank you to all the businesses who took part in the survey. We encourage businesses to take part in next year’s survey to ensure that the results remain an accurate representation of Guernsey’s private sector.

Overall, this year’s survey provided plenty of positive news. Employment and profit forecasts for the coming year remain positive.

Ensuring there is a long-term ICT strategy in place Ensuring there is a sustainable population strategy in place

TAM M Y ME NTE SHVI LI

Tammy Menteshvili Ethics, integrity and trust

TA M M Y ME NTE SHVILI

Tamara (Tammy) Menteshvili is a well known name in Guernsey business circles as well as being a highly respected financial professional within the City of London and beyond. She agreed to speak to Contact about her views on the island’s business climate and opportunities for the Channel Islands to develop their economies.

island life. She was brought up in New York (a slightly larger group of islands as she puts it) and pointed out the links between the city and Chamber.

Having maintained a dignified silence concerning the investigation of the former Channel Islands Stock Exchange (CISX), which she founded, Tammy agreed to give a personal perspective in order to set certain records straight. Eager to focus on the future, though, she was pleased to give us a bit of a hint about what’s next for her with regard to her own professional business activity. Tammy has lived in the island for the past 20 years, describes herself as ‘an adopted daughter of Guernsey’ and has been involved with many initiatives to develop and promote the financial services sectors as well as participating in many other aspects of

‘Interestingly New York was the home of the first English-speaking Chamber of Commerce which was established in 1768 by 20 merchants. It now represents around 30,000 businesses. Guernsey’s Chamber is on a slightly different scale but it plays an incredibly important role in the island, which should be valued by the local business community. I have worked closely with the team over the years and fully endorse its efforts in furthering the interests of businesses here.’

Tammy’s role in establishing and running the CISX is well documented and respected and she is rightly very proud of its achievements.

'The islands’ business leaders understood the potential economic opportunities that a stock exchange could bring in terms of inward investment. The exchange rapidly became an essential part of both islands’ infrastructures and enhanced their competitive standing as international finance centres and I am proud of the part I played in establishing this service for the Channel Islands.’ Tackling the elephant in the room, Tammy would not be drawn on the exchange’s eventual closure, but she did comment on the conclusions of the Commission’s investigation, which are two separate matters. ‘Of course I welcomed the outcome of the Commission’s investigation, which followed on from the review of evidence in the case

TAM M Y M E N T E S H V IL I

All regulation should be a study of accountability and transparency, not only for those who are the subject of regulation but of the regulatory authority itself. Photo location: Old Government House Hotel by an independent panel led by Michael Brindle QC. I was cleared of all matters arising from the investigation, which concluded there was no evidence to justify any action against me and that there had been no breach of regulatory requirements. In its public statement, the Commission expressly stated that I was and remain a ‘fit and proper’ person in good standing. Reputation and integrity are everything and so this confirmation of my good standing was of paramount importance to me.’ Unsurprisingly, the whole experience and particularly being the subject of adverse speculation over the period of the investigation was not pleasant. ‘What I found most disappointing and somewhat disturbing was the fact that much of the speculation was fuelled by leaks from what was supposed to be a confidential investigation. So I was the subject of criticism from people who neither knew me nor had any facts on which to base their comments. The uncharacteristic public exposure of the fact that an investigation was underway was unjustifiable – especially at a time when I and my fellow directors were rightly bound to respect the confidentiality requirements imposed upon us by the Commission and thus were unable to make any statement in our own defence.’ Of the investigation itself, Tammy is confident that it was robust. ‘I have worked in regulation for many years and I know that the Commission would have had to take all available information into account. It is obliged to do so as a matter of public law. The Commission’s referral of this case to an independent third party appointed through the Royal Court

ensured a just outcome for me and the former directors. ‘The CISX was built up over a 15-year period and was well-governed and profitable. It had robust systems and regulatory procedures in place, which were independently tested on a regular basis and with on-site inspections and reviews by the IMF and the Commission . It was a highly regarded and internationally recognised exchange with excellent prospects for further growth and continued innovation. ‘I am in a position where I do not have to justify my actions and I drew a line under the whole experience some time ago. However, the lingering effect on Guernsey’s reputation is regrettable.’ On the subject of regulation itself, Tammy is clear. ‘All regulation should be a study of accountability and transparency, not only for those who are the subject of regulation but of the regulatory authority itself. Most of the developed world operates within a system of checks and balances for its legislature as for its regulatory sectors. ‘Good governance demands some form of independent scrutiny or verification and where that is missing, it is likely that trust and credibility will be eroded over time. That’s not to say that our own regulatory structure is better or worse than elsewhere. Emphasis is being placed on the importance of demonstrating fairness and equitable treatment for all those subject to the regulatory process. This creates confidence in a regime whereby any authority or institution will be held to account for its actions, which can only happen if there is

a framework in place to deliver that scrutiny.' As for the island’s economic outlook, Tammy believes there are plenty of opportunities but she also finds some worrying trends. ‘There is much to be positive about. Both islands have a diverse and largely integrated financial services sector, a well-educated workforce, a wealth of knowledge, strategic time-zone, legislature based on common law, and there is a fascinating history and culture – a great story to tell. ‘Of course there are elements that the island should keep in check such as cost-effectiveness and our capacity to handle long-term growth. In addition, the need to address the implications of population controls and an ageing demographic are rightly the subjects of on-going debate. These issues are not unique to these islands but are matters being addressed across the globe. ‘Maintaining a positive image and perception of the island to the outside world is always of concern and was an issue being discussed when I first came to the island 20 years ago. I think, though, that Guernsey and Jersey have more of a challenge in this regard than other similar jurisdictions. There are probably around 30/35 jurisdictions providing financial services from what was once referred to as ‘offshore’ locations. Most of them are autonomous countries or part of a major world economy (London/UK, Delaware/US). Very few are labelled ‘tax havens’ – a term that we are seeing creeping back into use for the Channel Islands. And yet they all introduce measures and tax incentives to attract wealth generators in a similar way. 'Managing our image, which includes

TA M M Y ME NTE SHVILI dealing with misinformation and perception issues, is an increasingly important element in achieving competitive success, increasing market share and stimulating economic growth. I would like to see a more cohesive strategy to deal with image management and development for the island. ‘There are many companies and associations all playing a part but the issue needs to be managed centrally. Credibility, borne out of strong business ethics and trust, are key to a good image and reputation, which cannot be left to chance.' Having done much to enhance the island’s profile internationally, Tammy is well-placed to suggest a more coordinated approach to the island’s economic development planning. ‘I don’t think that there is a single cohesive strategy for economic development in either island or what exactly the economic vision is. Both Guernsey and Jersey need to continue to create jobs and build their respective tax base. It would be advantageous to have a central source to evaluate opportunities in terms of strategic fit, potential growth in GDP and other key criteria.’ Tammy explained that, in her view, to achieve economic growth, the island needs to identify and deliver upon four strategic areas of activity across all sectors. • To sustain existing international businesses • To develop new international businesses/industries • To enhance infrastructure through public/private partnerships • To support the development and implementation of new products and services ‘I am not saying that these things are not being dealt with at some level but our approach is fragmented and

centralising it could achieve so much more in my opinion.’

disadvantaged children and in support of financial literacy.

In terms of business development, Tammy is clearly a great supporter of Guernsey Chamber. She also believes that more could be made of the network of chambers worldwide to promote the islands.

She has also continues to play an active role in the local charitable sector.

‘There are around 13,000 registered chambers in the official Worldchambers Network registry – the largest business network across the globe. It would be great to see better use made of this network to expand the island’s horizons as well as fostering stronger relationships with other business networks – such as the livery companies in the City for example. I also think that at times we overlook the opportunities the Commonwealth presents. There is always a danger for associations to be too inward looking – something we should strive to avoid.’ Tammy acknowledges the success of Guernsey’s economic growth over the years and is upbeat about its future potential. ‘Economic development may be defined as the purposeful shaping of an economy towards a set of community goals. In respect of the islands’ economies this includes increased competitiveness, job creation and diversification in order to sustain high standards of living. It is important to recognise not only how far Guernsey has come but also how much room there is still to grow.’ Although Tammy has been out of the public eye in recent times, unsurprisingly she has been far from idle. She is a court assistant of the Worshipful Company of International Bankers – a forum for professionals with the City. Through this role she continues to support the organisation’s work in promoting ethical standards, its involvement with City affairs and its commitment to educational development projects aimed at

‘I have the privilege of serving as a Trustee of Les Bourgs Hospice as well as being involved in fund-raising activities for a number of local charities. As a fellow of the Guernsey branch of Institute of Chartered Secretaries and Administrators, I am also delighted to be mentoring a budding company secretary and continuing my own professional development through ICSA and as fellow of the Chartered Institute for Securities & Investment.’ But knowing Tammy’s tireless drive for a challenge there must be some bigger plan for the future. ‘I am working on two projects on the business front. One is a personal project providing me with a creative outlet for my interest in art and design. The other is a highly innovative concept providing a financial services solution to prevailing capital and socioeconomic trends. The potential role and reach of this intellectually stimulating venture is global and my business partner and I have been working on the project with a working group for some months. We have involved experts representing a broad range of disciplines so the planning process has been very comprehensive.' Tammy is known for being someone who finishes what she starts and was once described by a colleague as someone who ‘only loosens her grip to get a better hold’. There is no doubt that her new venture will be an exciting one and it would be good to think that the island could be a beneficiary of Tammy’s innovative thinking once again. Watch this space for more information on this intriguing project in a future issue.

Management accounting Payroll & bookkeeping Business support t: 700582 | w: www.lilleyandco.gg | e: enquiries@lilleyandco.gg

P EO P LE

Alexandra Haining, Swoffers Alex has joined the open market team in a new business development role. She has wide experience in the property sector, having specialised in the development of high-end residential London properties. This role will target high-net worth UK individuals, encouraging them to relocate to Guernsey or invest in the island’s property sector. Alex will work closely with the newly-created initiative Locate Guernsey. Shauna Clapham, Swoffers open market director said: ‘We are very pleased to have Alexandra join the team, especially at such an exciting time for Guernsey. It is fantastic to see such investment in the island with Locate Guernsey and we are committed to giving the initiative our full support.’

Joyce Kelso, LRD Joyce Kelso, head of groups at the Institute of Practitioners in Advertising has joined the board of LRD as non-executive director. Joyce’s career in the advertising and communications industry has taken her around the world over the past 30 years and she has worked on campaigns such as PG Tips chimps, Coca-Cola, Lilt, Fanta and Sprite. LRD managing director Tom Robertshaw said: ‘Joyce’s drive, enthusiasm and business knowledge will add real value to our offering. The IPA is the professional trade body for advertising, media and marketing communications agencies in the UK and her role gives LRD real insight into the collective intelligence of the best agencies in the country.’

Andrew Whittaker, Guernsey Investment Funds Association Andrew was elected GIFA’s new chairman at its recent AGM, a position he will hold for two years. Andrew has been a member of the GIFA executive committee for the past 12 months and has played a key role in lobbing key influencers in the UK and Europe on a number of issues. He is looking forward to this new challenge: ‘The Guernsey fund industry has a number of key regulatory issues which are significant to its future success. We have been entrusted by the industry to navigate these and deliver the best outcome for Guernsey which I am looking forward to doing.’

Carolyn van Vliet, Hamilton Brooke Carolyn is Hamilton Brooke’s new account manager. A PR and digital marketing specialist, Carolyn has returned to Guernsey after working at the London-based agency Four Communications. Her clients included a variety of high profile organisations within the tourism and travel sector. As well as being responsible for advertising and account management, Carolyn’s will also develop Hamilton Brooke’s current PR and digital offering. Director Efrem Cockett said: ‘We are very pleased to welcome Carolyn to the team. With her experience and knowledge of PR and digital landscapes, she will be a real asset to us and will bring our clients an enhanced communications service.’

Leon Meakin, Louvre Group

Martin Jones, Carey Olsen

Leon Meakin has joined Louvre as associate director to strengthen the growing funds team. With over 18 years in the Guernsey finance industry, Leon has a comprehensive background in fund services as well as board roles, project management and business development. He also brings particular expertise in open-ended fund administration.

Martin has joined the Guernsey litigation team as of counsel. Martin specialises in complex international and commercial financial litigation including trust and regulatory matters, cross-border fraud claims, multi-jurisdictional insolvency matters, asset tracing and contract and tort claims. He has substantial experience in property disputes and also spent three years in the Cayman Islands before relocating to Guernsey in 2006. Emma Little also joins the team as associate.

Kevin Gilligan, managing director of Louvre’s fund business said: ‘2015 has been very busy for our fund services business. Our Asian expansion and a strong first quarter for our Guernsey office has led us to grow the team and Leon Meakin’s experience will help us to further consolidate the team.’

TRUST MANAGER (permanent) A specialist fiduciary services provider is seeking a qualified trust professional with at least 10 years’ relevant experience in a trust management/supervisory role to manage a fiduciary team.

Guernsey head of litigation and dispute resolution, Karen Le Cras, said: ‘This growth reflects the increased volume of instructions we’re seeing in this practice area and supports our commitment to delivering the strongest offshore, cross-border litigation and insolvency offering.’

COMPLIANCE We have a variety of permanent and temporary compliance/AML/CDD roles available for suitably experienced and qualified individuals with trust, fund and banking backgrounds.

For further information on these positions please visit www.

PE OPL E

Claire Bufton, Saffery Champness

David Smith, IAM Advisory

Dawn Morgan, AG Accounting

Claire has been promoted to audit supervisor and audit manager.

IAM Advisory has appointed David as chief investment officer and chairman of the investment committee.

Dawn has joined the accounting team at AG accounting offering outsourced accountancy and financial services to the Guernsey business community. A chartered accountant, Dawn was formerly the finance director of an international infrastructure group.

As a chartered accountant and member of the Institute of Chartered Accountants in England and Wales, Claire has expanded her audit client portfolio to include a range of sectors including private equity funds, investment property funds, fund managers, and registered fiduciaries and charities. Claire has also pursued her interest in corporate finance work and has become part of the liquidations team.

David will lead the investment team which provides strategic direction and practical advice on structuring, monitoring and controlling all aspects of the management of the investment portfolios of the company’s clientele. He will also be closely involved with client management and business development across the company’s offices in London, Guernsey and Jersey.

Managing director Nick Batiste said:

Michael Strachan, managing direcor said:

‘As our firm continues to expand we are pleased to be able to acknowledge the growth and development of all of our practice areas through promotions and appointments.’

‘David’s appointment reflects the global demand for completely independent investment advice. David understands the way we work and our unique approach.’

During her career Dawn has gained experience in the fiduciary, banking and infrastructure sectors. Her various roles have covered all aspects of commercial accounting and management, which included the group consolidations and cash flows, flotation on the LSE, data rooms, disaster recovery and restructuring. Managing director Andy Gill commented: ‘Our clients represent a very wide spectrum of business sectors and Dawn’s varied background will be invaluable in servicing their needs.’

Steve Rickards, Barclays

Tobi Mathews, Equiom

Mark Cooke, C5 Alliance

Barclays has appointed Steve as head of offshore funds to lead the creation and implementation of the bank’s offshore funds strategy. He has 30 years’ experience with Barclays most recently heading up the Guernsey funds team providing debt solutions for private equity and working with local fund administrators.

Tobi has been appointed in-house consultant to the firm’s yachting and aviation teams and will provide support across all aspects of services to its worldwide client base.

Mark has been appointed to the C5 Alliance Guernsey board.

Paul Savery, managing director, said: ‘Barclays’ funds segment has seen some terrific cross-functional success over the past year or so. Specifically, the offshore business has worked hand-in-hand with the funds team in London to bring the very best of Barclays to our clients, and Steve has been a real catalyst to driving this relationship from a Guernsey perspective.’

A qualified lawyer, Tobi brings specialist knowledge and expertise in structuring and management in the fields of aviation, shipping, intellectual poperty matters, private equity and hedge funds. The group’s business development director, Richard Tribe, commented: ‘Tobi is a very well known and highly respected figure within the yachting and aviation industries. He is a welcome addition to our team and will ensure that we continue to provide our clients and their advisors with a value added service.’

ACCOUNTANTS It’s never been a better time to move if you’re a qualified accountant looking for a fresh start. We have a large selection of accounting roles in client accounting, financial management, tax and audit.

Mark who is director and head of IT services and operations has considerable experience at board level, having been chief executive of NHS Dudley and chief officer of HSSD locally. He has also held a number of finance director posts with responsibility for IT, performance management, business intelligence and project management. Marc Lainé, managing director Guernsey, said: ‘A lot has changed since Mark initially joined C5 and the demand for managed services locally has meant we have consistently developed our offering. Mark’s valuable experience and vision make him an apt choice to have at the helm.’

CLIENT DIRECTOR, FUNDS (permanent) As client director you will be expected to maintain operational compliance with company procedures whilst building and maintaining excellent client relationships with key clients, ensuring the delivery of the best service to them.

situations.gg, email team@situations.gg or call us on 710639

ND NC PR E AMFAORCKET U S ING ON A F INA

To blog or not to blog? Trish Grover from Collaborate Communications takes a look at why there is a growing trend in business blogging The emergence and growth of blogs in the late 1990s coincided with the advent of web publishing tools that facilitated the posting of content by non-technical users. Up until that point a knowledge of HTML or FTP was required precluding us non-techies from publishing anything online. Life has changed somewhat and blogs have evolved from being solely an outlet for personal self-expression to a medium through which businesses communicate with existing and potential customers. A blog is basically a short post on a topic generally directly related to your business or one you know will be of interest to your audience. It could be a comment on something happening in your industry; expert information or advice; interesting anecdotes or human interest that will appeal to your readership. The aim being that over time your site is a ‘go to’ resource for helpful, informative content. What your blog shouldn’t be is 1,000 words of self-promotional marketing copy that should be confined to your brochure or other pages on your website. So why bother? If you are a small or fledgling

business you might well wonder whether it’s worth the time and effort. Well some reports suggest that up to 76% of B2B marketers are using blogging to attract new customers. Here are a few of the main benefits (please note some of the figures quoted are US-centric). Search engine rankings Those in the know about SEO, rate blogging as a key part of positioning a website as high as possible in the Google search results. New content is an absolute must to improve and retain rankings. Each blog that you post is another indexed page on your site, which indicates that your site is active and creates another page to generate traffic from organic searches, which in turn will drive incremental visitors to your site. Blog fact: 59% of SEO professionals rate blogging as one of their top inbound marketing activities, and have subsequently created a blog or increased their blogging efforts (Moz 2012 SEO Industry Survey). Valuable social media content Each time you post a blog you can share it through your social media channels – another proven way of driving visitors to your site. You can engage with your potential clients providing them with useful and interesting information that’s easy for them to share with their own network of contacts in turn giving your business exposure to people who don’t know you. Blog fact: 84% of B2B marketers use social media in some form (Aberdeen). Establish your expertise Irrespective of the size of your operation, you can develop your audience’s trust through thought-provoking content. This can eventually lead to an increase in conversion rates and is a way for a small business to compete against the ‘big boys’. Blog fact: Blogs are the 5th most

trustworthy source for information on the Internet (Technorati). Communicate your brand values A blog can help you show the ‘human’ side of your business and what your company stands for. Stories about any CSR activity your team has undertaken can help your audience get an insight into your company values and personality. Blog fact: 82% of consumers enjoy reading relevant content from brands (Ignitespot). Generate leads A simple call-to-action at the end of a post can generate new leads. These might be a free consultation, free trial, or a white paper that is given in exchange for a potential customer’s details. Blog fact: B2B marketers that use blogs receive 67% more leads than those that don’t (Hubspot). There are other questions to address such as how often to blog, how long should a blog post ideally be. This will differ depending on the sector and whether a business is focused on B2C or B2B activity. But without doubt, blogging is a relatively easy and inexpensive way of driving website traffic, generating leads and engaging with your current and potential clients. If it still sounds too difficult there is help out there (62% of companies outsource their blogging and content marketing). And for those fellow grammar and spelling pedants amongst you, a couple of statistics that I found quite encouraging… 59% of UK internet users would avoid doing business with a company who made obvious spelling or grammar mistakes on its website; and 74% of them pay attention to the quality of spelling and grammar on company websites (realbusiness). I would just like to know what’s wrong with the other 26%!

G AN PR E AMFARK OCUEST IN ON F INDANC

Do-it-yourself PR: a beginner’s guide, Nichole Sweetsur of Sweet PR Small and emerging brands often struggle to balance the need to invest in marketing to drive sales with the budget restrictions typically associated with a fledgling enterprise. It’s an age-old business problem: you need to invest to grow but if the capital isn’t available, spending money with marketing professionals is simply impractical. The solution is to roll up your sleeves and take a DIY approach to marketing. After all, no one knows your brand as well as you do, so surely marketing it will be simple, right? The answer is, yes, but like any DIY job you need to be armed with the right tools, perseverance and a little help from a professional – be that in the form of specific training, online videos, how-to books or blogs. Marketing is complex and is composed of many disciplines, but focusing on public relations is a good place to start simply because it can deliver maximum returns for smaller investments than, for example, advertising. To quote Richard Branson: ‘Publicity is absolutely critical. A good PR story is infinitely more effective than a front page ad.’ Broadly speaking, PR is the process of maintaining good relations between an organisation and those outside of it. Good public relations start within the company, you need to walk the talk because a robust reputation has to be built on substance, not spin. Social media, editorial exposure and compelling website content are all tactics that can be achieved by business owners themselves, as long as they have the right tools and a little know-how. Always start with your audience. What are their needs, what interests them, what do

they read and how do they engage with and share information? Create a set of customer personas; they may start as fiction but the more intel you have on your customers the more real they will become. Use them to define and test your brand’s key messages or unique selling points and use them to ensure your marketing tactics stay on track. Editorial exposure via print, broadcast or online media can be a powerful endorsement for your business. Media relations is the process through which a brand, organisation or person gains exposure in this way and, whilst it can be time consuming, the page space you receive has no cost and it can deliver complex messages that are harder to communicate in advertisements. Always do your research; understand what types of content the newspaper, magazine, radio station or news channel want. Resist being too commercial and instead consider what types of story you could develop to communicate your brand values or key messages. Put yourself forward as an expert, consider sponsorship or CSR opportunities and keep your eye on the news agenda to look for opportunities to showcase your expertise. At the heart of media relations is creating editorial content that has news or interest value for the title’s readership. Well-written, newsworthy press releases and good quality, stand-out images will help to make a story and it’s possible for anyone to learn how to produce both. Alternatively, have a professional produce the materials and reach out to media yourself to start to form those all-important relationships. Social media is another ‘must do’ for reaching today’s consumer. Start by finding out which social channels to use and what type of content to post. Going back to those

marketing personas will help to answer those questions and social media training is a worthwhile investment that will pay dividends in the future. Social media is a fast-moving, complex sector but don’t let your head be turned by the latest channels like Periscope or Ello, unless you are convinced your audience is using them. Getting on board early with new channels can have long-term advantages but at the end of the day it’s a method of communicating with your audience; if they’re not there, neither should you be. Remember social media is just that – social. It allows brands or organisations to have a two-way conversation with their audience. Expect them to talk back to you, drive this in your approach and be ready to respond and engage with your followers. As well as spreading the word, you’ll get vital and fast feedback so it’s a cost-effective research tool as well. Website content is another communications tool that businesses can do under their own steam. Again, remember this is a two-way street. Sure, tell your audience more about your business, give them a window into how you operate and all the things that make you different from your competitors, but do also post content about a wider range of topics that you know will interest the customer and capture their attention. Plan your content in advance, figure out the best way to deliver it via regular website updates or blogs and do make the time to share and amplify it via social media or email marketing. Don’t feel you have to go it all alone. Work with copywriters or communication specialists who can offer you training, polish your content or offer strategic advice. Be realistic about what can be achieved and plan your time carefully to ensure you can follow your activity through to completion.

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NG F AINA ND NC PR E AMFAORCKE U STION

Is the nail in the press release coffin? Gemma Long of Gem PR & Media considers the relevance of the press release in gaining positive outcomes and the ever-changing face of public relations

The press release, as a PR institution is not dead, but it is dying. It’s much easier for an international corporation such as Coca-Cola to proclaim, as it did in 2013, that its PR team would cut the number of press releases issued in half and by 2015 it would ditch the news release all together. For providing journalistic content, dubbed brand journalism, I applaud the soft drinks giant in its innovative approach. However, start-ups and small to medium enterprises would struggle to compete with this approach. We don’t all have funding for access to, and the development of, technology to support the creation of hourly updates to our own company news sites or blogs - there’s neither the time nor the manpower. That said, there are a number of existing, high value versus low cost, combatants to the traditional press release, which when used at the right time, through the right medium and for the right audience can be extremely effective. If you feel like the drum’s been beaten a million times when it comes to social media, that’s probably because it has. But fair enough. Social media plays a major part in many of our lives, whether we acknowledge it or not, in terms of how we, our friends, family, clients receive and disseminate information. So, as relevant as the printed word has been for centuries, social media now dictates how many of us receive news locally, nationally and from around the world. So why wouldn’t you provide regular updates on your company news page or blog and then post these to your social media platforms? If the thought of creating a daily newsfeed fills you with horror, what about considering how you might attract your audience through the TV or radio? There are companies in Guernsey creating footage,

presented by individuals within these organisations, which are placed on their websites or streamed via their YouTube Channel. So how about we take it one step further? What about working with the TV and radio stations to provide digital clips, which they can then use in their bulletins? Of course, the TV and radio stations need to be open to the idea, but I’ve worked with some that have welcomed valuable input from PRs on behalf of their clients. Or, instead of loading press releases onto news websites, what about uploading these clips?

There are companies in Guernsey creating footage, presented by individuals within these organisations, which are placed on their websites or streamed via their YouTube Channel. If you have a worthy project and require financial backing, crowdfunding could be a great way to gain exposure in the media. The key here is to bring stories directly to the media – and you need to think about how you’re going to do that effectively – guest blogging is just one way of reaching your target audience. If this is all still a little bit scary then let’s turn to pen and paper (or rather keyboard and computer). Prior to this digital world full of content creators, was what we call civic journalism; PRs were essential in providing companies with connections to journalists

and editors. There are publications, online and offline that welcome contributors’ articles, which results in a mutually beneficial relationship for both parties. You don’t have to send out a press release to have a publication tell your story. What one newspaper or magazine writes compared to another; its house-style, word count and content, will differ. By selecting the media outlets that best suit your target audience, providing relevant content and telling a story, you’ll experience far greater success. And then there’s measurement and evaluation. How do you know if what you are doing is working if you don’t analyse it? Remember, it should be outcome over output. Press cuttings are nice, they show that you achieved something, and you might even get presented with a pretty folder at the end of each month with printouts that include websites of which you’ve never heard. But, did you set goals at the beginning of your campaign? Do you have an idea of the impact your campaign has made on your business? Can you measure the return on investment? Whether your aim was to attract an increased number of customers, sell a larger quantity of products or increase traffic to your website, you should know the relevant outcome. You should also have a clear idea of what is next and how PR can further help your business. At the end of the day, drafting a 300-word press release, typing in a list of email addresses, blind cc-ing it and hitting the send button might save you time, and even money, in the short run. However, negotiating the writing and submission of an article that’s a good read, informative and gets the cogs in our brains turning is far more likely to provide valuable content and noteworthy results.

G AN PR E AMFARK OCUEST IN ON F INDANC

Guernsey Awards for Achievement celebrates 30 years

‘Achievement is honest endeavour, persistent effort to do the best possible under any and all circumstances.’ This quote from the author of The Secret to Achievement embodies the spirit of the Guernsey Awards for Achievement which this year is celebrating 30 years since first launching in 1985.

Myth: It takes a long time to complete the entry form.

5. Increase staff motivation and involvement in the entering process

Fact: The entry forms have various questions which have maximum word counts so that a level playing field is maintained and that each form is not too wieldy and complicated to complete.

Back then, the world saw the first version of Windows, Windows 1.0 being released; the FDA developing a test for screening blood for AIDS; the first successful artificial heart transplant; Gorbachev becoming the de-facto leader of the Soviet Union; New Coke being launched for (and within three months being removed from) sale; and Live Aid, for the famine disaster in Ethiopia, literally taking the world by storm in terms of its fundraising ability.

Myth: There is little benefit in entering, being shortlisted or indeed winning.

The strapline of the Guernsey Awards for Achievement – be in it to win it – does exactly what the words imply. You can only win one of the business awards if you enter and you should enter because you and your company really want to, not because you feel you ought to.

30 years on, the world of business has changed out of all recognition due to the World Wide Web and information technology revolutionising how we communicate both in our business and personal lives. The Guernsey Awards for Achievement have also seen considerable change over the past 30 years. There are now business awards each of which are designed to attract and encourage entrants from across the commercial tapestry of Guernsey. The two special awards of Unsung Hero and Ambassador of the Year recognise achievement and endeavour by individual personalities. Every business in Guernsey should enter the Guernsey Awards for Achievement and there is no better time than this year when the awards are marking such a significant milestone. There are several myths that surround the Guernsey Awards for Achievement which should be immediately dispelled: Myth: The business awards are designed to attract the large financial institutions. Fact: Whilst financial companies do enter the business awards the full list of entrants across all the awards reflects the diversity of business community in Guernsey.

Fact: One of the most frequent pieces of feedback from entrants – be they entrants, short listed finalists or winners – is that the exercise of completing the submission form was one of the most valuable exercises a company can execute, as the business can be analysed as the total sum of its individual parts.

You can put on your running shoes and take to the track aiming to get the finishing line first or you can sit on the sidelines and watch everyone go past you Will entering, being shortlisted or winning one of the business awards actually result in increased sales and profit for my company? It is impossible to provide a quantifiable answer but there are several very important reasons to enter: 1. Benchmark your company’s success 2. Analyse your business 3. Differentiate your business from its competitors 4. Receive positive profile in the media

A previous winner of the Best Small Business Award so aptly described the entering process as ‘You can put on your running shoes and take to the track aiming to get to the finishing line first or you can sit on the sidelines and watch everyone go past you’. Each of the business awards has an independent judging panel comprising individuals who are specialists in the topic of the award. For example, the BWCI Innovation Award has Jon Moulton and Alison Ozanne on the judging panel; Simon Le Tocq of the GTA University and Linda Johnson, deputy chair of the IOD Guernsey Branch are new judges on the Condor Ferries Employer of the Year Award and Simon Thornton chief executive of PraxisFM Group has joined two local entrepreneurs – Jo Watts of Watts & Co and Warren Mauger of Spike Productions on the NatWest Best Small Business Award. The starting gun for the 2015 Guernsey Awards for Achievement is to go off on Monday 13 July 2015. Entry forms and guidance notes can be downloaded from www.awards.gg as of this date where you can also view full details of each of the judging panels as well as browse through frequently asked questions. The winner of the 2014 Guernsey Business of the Year was IAG – International Administration Group – and upon receiving the award, Mark Woodall, director and co-founder of IAG described the entry process: ‘We really enjoyed it and learned a lot about ourselves and the people we work with’. The Guernsey Awards for Achievement is open for business. 29

ND NC PR E AMFAORCKET U S ING ON A F INA

Decoding social media guidance for the finance industry For an industry bound by strict rules and regulations, social media is a potential minefield for the finance sector. Kim Bougourd, from Liquid Communications, looks at how financial institutions can operate safely in a public space. It’s a ‘given’ these days that the majority of businesses will have a Twitter account, Facebook page and a presence on LinkedIn (although what they use it for and how active their accounts are will be very different with some just registering to stop others owning the space and others using it as an integral part of their corporate communication). Our daily lives have moved online, whether it’s to read more about a breaking news story, check out the weekend’s weather forecast or look for a bargain and businesses are recognising that they need to do more to engage with an increasing mobile customer base. But unlike most B2B companies, which can offer prizes or discount incentives in return for a ‘retweet’, the finance industry must tread carefully. Such incentives are simply not allowed and the promotion of financial products must have the equivalent of glaring neon arrows stating that they are such. Earlier this year, following extensive consultation with the industry, the Financial Conduct Authority (FCA) published its own guidelines on the use of social media. It takes a supervisory approach and focuses on the use of financial promotions, as well as being clear, fair and not misleading. It also highlights the risks associated with ‘retweeting’ and reminds members that approval and record-keeping is just as relevant when using social media for financial promotions as it is when placing an advertisement in a newspaper. The burning question is: how do you make sure you’re doing social media properly, with minimal risk? With this in mind, the Investment Association, the trade association for the UK’s £5 trillion investment management industry, has come up with its own social media 30

guidelines, looking deeper than the rules surrounding the use of financial promotions on Twitter or LinkedIn.

media champions should be established and given an area to ‘own’, comment on, and build a reputation about.’

The association’s retail markets specialist Mike Gould told a recent Chartered Institute of Public Relations (CI) Group seminar that asset managers did not tend to use social media for financial promotions. A greater need, he said, was to understand the pitfalls when using social media for conversations and brand awareness, and, more importantly, how to avoid those pitfalls.

One fear companies have about having a social media presence is that they are opening themselves up to public criticism. Whilst it can be seen as a positive to have a direct route to the powers that be, it’s vital that complaints are handled correctly and in a timely manner.

Companies should distinguish between personal and corporate use; there should be a distinction between the use of social media for clientfacing and nonclient facing staff ‘What the FCA hasn’t done, is said that there’s a whole new way of communicating, which raises a whole new range of fundamental issues. We, as an association, decided not to go back and ask for more rules but to come up with something ourselves,’ he said. Mike is a big believer that social media policies should be linked to existing corporate policies, such as HR. This way, there can be tighter controls over what staff post about their employer on their personal accounts. ‘Companies should distinguish between personal and corporate use; there should be a distinction between the use of social media for client-facing and non-client facing staff. Training is paramount and social

‘It’s useful for clients, but there are certain things that you’d want to move off social media as quickly as possible. The best way to do this is to ask them to contact you directly,’ Mike added. One of the beauties of social media is its reach. It is a global tool that can result in a tweet/ video/ blog going viral. On the flip side, there are legal implications of sharing content that are often overlooked. While a staff member targeting a specific, professional audience cannot really be held accountable for their message being passed onto an audience it was not intended for, retweeting, sharing or liking material can land you in unforeseen hot water. ‘If you want to control social media, you might want to do monitoring to catch people who are not aware of the policy,’ said Mike, who added that claims of views being your own, which are often seen on people’s profiles, are, in reality, meaningless. ‘We need to educate people that liking or favouriting things is endorsing it. Disclaimers on biogs don’t necessarily work. If you’re in some way culpable, it’s still your responsibility. ‘In time regulators will have to tackle [social media] head on and come up with new rules. We are in a holding period, which is why guidelines for the industry are important. It’s not just about financial promotions; there’s a lot more to it than that.’

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ND NC PR E AMFAORCKET U S ING ON A F INA

The growth of video online: blink, and you’ll miss out! Olly Tracey and Nic Legg of Coast Media take a look at the use of video, the fastest growing content category online How often have you returned after a busy day at work and, over supper, described what you have seen on social media that day? Increasingly this is probably as a result of witnessing a thought-provoking video clip or photograph.

to upload, share and view 4k videos (four times the quality of regular HD) and is currently experimenting with super smooth 4K 60 FPS (frames per second) - effectively enhancing the video playback on screen with a smooth picture for the end user.

In the last year or so we have seen a change in the number of photographs and videos now featuring on social media networks. It is now commonplace to see the messages from friends, celebrities and brands you follow online, illustrated with graphics, text and emoticons. News feeds and timelines now even feature eye-catching custom designed visuals, so much so, a single message of text appearing on its own - without any sort of illustration - can look out of place.

Support for 4k content is slowly increasing with television sets coming down in price and with some mobile phones supporting the new recording codec. The recent roll out of 4G networks across the Bailiwick is allowing for the consumption of more video content on the move.

Photographs can do such a great job in telling a story that sometimes no words are needed to describe the emotion or sensitive story behind the photographer’s image. Recently there has been an explosion of video online which includes the advent of live video broadcasting apps such as Periscope or Meerkat (more on that later!); Twitter now allows users the chance to share up to 30 seconds of video in a Tweet, and Facebook offers each user the chance to upload HD videos (up to 20 minutes in length). All of these changes accommodate the sharing, publishing and consumption of video and have enabled us to take in more video content than ever before. The expectations of users are increasing rapidly and, as a result, the major players in the market have to respond to consumer demand. YouTube has recently enabled users

Videos can tell a story words cannot. Emotions and feelings can be expressed and the audience can empathise with the characters on screen. Whether you are introducing a new product to market, reviewing the latest travel destination or simply touring your offices in St Peter Port, video can enable users to get a fuller understanding of the topic in hand. You may have heard the terms Meerkat or Periscope thrown around in the social sphere over the last few months, as live video broadcasting has been put in the hands of the consumer, literally! More recently, at the start of this month, the Periscope app - a newcomer to the video market (although its owner is well established on the social media scene) - added a world map, allowing users to see who is broadcasting from specific worldwide locations at the touch of a button. At the time of writing, Periscope had 3,415,259 followers via its dedicated app for iOS, which is now also available on Android. However, the take up of this emerging platform here in the Bailiwick has been

relatively light so far. Olly recalls being out on his bike one Saturday lunchtime and receiving a notification which prompted him to stop and get out his 'phone. A local photographer was on board a visiting cruise ship and was broadcasting live video of his visit. Having downloaded the Periscope app to his phone a week earlier and subscribing to nine accounts, this was the first time Olly had been notified of a live broadcast. The photographer provided a walkthrough tour of the ship while completing their promotional shots of the vessel in Guernsey waters. Although there wasn’t anything newsworthy to shout about, Olly realised the significance of what he had witnessed: video coverage of a subject unfolding through the eyes of another creative, live in the palm of his hand. Watching the live feed felt like being on the ship, hearing the poolside music, feeling the warmth of the mid-day sun and hearing the buzz among the ship’s passengers. A bewildering array of advancements has been achieved in the last 12 months which reflects wider changes among social media and what society in general expects. High definition is now demanded from every device, 4K content is slowly growing in popularity, and the first ever 8K video has just been uploaded to YouTube. Video remains the fastest growing content category online; blink and you will miss out. We are happy to assist any organisation seeking to explore how they can use video to benefit their business.

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G I B R ALTA R

Gibraltar says ‘¡Sí!’

Gibraltar may conjure up memories of news reports on Spanish border issues causing traffic chaos, or pictures of tailless monkeys, but this small rocky promontory at the southern tip of the Iberian peninsular has a strong finance sector accounting for around 30% of the island’s GDP. Its other key industries are tourism (also 30%), and shipping (25%). Telecommunications, e-commerce, and e-gaming jointly account for the remaining 15% (source Index Mundi). A visitor would be excused for looking twice when arriving from Spain to be suddenly confronted by red telephone boxes and familiar police helmets and other things quintessentially British. According to local myth, Gibraltar will

In the 1990s, only had a handful of insurance companies operated on the island. The sector has since enjoyed rapid growth with more than £3.5 billion of premiums now written there. The growth in large part was driven by Gibraltar’s accession to the single European market for insurance in 1997 its Financial Services Commission having been recognised as a competent regulatory body within the EU.

insurer can underwrite risks in the other country on a cross-border basis. Under EU law, the insurer can do this without needing to apply for a licence in that country, provided they follow passporting procedures and are fully compliant with the law of the country where they are insuring. So in the early part of the 21st century, Gibraltar embarked on a series of initiatives to take advantage of its new status and develop its insurance offering including the introduction of protected cell companies (PPC) legislation in 2001.

This meant insurers that had their head office in Gibraltar could ‘passport’ (carry out its activities) into other European Economic Area territories, either under the doctrine of ‘Freedom of Services’ - meaning that the

Today there are a variety of insurers in Gibraltar, including captives, PPCs, liability insurers, and property insurers. But the biggest success story has been in motor insurance, especially doing business in the

only cease to be British if its famous colony of monkeys ups and leaves.

G IB RALTA R

Not unlike Guernsey in some respects, Gibraltar’s biggest challenge has probably been in terms of skill shortages. With a population of around 30,000 - the size of a small UK town

UK market. Its 25 motor insurers cover one in six UK motorists, almost double the market share of Lloyd’s of London. Whilst the jurisdiction does not constitute any major threat to our own thriving and growing insurance sector, it should be applauded for having created, facilitated and developed a growth strategy that has resulted in its success story today.

But perhaps the island is facing a threat of an altogether different kind.

the island’s border with Spain in a recent article which explains some of the concerns.

With much talk centred on the planned UK referendum on EU membership there have been a number of pleas emanating from the island for its ability to re-negotiate on an independent basis should the outcome be an ‘out’ vote.

Not unlike Guernsey in some respects, Gibraltar’s biggest challenge has probably been in terms of skill shortages. With a population of around 30,000 - the size of a small UK town. In 2008 of the Gibraltar Insurance Institute was opened and both vastly improved educational standards within the industry, and helped bringing young people in.

Aside from the obvious threat to its financial services sector – particularly its ability to compete with jurisdictions such as Malta and

‘The Rock became part of the EU through the UK accession in 1973 but, largely because of Spain’s hostility including the closed border, it was excluded from the Customs Union. That allowed for access to food supplies from nearby Morocco and other goods that had to be shipped from third countries. ‘The obvious fear in Gibraltar is that, if the UK opts out of the EU, Spain will not hesitate to close the border again as it did for 16 years from 1969.

Cyprus with regard to ‘passporting’ services – there are fears regarding Spain’s potential reaction should Gibraltar’s EU membership cease. Gibraltar’s special representative Dominique Searle explained the history of

‘It’s legend, but almost certainly true given those who whispered it to me, that one of the first things José Manuel García-Margallo did when he first strolled into his office as

A LTA FOCU S O G N I BFRI NA N CRE

The obvious fear in Gibraltar is that, if the UK opts out of the EU, Spain will not hesitate to close the border again as it did for 16 years from 1969 Spanish Foreign Affairs Minister was to ask officials ‘Can I close the gate?’ ‘It’s worth explaining a little about this. The gate (verja) - Spain declines to recognise it as a true border - is literally an old green metal gate that separates Gibraltar from Spain. It’s been open for 30 years now, since February 1985. It’s no secret that Spain disputes Gibraltar’s right to exist as an independent country, or even as a British Overseas Territory and those close to Señor Margallo therefore not only don’t recognise the gate as a frontier, they think it was a mistake to have opened it. ‘But that ‘gate’ is an EU border and Margallo has had to live with the fact that, whilst

Gibraltar is part of the EU, there are ‘ freedoms’ that he is obliged to respect. His diplomats told him as much. ‘It was the Spanish dictator General Francisco Franco who closed the border in 1969. His reasoning was his fury with the use of the territory as a British and NATO military base and Britain’s decision to give the Rock increasing emancipation by legislating for a Gibraltarian parliament along the lines enjoyed by other small Commonwealth territories at the time. After Franco died in 1975 the frontier gates remained closed, to all but the occasional ‘humanitarian’ passage of a coffin, for an even longer period under the democracy of the ‘transition’ - the period of amnesty that allowed for democratic

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government in Spain. ‘Spain makes its displeasure at Gibraltar’s status clear from time-to-time but mostly the status is tolerated – until the spectre of a referendum on British membership of the EU is raised, bringing with it the possibility of a UK exit. The sustainability of Gibraltarian membership after that would have to be open to question and Chief Minister Fabian Picardo has accordingly made noises about a new relationship with Europe. It would be simpler and, many believe, beneficial to all, if the UK just stayed put.’ Reference sources: New Statesman, IFC Report, Robus Risk

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ME NT ARFI SOKCM U SANAGE ON F INA NC E

Managing the risk of IT failure Technology has become so entwined in every aspect of our lives, and none more so than at work. Jason Connolly, from Next Generation IT, explains how IT systems are now critical to all businesses and that the impact of downtime can be considerable. For instance in April of 2011 the Sony Playstation network had to shut down for a few days due to an ‘external intrusion’ that compromised an estimated 77million user accounts. Sony was hacked again last year by North Korea, destroying computer systems, stealing sensitive documents, downloading several unreleased movies and publishing much of this on the internet. In a recent survey it was reported that 90% of all businesses suffered some sort of computer hack over the past 12 months. Most attacks are a direct result of a malware infection. The estimated annual cost of worldwide cyber crime is $100bn, with 18 victims every second. The sources of risk are now more varied than before, for example petty street crime is at an all time low as criminals go online. Equipment failure/poor system design Most systems fail due to hardware failure. This risk can be mitigated through designing an IT system with inbuilt resilience and by avoiding single points of failure. Other businesses suffer disproportionately more failures by relying on old equipment. Another common failure is the system running out of resources or capacity, for example low disk space. Environmental issues The next most likely failure is of the environment in which the equipment is housed. Power outages are a regular occurrence in Guernsey, not just complete power cuts, but also fluctuations in voltage, spikes and brownouts. Not to mention when cleaners unplug vital equipment to plug in the hoover. Other environmental factors include: • Air conditioning (equipment soon over heats and shuts down) • Internet (cloud systems are particularly vulnerable)

• • • •

Flood (bathroom leak/pipe burst directly above computer room) Lightning Dust and dirt (exacerbated by sitting equipment on the floor) Accidentally pulling out/tripping over cables

These environmental risks are driving more businesses to move their IT systems into purpose built data centres with resilient, tightly controlled and monitored environments. Infrastructure as a service is popular where businesses can host their own virtual servers on a service provider’s infrastructure in a data centre. Security issues It is difficult to measure accurately the incidence of security-related issues, as most businesses will understandably want to keep quiet to protect their reputation. We do know that this is a widespread and growing area. Sources of risk can either be internal (theft, espionage or phishing) or external (DDOS attacks, hacking, malware or viruses). Continuous vigilance is the only way of mitigating these risks, including regularly updating antivirus and system software, health checks, ongoing monitoring and good systems design. However, most issues are caused by human error, for instance by clicking links in emails and unwittingly downloading infections. Continuous education of staff to be aware of the rapidly evolving security threats is critical here. Change Computer systems are surprisingly reliable, and if left alone will continue working without error. Many issues are introduced by changes made, for instance by tinkering with systems, particularly if there are no good change management procedures in place. It is also good practice to make backups before updating systems

to give a recent restore point, should all go wrong. Failed projects Projects introduce change on a much greater scale, significantly increasing risk. Poor planning, not allowing enough time and rushing projects will lead to failure, as will inadequate testing - both technical and user acceptance testing. Ultimately a lack of expertise and experience is the largest risk, which can cause issues in the project execution and also lead to a poor choice of software or hardware and unsuitable technology in the first place. Managing the risk The good news is that technology is now much more reliable and resilient, making it easier to design a resilient infrastructure, housed in a controlled environment, that is monitored and maintained, updated and health checked. In addition, employing skilled staff, providing regular security awareness training and focusing on security, are all essential to mitigate the risks of IT failure. Alternatively by outsourcing your IT to local specialists who maintain the systems on your behalf or by hosting your systems with a local cloud provider, you can take advantage of the facilities and expertise of local specialists. Good IT providers will have invested in the infrastructure, security measures, have expertise and will have developed procedures that minimise and manage the risks, so you don’t have to. But ensure that whomever you choose has a good track record – ideally a local company, so you can speak with other customers before entrusting such a critical element of your business. Knowing your systems are hosted and supported locally makes it much easier to manage the risks.

RIS K M AN AG E M E N T

Practical customer due diligence (CDD) Jo Gill from Resolve Partners offers some tips for maximising efficiency and minimising frustration in the CDD process

Despite the fact that the risk based approach (RBA) to CDD (the process of identifying and verifying the identity of customers) is now well established in Guernsey, many firms still seem to struggle to implement a pragmatic yet compliant CDD process, and claims of excessive CDD continue to frustrate boards, regulators and customers alike. For those making decisions about placing business in the island, fears of ‘over the top’ AML regulation might be sufficient cause for them to look elsewhere. The RBA actually provides firms with an opportunity to meet their obligations more effectively, by tailoring their CDD process to specifically manage the varying AML/CFT risk profiles of their customers. So in higher risk scenarios, enhanced measures are required but where the risk is perceived to be low, simplified measures can be applied. So what measures can firms take (whilst still remaining fully compliant with regulations) to make the process of CDD more cost effective for them and less frustrating for customers? 1. Business risk assessment By investing time in determining what sort of customers the firm already has and/or is prepared to accept, taking into consideration all of its business activities, its strategy, products and services, together with its size and available resources. The board can define its ‘risk appetite’ and implement appropriate control systems to manage those risks. 2. Customer risk assessment To ensure a consistent and transparent process, implement a questionnaire based RA which generates an overall risk rating (usually low, standard or high) based on the responses given to a series of questions aimed at assessing the facilitation risk and AML/CFT risk associated with each customer, covering the four key risk tenets: inherent customer risk, product/service risk, delivery channel risk and jurisdiction risk.

3. Risk indicators Determine the ‘red flags’ which indicate higher risk (e.g. PEPs or connections to higher risk jurisdictions) which denote when enhanced measures must be applied. Equally, identify indicators of lower risk where simplified measures may be applied. 4. Due diligence requirements For each category of risk and type of customer, have a clear set of CDD requirements. A questionnaire can be an effective tool for gathering key data about a customer, speeding up the assessment of their supporting documentation. 5. Minimum requirements Ensure that your staff understand the minimum acceptable level of documentation that is required, but also what alternative documentation is acceptable if the standard option is not available. Be clear in your approach – quantity is no substitute for quality! 6. Third party sources Wherever possible make use of third party sources e.g. electronic foreign company registers, risk databases such as WorldCheck, regulator websites, telephone directories etc. Ensuring that relevant staff have such resources book marked in their internet search engines as well making provision in the budget for annual subscriptions/licence and download fees is worthwhile as it can help to reduce the overall impact on customers. 7. Four eyes In addition to there being appropriate review of the RA process and CDD sign off, requests for additional information should also be checked before being sent to customers. Adopting a ‘one touch’ approach to information requests will help avoid frustrating customers unnecessarily. 8. Track risk To ensure that the firm stays on top of current risks and remains compliant, track

regulatory change, sanctions, instructions and financial crime trends. Participation in industry forums and monitoring other firms’ CDD requirements can also prove useful for ensuring best and current market practice. 9. Staff factors The effectiveness of the firm’s CDD process is directly correlated to the ability of responsible staff to implement it in a pragmatic fashion. Whilst the RBA provides opportunities for increased efficacy, it does require a greater degree of technical competence from staff, and whilst relevant qualifications are certainly beneficial, and a thorough knowledge of the applicable regulations requisite, these are often no indication of an individual’s ability to apply their knowledge and experience to real life situations. Whilst appropriate training will help for existing staff, competency testing of potential recruits will help to ensure that staff are appropriate for the role from the outset. 10. Objectives Remember the ultimate purpose of CDD (i.e. to prevent/detect crime) therefore when applying an RBA the final considerations should be: i. The CDD is adequate considering the risks identified (i.e. does it comply with regulations)? ii. Have you determined the source of funds/wealth? iii. Are you satisfied that the transaction or proposed relationship has a legitimate purpose? Resolve is able to provide assistance with the RBA to CDD in terms of specific concerns or to review/implement systems and procedures as well as other compliance and governance matters based on practical experience. Visit our website: www.resolvepartners.net.

AC C O U NTING

That taxing issue Andy Gill from AG Accounting gives a whistle stop tour of the tax treatments of Guernsey trading entities. Albert Einstein once said ‘ The hardest thing to understand in the world is income tax.’ Income tax for businesses, whether incorporated (e.g. companies) or unincorporated (e.g. sole traders, partnerships) is generally often considered to be a quagmire of rules and regulations through which it’s pretty hard to navigate. Some of the basics though are explained below. Whilst these give just a flavour of business income tax, they should give an idea of the differences between taxation for incorporated and unincorporated businesses. The biggest difference between the two is the standard rate of tax. For individuals (and by extension unincorporated businesses) this is 20% and for companies is 0% for normal trading profits. This change came about from the beginning of 2008, when the ‘Zero – 10’ rules came into effect for companies. The result is that, often, income tax is only payable at the point when dividends are made and are taxable in the hands of the company’s ultimate beneficial owners. Whilst a fairly straightforward principle, in practice, these rules have proved quite complicated depending on circumstances, especially where ‘loans to participators’ are concerned or where companies form part of a group – subjects for a future article. •

As a sole trader or partnership, your business profits (or share thereof ) are assessed through your personal tax returns and charged at the standard rate of 20%.

•

The standard rate of tax for companies is 0% for normal trading profits. Investment income, rental income and property development are taxed at the higher rate of 20% and an intermediate tax rate of 10% (applicable to certain regulated entities and utility companies). Income tax is payable on income distributions or dividends paid to the company’s Guernsey-resident beneficial owners (members/shareholders), with tax credits given where the relevant distributed income had already suffered tax.

•

As trading companies are taxed at 0% until dividends are made, there is a potential for improved cash flow compared to unincorporated businesses. However, the underlying profits remain untaxed, so the zero-10 rules often mean that tax payments are merely delayed not negated.

•

If beneficial owners are also working within a company, their salaries are subject to the standard income tax rate of 20% and tax deducted through the Employees Tax Instalment (ETI) scheme.

•

Drawings from unincorporated businesses are not treated as salary but drawings from the business and are not in themselves taxed – tax is based on the taxable profits of the unincorporated business.

•

The tax year of charge runs from 1 January to 31 December although businesses may adopt an accounting period of their choice.

•

Profits of a business are assessed on a current year basis. For unincorporated businesses, tax is payable in a minimum of two instalments (on 30 June and 31 December in the year of charge). Where tax is not finalised, an interim assessment will be made.

•

Tax returns need to be filed for all entities and individuals by 30 November to avoid statutory penalties being applied. By concession, historically the director of income tax has allowed for returns to be filed by 15 January the following year before penalties take effect. Penalties are generally limited to £50 where the business has no taxable profits.

•

Dividends and loans to participators must be disclosed on ‘distribution reporter’ (software provided by the Income Tax Department). Where there is something to report, these were required quarterly. By concession, the director of income tax currently allows these to be filed annually.

•

Social security contributions for someone deemed self-employed are payable at a rate of 10.5% by the individual. The Social Security Department deems anyone owning 50% or more any business to be self-employed. In the case of a company, the individual, not the company is responsible for paying the contributions, which are not allowable as an expense against taxable profit.

•

Since 2008, social security contributions are also due on investment income (including dividends) and similar, although, as the process for reporting to the Social Security Department is different to that of the Income Tax Department, it may take a long time for this income to become subject to contributions.

•

For employees of businesses who are not self-employed, social security contributions are collected under the ETI scheme. The employer rate is 6.5% and the employee rate is currently 6%. These contributions are however allowable against income tax in the business’s tax computations.

For new businesses, whether to incorporate, or operate as say a sole trader is one of the key decisions, and tax treatment will be only one of several factors that will drive that decision-making process. Whilst it can be a complex subject, the basic rules are relatively straightforward. It is worth getting some advice as early as possible in the process, or if you are an established trading entity it might be worth having an independent review. Outsourcing some or all of your financial management isn’t necessarily a costly option. We might not know much about the theory of relativity but we can hopefully help you through the quagmire that Einstein found so confusing. NB the content of this article is generic in nature, not all-encompassing and should not be considered as tax advice.

INA T EFLOCU L E CTSUAL RTEY ON PROPE F IN AN CE ANC

Intellectual property the development of the Guernsey economy. Intellectual property (IP) is now the most valuable asset in businesses and the economy. However it is often poorly understood and can be perceived as an area only for specialists or litigators. John Ogier, IP economist, explains. In the UK London FTSE 30 years ago, 80% of the stock market value was in tangible assets - building, plant, equipment and vehicles, while only 20% was represented by intangible assets. Now it’s the reverse with up to 80% of the value in the intangible assets - brands, software, creative rights, innovative property and trade secrets, along with staff skills of ‘know how and show how’. What is true for public quoted companies can be even more significant for financial services organisations with key data and staff knowledge assets along with trusted brands. For smaller companies, local reputation and goodwill form an important part of their trading environment. It is therefore highly likely that a significant part of the value of financial service businesses, is in intangible assets even if these are not always fully visible on the balance sheet. Intangible assets aligned with digital technologies form a ‘knowledge-based’ economy. To look for a global example of this, Singapore is an island economy with a vibrant financial services industry where IP and intangible asset management are a key part of its competitive advantage. There is now a critical shift in understanding how IP should be used from a pure defensive protection of ‘just in case’ of an infringement, back to its primary purpose - the stimulation of innovation and wealth creation. Whilst many businesses will be actively managing the corporate identity of their ‘brand’, or be aware of the ‘copyright’ attributable to their work, evidence indicates that only a minority of businesses are actively protecting and managing IP rights. For example for trademarks, evidence from the Trade Mark Register suggests that

most of the 18,000 companies registered in the Companies Register have not registered their trademark. For companies managed in Guernsey and trading globally, it is becoming increasingly important to be able to demonstrate ‘substance’ in the managed company. A large part of the assets under management will be intangibles, many may also be digital or data driven in nature. This will require appropriate skills, expertise and experience at board level and through professional services. Substance and professional service have become even more important with the advent of the UK’s Diverted Profit Tax and the OECD plan for Base Erosion and Profit Shifting. Properly administered, these international tax instruments can be turned to our competitive advantage, by developing our ‘value added’ in both substance and services – much of which will relate to intangible assets of which IP is a significant part. There is also a key role for the States in providing the legal and policy environment in which these assets can be successfully deployed and traded. This fits well with the States’ economic objectives of providing high value diversified economic opportunities centred around the financial and digital areas. There are important areas that need development. I highlight three which I think are of particular importance and relevance: •

Extension of international agreements for IP. A significant step forward was the extension of the Berne Convention last year (covers copyright works). The next priority is Paris for priority filings of trademarks, patents and registered designs; followed by the Madrid Protocol for trademarks and the Patent Co-operation Treaty. These and

•

other international treaties administered under the World Intellectual Property Organisation will ‘internationalise’ the scope for the management of IP rights from Guernsey. A substantial body of IP legislation is in place and we now have world-leading image rights legislation for both personal and corporate brands. The addition of the drafted innovation patent legislation would add a first filing opportunity for Guernsey in this field and could have particular scope in fintech and digital developments.

•

The current Insolvency Law Review provides the opportunity to define intangible assets and develop their security, possibly with a register of fixed and floating charges. This would not only give a more accurate definition of ‘solvency’ for a trading company, but could provide the transparency required for taking security against these assets and therefore raising finance for business.

As Guernsey’s future develops, few would disagree that innovation, diversity, high value activity, digital, use of key knowledge/skills and finance should be part of the mix. If this is the case, then IP and the management of related intangible assets have a strategic role in our future economy. This is both as an asset class and in providing the tools to manage our economic opportunities. We need to be developing and applying these IP tools now for a successful future. This requires a clear vision and collaboration across the commercial sectors and the States to provide an economic environment fit for 21st century commerce. In this, Chamber has an important role to shine the light on the road for our economic development and the related benefits that may be experienced, if not always tangibly seen.

EMAILS MAY HAVE KILLED THE ART OF LETTER WRITING. BUT GOOD INVESTMENT NEWS IS STILL DELIVERED WITH STAMPS.

Invest in History

Whether you’re looking to protect and grow your wealth, plan for retirement or create a legacy, rare stamps and coins could provide a safe haven investment option for you - they are tangible asset classes with a history of performance. Begin to build your portfolio from as little as £10,000.

Find out more at sginvest.co.uk/contact or call 01481 708 270

The value of your investment can go down as well as up and you may not get back what you put in. Stamps and coins and other collectibles are not “Controlled Investments” for the purposes of the Protection of Investors (as amended) and as such are not subject to regulation by the Guernsey Financial Services Commission (“GFSC”). However Stanley Gibbons (Guernsey) Limited has registered with the GFSC under the Registration of Non-Regulated Financial Services Businesses (Bailiwick of Guernsey) Law 2008 (as amended) as a ﬁnancial services business and therefore is regulated by the GFSC in respect of Anti-Money Laundering and Countering Financial Crime and Terrorist Financing matters. Past investment performance or experience does not necessarily give a guide for the future.

ALT A E RN AT IVSEON IN VFEIN S TAN M ENT F OCU CE ANC E S

Investing in a communications revolution Keith Heddle, from Stanley Gibbons Investments, looks at why tangible heritage assets are increasingly being included in investment portfolios. How many emails and texts did you send or receive today? We don’t think anything nowadays of posting on someone’s Facebook wall or tweeting to the entire world; technology has transformed our communications. It’s hard to comprehend that just 175 years ago not only did none of this exist, but the first communications revolution took place with the introduction of the stamp – the Penny Black. Ever since the first stamp was issued people have been collecting them, and that includes the rich, the famous and royalty. Our own Queen Elizabeth has probably the world’s finest and most comprehensive collection of British and Commonwealth stamps, and it’s her own personal collection not owned by the nation. Warren Buffet and Bill Gross are also some of the world’s wealthiest investors in stamps, and as family offices, IFAs and pensioners look to protect and grow their capital, rare collectibles have increasingly formed part of their planning. With no correlation to the broad economy or interest rates, we saw big growth in stamp values during the last recession, which makes them an attractive part of a balanced and diversified portfolio. Of course there are many forms of ‘passion investing’, this year we’ve seen a new world record for a work of art with a Picasso selling for $179million. However art, like wine and the stock market, can be volatile. The Knight Frank Luxury Investment Index which charts a basket of luxury collectibles including art, wine, coins, stamps and classic cars, makes One of the best performing stamps in the GB250 Index over the past year is the SG440d,1d scarlet, double impression, which has risenin value by 20% (£20,000 to £24,000).

for interesting reading. The most volatile is art with gold a close second and the FTSE third. Coin and stamp prices were less volatile than the index as a whole in the last decade, providing stability as well as growth. Overall the index has risen 205% over the past 10 years, with stamps showing gains of 34% over the past five years and 195% in the last decade. The wealthy have been using portable, tangible assets to protect and grow their wealth for centuries and the rising wealthy in the Far East, in particular the Chinese, are now the world’s most prolific stamp collectors. Anyone who thinks stamp collecting is a dying hobby clearly hasn’t heard of last year’s new world record for a stamp when the only surviving British Guiana 1856 1c black on magenta sold for $9.48million. Whilst past performance doesn’t guarantee future returns, rare stamps continue to prove their investment value with the latest Stanley Gibbons GB30 and GB250 indices showing continued growth from 2014. Listed on both the Bloomberg Professional service and Thomson Reuters, the indices chart steady increases in value. The GB250 index, tracking the prices of the top 250 investment-grade stamps of Great Britain has risen 2.05% from 2014 to 2015, clocking up an impressive 10-year growth of 165.7% and 10-year CAGR of 10.27%. Meanwhile the GB30 Rarities Index, which charts the prices of the 30 rarest stamps of Great Britain, rose 2.4% over the same period, reflecting a 10-year growth rate of 120% with

a CAGR of 8.21%. Over the past 40 years the GB30 has shown a CAGR of 9.82%, with no drop in value. There are of course significant differences between someone who is a collector of stamps and someone who is buying to invest. Only a miniscule percentage (less than 0.001%) of stamps are investment grade and this is where the potential investor can come unstuck. To know which stamps to invest in you need a significant amount of knowledge - as with all investment options. The Stanley Gibbons Group has been serving collectors since 1856. Initially our investment clients were primarily collectors, but now we manage portfolios for millionaire entrepreneurs, celebrity orthodontists, professional sportsmen, directors, IFAs, wealth managers and family offices across the world. Stamps and coins are an integral part of history and of socio-economic development; they offer us insights into historical and political shifts, trade trends and the personalities that ruled. Holding a Penny Black in your hand is to hold history. On 6 May 175 years ago, those little pieces of paper were launched and revolutionised communications. Tangible heritage assets are not for everyone, but I believe that if you have the right long-term aims, they can fit in very well to a diversified portfolio and offer a compelling investment opportunity. We’re so confident of this fact that our investment products come with no upfront fees and at the end of the term, we only make money if you do.

The best performer from 2005 to 2015 is SG7, a 1d red-brown, pl 11 from ‘Black plates’, which has risen from £625 to £11,500 – a jump of 1542.86%. Penny Black

UO S TCO R SE RVI C EE AC F UME S ON F INA NC

Forging partnerships to deliver customer service excellence Cherry Godfrey’s David Barrow explains how partnering with JT to upgrade a 10-year-old phone system has enabled the company to deliver a better customer service and achieve significant business savings.

‘There is no doubt that innovation has been a primary driver of economic growth and of the rise in living standards since the '60s. Few areas have experienced more rapid growth innovation than the IT industry, which continues to revolutionise how we communicate at home and how we do business. Upgrading IT systems to meet business needs is commonplace, so why should a telephone system be any different? ‘Like many Channel Island based businesses, Cherry Godfrey operates across the islands and the requirement to link between the Guernsey and Jersey offices as well as the limitations around an ageing telephone system, led to us review our telecommunications. ‘From the outset we knew that a new solution had to meet three main areas and JT helped us to explore ways to: reduce call costs; upgrade to a multi-location system; and centralise management and provision of resources. ‘Following JT’s installation of new equipment, our staff now has the advantage of handsets that allow them to switch between desks; they now have wireless handsets and headsets meaning that they are able to take calls while recording information at the same time.

‘We’re delighted with the seamless connectivity between our Guernsey and Jersey offices thanks to the new system, which has brought with it many advantages. First, improved customer service, thanks to calls being routed internally, means continuity of service for inter-island customers. Overall, the implementation has simplified communications for staff primarily dealing with client enquiries, has improved functionality and simplified user experience. Secondly, improved control of telecoms expenditure is very pleasing. When we originally discussed our requirements with JT they really listened to our needs and provided practical solutions to the business needs of our operation. Since installation, the support we have received has been excellent, the JT team has been prompt, friendly and efficient and this was a valuable aspect to the success of the overall project. ‘JT’s approach focuses on partnering rather than acting as a supplier and it was this ethos that really cemented our relationship when we were looking to upgrade our phone system.’ Paul Taylor, business account manager at JT echoed this: ‘For 120 years, JT has operated in the Channel Islands enabling local customers to take advantage of emerging technologies. We take pride

in the fact that we work alongside our customers to find the right products and services for them. Where possible each solution is bespoke and it is the idea of selling a solution rather than a product that forms the basis of our customer service excellence promise. ‘Our knowledgeable and experienced teams work the same way with SMEs as they do with large international corporate customers, demonstrating commitment to designing our services around them rather than adopting the one size fits all approach. We’re proud of our own customer service excellence standards which in turn help our customers meet theirs. In the case of Cherry Godfrey the solutions we provided them ensure an excellent level of service for the end customer. ‘Whether it’s working outside of working hours so that our customers can continue to meet their customer service commitments during installation, getting back to clients when we say we will, or introducing a third party to deliver a service we can’t, our teams are committed to customer service excellence. Through partnering with our clients we also provide them with the right products and services that will grow with them, every step of the way – helping us take one step closer to achieving our vision: becoming the partner of choice for global telecommunications innovation.’

NE W MEMBER S It has been a busy couple of months on the membership recruitment front. Chamber is delighted to welcome a number of new businesses to its fold. They represent a range of sectors and range from well-known established brands to some younger organisations. The Chamber team looks forward to seeing them at some of its forthcoming events. Contact spoke to the managing director of one of the new members – Andy Gill from AG Accounting to find out a little more about the business.

AG Accounting Services Limited ‘AG Accounting is a small chartered accountancy firm. We provide a quality, personal service delivered by senior experienced accounting professionals but at competitive rates.

Our clients range from self-employed individuals to medium-sized businesses, including some highly visible local brands,’ explained Andy. ‘We have found that there is a growing demand for outsourced financial services. Every business - irrespective of size - has key time-consuming tasks that are often non-client-facing and therefore non-fee-generating. These include financial management related activities. Most small businesses cannot afford to employ a full-time financial controller. Using a ‘remote’ service to fulfil this activity means that they can concentrate on their core business – whatever sector they are in – leaving the management accounts, cash flow management, bookkeeping to an experienced and qualified third party provider. ‘AG Accounting aims to support business

Treatments are aimed at achieving the best possible results and practitioners will work together to achieve these.

Avenue Clinic

owners who wish to concentrate fully on Earlier this year, the clinic won the Best New Business and Innovation Awards at the Guernsey Awards for Achievement and was recently shortlisted for the Bill Green Award for Entrepreneurial Spirit.

Avenue Clinic is a multidisciplinary practice which is comprised of a diverse range of experienced and passionate practitioners.

Therapies currently include osteopathy, acupuncture, sports therapy, nutritional therapy, sports and holistic massage,

Target Auto Parts Ltd

The company continued to offer this service but also started to introduce leading new tyre brands into its product range. During 1978 the move was made to a larger building with an ever growing range of tyres and exhausts, with a further expansion in the 1980s.

From small beginnings… It all began in 1973 when Target Tyres took over a small remoulding company.

In the late 1990s the company’s continuing desire to offer the best service to its customers saw Target Tyres embark on

the running of their business while we deal with the financial management and the related pressures placed on any business owner. Whether you are a sole trader, just starting out or already have a well-established business, we can provide you with the tools to maximise the potential returns from your business in the most efficient manner.’ Chamber membership for Andy is part of a campaign to increase the profile of his business in the local market. ‘We have been operating for a number of years but felt the need to refresh our communications strategy. We have therefore launched a new website and we are even getting into the social media scene! 'Chamber offers some great networking opportunities as well as other business events – and of course Contact magazine.’

psychotherapy, podiatry, neurological, respiratory and musculoskeletal and rehabilitation physiotherapy, neuro developmental therapy and health kinesiology. Avenue Clinic will soon also be adding hydrotherapy, both individual and group sessions, and a variety of studio based group classes which will include physiotherapy based pilates, yoga, core strengthening and pregnancy and post pregnancy classes.

a brand new ‘Fast Fit Centre’ which was purpose built to give customers a bright clean premises, which the company still has today and which is constantly being upgraded every year. Target Auto Parts offers customers a trusted fast and friendly service as a local family-owned company giving the best in tyres, batteries, exhausts and brakes and with free advice.

N E WSMON E M BF E A F OCU INRS ANC E

Sancus Limited provides a direct and fully secured Peer-to-Peer (P2P) lending service, facilitating the entire administrative process whilst also managing the associated risks involved.

Sancus (Guernsey) Limited

Sensible Technology Limited Sensible Home Technology creatively enhances living spaces, designing, supplying and fitting lighting, heating, audio and visual solutions in residential and commercial buildings.

The company assists potential clients who wish to lend to or borrow from fellow entrepreneurs, professionals and HNWIs, thereby assisting the real and local economy. Sancus was launched in Jersey in 2013

Lighting - With carefully chosen light fittings and lamp sources, a multi-channel lighting scheme can enable the mood and function of a space to be changed, highlighting features and creative pockets and pools of light. Scene control dimming allows these new moods to be recalled at the touch of a button. Heating - Approved CI distributor of the Honeywell Hometronic Heating and Home Automation system. The Hometronic system

more than 135,000 members committed to championing better work and working lives.

CIPD Guernsey Branch CIPD is the professional body for HR and people development. It is the voice of a worldwide community of

CIPD has been setting the benchmark for excellence in people and organisation development for more than 100 years. Through its expertise and research it provides a valuable point of view on the rapidly changing world of work. And for members it’s the career partner of choice, setting professional standards and providing

The company was established to service clients seeking marketing and design support but not wanting to deal with a large full service agency.

Vantage Marketing Vantage Marketing is a niche marketing bureau based in Guernsey and Jersey.

With experience working on the ‘client side’, the team is aware of the importance of delivering services on time and on budget. Its offers flexible working arrangements either on an ad hoc project basis or under longer-term agreements.

followed by the opening of the Guernsey office in 2014. The group was acquired by GLI Finance Limited, a specialist Guernsey-domiciled and managed loan company quoted on AIM, at the end of that year. The company has a very professional, experienced and well qualified board and management team who have all been involved in the offshore financial services sector for in excess of 25 years. can be retrospectively fitted, usually in one day, and generally does not require plumbing changes. Audio - Ensuring that equipment is installed and setup to maximise listening pleasure. Visual – TV and home cinema. The move to wall-mounted flat screens and the need to distribute HD video with no boxes in sight requires planning and in most cases some technical assistance.

the expertise to drive the HR and learning and development professions forward. The organisation is independent and not-for-profit and holds a highly respected Royal Charter. At a time of unprecedented change it has the vision, the agility and the strength to make a real difference for its members, businesses, the economy and all working people. CIPD Guernsey Branch has 220 members across all business sectors.

Whatever the scale of the project and the size of a client’s organisation, the Vantage professionals are passionate about providing innovative and practical solutions that deliver results without costing the earth. Work includes marketing campaign planning and implementation, event organisation and management and creative design.

T R AVEL

How responsible is your corporate travel? Amanda Eulenkamp of TravelSolutions looks at the place of corporate social responsibility (CSR) as far as business travel is concerned Everyone has heard about CSR, but how does it relate to the travel industry? Do you focus too much on the cost of the flights for your employees, without looking at the route or the timings? Do you save a little bit on a hotel room for a single traveller, without taking into account its proximity to the meeting that your member of staff is attending? In addition to making business travel a little more inconvenient, some cost savings can also put companies at risk of breaching regulations. Sometimes it seems as if everything we do is subject to regulations and that we have to tick numerous boxes to satisfy them. But when it comes to staff travel, do you tick the right boxes? CSR has taken a further step in the legal requirements for companies to protect their employees in the performance in their duties. The extension of health and safety provisions beyond the company workplace has a specific impact on business travel and the need for companies to ensure that they have systems in place to ensure the protection of their employees. The duty for a company to demonstrate that it has exercised all due care in ensuring an employee does not either take risks or face risks when travelling on business has led many to question whether this will mean the end of self-booking, or a major increase in company expenditure as travellers book only with premium-priced suppliers. This is not necessarily the case as many companies have seen that costs and time can be saved by using a travel management company, rather than do-it-yourself booking, and so

have also (without realising it) mitigated much of their responsibility on safety issues. While a company cannot fully abdicate its responsibility to its employees by passing this duty of care to a travel management company, it is generally considered that insistence upon use of professional expertise from a third party is a very good illustration that the company acted in a responsible manner. The rise of the internet has seen many somewhat dubious airlines appear as first choice on many searches – take a look at the Asian and African markets. Indeed, some of the airlines that are high up in search rankings also figure prominently on the EU banned airlines list! Recently UBER and AirBNB have taken the taxi/transfer and accommodation markets by storm. The idea is excellent and any travel management company will investigate the options provided by these products. However let’s take time to think – would you trust an unknown taxi or bed and breakfast in Delhi or Moscow? Horror stories are becoming more prevalent and it is only a matter of time before something serious happens. A good travel management company will always: • Offer a 24-hour emergency service • Avoid routings which are contrary to ruling FCO advice • Avoid airlines that are included in the EU (or equivalent) ‘safety concern’ lists • Recommend hotels which are in appropriate surroundings to minimise risks on the street • Advise on hotels to meet the specific

needs of inexperienced, disabled or female travellers • Arrange ground transfers through respectable operators • Suggest alternatives to self-drive car hire in inclement weather conditions Being part of ABTA and licensed by the CAA ATOL scheme, travel management companies will have undergone rigorous testing to make sure that they follow the relevant codes of conduct that include such things as professional indemnity. All of these are part of the standard service as well as ensuring excellent value for money. While self-bookers are rarely reckless in extreme, the frustrations they experience at the time spent trying to arrange a trip are widely recognised. They often reach the point when they will call time on the search process and make a snap judgement to select an option which appears to suit the needs of the moment – leaving a company open to the potential accusation of an absence of social responsibility towards the employee. Travel management companies are also looking at the implementation of new ways to keep their travellers informed. In a previous article we discussed the new traveller contact systems being rolled out by TravelSolutions with the ability for GPS location via smartphone apps. For companies with travellers visiting many of the hotspots around the world these simple and extremely cost effective tools should prove a massive insurance policy. The duty is clear and embodied in law. The solution is clear, and both tried and tested.

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A LL I N A DAY’ S WORK

All in a day’s work Ashley Clancy

AL L IN A DAY ’ S WOR K

Ladies' College Principal Ashley Clancy is a sports-loving, hands-on head who likes hedge veg and is described by her pupils as ‘kind’, ‘enthusiastic’, ‘encouraging’ and ‘really supportive’. Contact magazine met Ashley to talk about the College’s ambitious building plans, Mary Poppins and what really happens in the school holidays. Ashley has just completed her first academic year as principal of Ladies' College. With around 600 pupils under her care and a significant building project on the horizon it’s not surprising that no two days are alike for her, but Ashley takes it all in her stride. ‘I’m involved with anything and everything to do with the school,’ explains Ashley. ‘When I come in I have usually covered the “must-do” actions the night before so I start the day knowing what I need to move forward and then I will pick up on other things as needed. ‘The biggest challenge is to do the actual job and also fit in the “people bit” as that is what is so interesting. We get all these young people who come in every day wanting to learn – it’s very exciting.’ Ashley admits she has missed teaching but is looking forward to taking that on again at the start of next term. She trained as a geography and PE teacher, gaining her teaching qualification at the renowned Loughborough University, and confesses that she always knew she wanted to be a teacher.

‘I have an old notebook, which I had when I was six, where I wrote down that I wanted to be a teacher. Then I remember when I was 11 years old I decided I wanted to be a PE teacher. So when it came to deciding on a degree I followed my passion.’ That passion has seen her work at some of the UK’s top girls schools including Nottingham High and Berkhamsted School.

The biggest challenge is to do the actual job and also fit in the 'people bit'as that is what is so interesting. We get all these young people who come in every day wanting to learn – it’s very exciting Aside from teaching, Ashley’s other love is sport and she played netball for the Birmingham University team and for the

English Universities team, visiting Guernsey twice for matches. ‘Competitive sport teaches us a whole range of skills that are outside of the sport itself. I think sport has an incredibly high profile in the media, it’s recognised as being of value in a whole range of areas – people who succeed gain skills and commitment and they become interesting to employers but nearly all the sport we see on TV is male.’ Ashley goes on to explain that she is not just a fan of team sports, but hopes to build yoga, relaxation and street dance into the lunchtime schedule so that there are physical activities available to the pupils who are not sport focused. Day-to-day life as principal is varied and busy. ‘I might be in meetings discussing strategic direction with my team, or with the bursar. I love to get out of my office and watch assemblies either at the senior school or with the tiny tots at Melrose and watch sports activities like the recent house tennis matches and sports day.’ Ashley is involved in everything from balancing the school’s books and staff meetings to the popular PTA coffee mornings with parents. The school has a strong structure with form coordinators,

A LL I N A DAY’ S WORK

management and teachers. However, the principal will become more involved with students who need particular support structures implemented. Regular Monday morning staff meetings see colleagues updating each other on both the educational and pastoral needs of students as well as discussing forthcoming events and work flows. The pupils are active with many charities and Ashley cites her recent ‘ice bucket challenge’ as being a particularly memorable moment in her short time in the post. ‘I did 20 ice buckets and was sponsored by girls in the senior school to raise money for Georgina's Gang. The soaking was quickly forgotten but the charity wristband and card signed by our L5Y students will stay with me forever.’ The school has a busy events programme, which Ashley enjoys attending. She describes this year’s Liberation Day service at Footes Lane where pupils acted as ushers to those who had experienced island life during the Occupation as ‘very special indeed’. Evenings might bring a school concert or, more recently, fundraising events for the ambitious building programme that the college began in 2009. Known as Phase 3, the project will see the old huts replaced by a new block adjoining the main school building that will house eight classrooms and a larger dining room. Improved music

facilities, a new library and space to house a learning support function are also part of the plans. ‘We are fundraising in a number of ways,’ explains Ashley. ‘We’ve held events with parents, at-home events, and have a ball pencilled in the diary for March 2016. ‘We are also launching an alumni scheme for past pupils and have been lucky to have

Businesses in Guernsey support the college hugely with our career enrichment programme for sixth form and equally they recognise the quality of education we offer. some donations from local businesses. Businesses in Guernsey support the college hugely with our career enrichment programme for sixth form and equally they recognise the quality of education we offer. Businesses need flexible people, with a

growth mindset, who can deliver a job and we give our pupils an excellent academic education, but also every opportunity to grow into rounded and grounded young women, who have a wealth of experience.’ Clearly being well-rounded and getting the balance right is important to the principal. ‘I tell the pupils that I would love to be Mary Poppins, but she is fictional. The girls tend to demonstrate a growth mindset and set themselves ambitious goals, often packing a lot into a day whilst also recognising that their actions can work to benefit others. ‘They see no glass ceilings and have a “can-do” mentality; yet sometimes it is also about knowing when to say no and when to stop to take a breath. It is around these sorts of situations where I think it is important to realise the specialism of educating girls.’ Outside of school Ashley talks about her love of Guernsey and feels very at home on the island. As well as discovering the best hedge veg stalls she enjoys being outside, walking the cliff paths, playing tennis or sometimes running. For Ashley the holidays are a time to take a deep breath, reflect, re-group and work on plans and policies for the coming term. ‘You are never really off-duty as principal and I do like to start the new term with momentum.’

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B U S I N ES S IN THE C OMMUN IT Y

Largest independent grant provider in the Channel Islands celebrates 30 years

John Hutchins, from the Lloyds Bank Foundation Channel Islands, looks at the valuable support the foundation has given to local charities over three decades

B U S IN E S S IN T H E COM M U NIT Y

Disability and disadvantage are our main focal points as we only fund charities that support, aid, or enhance the lives of those who suffer from disadvantage

Since 1985 the Channel Islands’ branch of the Lloyds Bank Foundation has had a significant impact on the community. Over these past 30 years, we have donated grants in excess of £14 million to local charities making us one of the most consistent charitable funding sources in the Channel Islands. Last year, the foundation donated to 31 charities across the Bailiwicks which totalled some £754,502 with the majority being donated to charities that support people with disabilities. Guernsey charities received about £360,000 of this total figure.

Last year, the second largest grant totalling £60,000 was given to Every Child Our Future (ECOF) to cover the costs of training reading discovery teachers. ECOF has taken on the initiative to lead the cause of creating a culture where all sectors of the community are collectively responsible for the education of young people. Through the training of these reading discovery teachers the charity will be able to provide initiatives at Guernsey primary schools and aid in improving numeracy and literacy skills among Guernsey children who are, in effect, left behind due to their background or academic struggles. These services are essential, yet costly, and the foundation recognises that core funding for these costs is necessary.

In addition, the foundation’s match-giving scheme with Lloyds Bank staff accounted for another £47,000 which was matched by the foundation, bringing the grand total of money donated in 2014 to just over £800,000. Disability and disadvantage are our main focal points as we only fund charities that support, aid, or enhance the lives of those who suffer from disadvantage. Lloyds Bank Foundation recognises the significance of helping those who have a few more obstacles to overcome and we seek out charities that are most in need of funding for this cause. Showing sustainability and evidence that any funding from the foundation will “make a difference” is key to our decision making. We also recognise the importance of core funding, such as salary costs, which most other charitable foundations either can’t or won’t do.

In celebration of our ‘pearl’ anniversary the three branches of the foundation; England and Wales, Northern Ireland, and the Channel Islands will be holding the first ever ‘Charity Achievement Awards.’ Charities from each region that currently have an active grant from the foundation will be given the chance to win an award in one of six categories which allows them to showcase the tremendous work they’ve accomplished. The winners from each category will have the chance to attend the national awards ceremony held in London in October. In 1987 the total amount awarded in grants was £50,000. To put this number in perspective, £10,000 was a large sum for a grant then. Since that time, the amounts donated have risen substantially and today they total £800,000. In 30 years this astronomical increase has made Lloyds Bank Foundation the largest independent grant provider in the Channel Islands. The foundation’s annual figures demonstrate how we’ve risen to the top of charitable funding over the years and all the trustees are delighted with the contributions we can make to so many worthy causes. Applications are accepted and decided upon three times a year - in March, July and November - and more often than not it is cause for intense and passionate debate between our dedicated trustees.

The foundation shares the perspectives of ECOF as we realise that real change is needed in providing children with the best education and learning opportunities possible. A strong education is invaluable and can provide children with the tools to create a better future.

I encourage all charities who meet the criteria of the foundation to submit an application. Further details on the foundation along with applications and guidelines can be found: www.lloydsbankfoundationci.org.uk

B U S I NES S IN THE C OMMUN IT Y

C5 supports Priaulx Premature Baby Foundation

Ravenscroft supports Guernsey's disabled athletes at the Disabled Games Saffery Champness team supports Pink Ladies' Sunset Walk

State Street team raises £5,000 at the 2015 Rock to Rocque AFM raises money for Les Bourgs

CI Co-operative Society donates £1,000 to Guernsey Bereavement Service Bryony Bailey awarded BDO's career show prize

Canaccord to sponsor Guernsey marathon

B U S IN E S S IN T H E COM M U NIT Y

Ross Senior - St John's Commanderies Cadet of the Year

1st Central's Lennie the train raises nearly £500

Guernsey Electricity supports Every Child Our Future

Berlin Philharmonic Octet workshop for local students (sponsored by Deutsche Bank and Mourant Ozannes)

ABN AMRO lunch raises £1,200 for Safer

Skipton supports Arts Sunday

Adrian Sarchet named Skipton Swimarathon's 2015 ambassador

RBC team supports La Société Guernesiaise

1st Central team gets shaved for charity

Saffery Champness Rotary Walk supports 11 charities

Sure's telephone box the new home for defibrillator

G R U M P Y OLD (WO)MA N

Tim Guilbert is

grumpy old wo(man) Traffic systems that drive him mad; road layouts that are a car crash, Tim Guilbert has a few car-related issues to get off his chest. Tim is this issueâ&#x20AC;&#x2122;s grumpy old (wo)man.

G RU M PY OL D ( WO) M AN

Tim’s role as managing director of property consultancy Property Plus and construction firm Consult and Build is far from desk bound. He spends a significant percentage of his time behind the wheel, around the island visiting clients and construction sites, so he has regular first hand experience of the island’s road layouts and traffic systems and management – and he is far from impressed. ‘The problem is there is no traffic management – well there certainly doesn’t seem to be. I know there has been on-going debate about the change in the St Peter Port seafront traffic system and I am not usually someone to have a whinge, but in this case what we have is a total travesty. The new ‘scheme’ – and I use the term hesitantly – seems to have been driven (no pun intended) by the harbour department which to my knowledge doesn’t employ any traffic management experts, at significant cost and now there is talk about everything being reversed, or at least reviewed, in a few months’ time. In the meantime we have unnecessary queues, the need for police officers to man a pedestrian crossing – further cost – and what appears to be a less than satisfactory solution to the cruise boat passenger handling problem which, to my knowledge, was the reason for the change in the first place. ‘And almost overnight, a series of scruffily hand written signs have appeared, placed at various points along the seafront in an attempt to assist drivers with lane selection – hardly the impression of a well kept, pretty, welcoming destination that the island should be giving to these cruise passengers and other visitors to our shores. Is it me or does this all suggest a singular lack of forward planning?’ Traffic flow is also impaired in Tim’s opinion, by the number of pedestrian crossings on the East coast. ‘I counted 10 between Les Vals des Terres and just past the halfway. But obviously the main issue is in the centre of town. I am no expert but with so many crossings – plus the reduction in lanes heading south – the traffic is ‘stop start’ the whole way along. Why not close the police-manned crossing altogether? Cruise passengers would be directed towards the bus terminus and locals either there towards the crossing at

the Crown Pier. Surely people could walk another two minutes to cross the road safely.’ Still on the subject of traffic, Tim feels the quality of driving in the island leaves a lot to be desired. ‘People are sometimes too cautious,’ he said. ‘Don’t get me wrong I am not suggesting that we should all drive at dangerous speeds and break the law, but doing 20 in a 35-mile -an-hour zone is not conducive to keeping the traffic flowing; I also often see cars almost waiting at filters for a car to come from the other direction. And I wish people would learn how to use a roundabout properly – it’s a bit of a guessing game sometimes with drivers not giving any indication of where they are heading.

‘Education is another area where I think people’s expectations should be realistic. Don’t get me wrong - of course I think that our children should receive the best level of education possible. But if it makes sense to close one school then we should do just that. I don’t know what the medium or long-term forecasts are relating to predicted numbers of school-aged children, nor the potential gains from the rationalisation of less popular subject teaching. All I am saying is that these decisions should be informed ones and based on fact not emotion.’ A local Guernsey man (the name Guilbert is a bit of a give away) Tim is realistic regarding the need for a relaxation in the population regime. ‘The threat of our changing population demographic is a well known fact. And the bottom line is that we are going to need more people contributing to tax revenues in order to counter it. Bringing new skills into the island will also potentially help diversify the economy. Increasing corporation tax is obviously another option but will be less palatable if that means that we lose ground against competitors in the financial services sector.

‘My other issue is one of safety. It’s appalling how many drivers you see on their phones whilst at the wheel. I know this is against the law but that doesn’t seem to worry people, supposedly because they can get away with it relatively easily. It’s so dangerous and with modern ‘hands-free’ technology there really is no excuse.’ Moving away from all things car-related, Tim would like to see more collaboration between the islands in relation to public service provision. ‘I think that Guernsey has got a bit spoilt to be honest. For example we have a massive hospital, which we seem to struggle to staff, and which appears to be far bigger than a population of our size requires. Of course being an island community requires a certain minimum service delivery that you can’t directly compare with similar populations on the mainland, but there must be areas in our healthcare provision that we could share with Jersey – to the benefit of both the islands.

‘I would like to applaud Gavin St Pier at this point. The demographic threat is real and no solution is going to be welcomed because it will inevitably lead to some form of increased taxation (direct or otherwise). He has tackled this head on, without the fear of becoming unpopular and without thought of future election success. He should be congratulated for grasping the nettle.’ Tim’s last thoughts relate to customer service – particularly in the public sector. ‘It’s patchy at best. Whilst I have had a handful of positive experiences, unfortunately service that I have received from public facing staff in certain departments has been extremely poor and attitudes more grumpy than I am being! ‘I understand that there is an initiative across the public sector, ‘Service Guernsey’, looking at a long-term reform of the civil service. This is a welcome move and hopefully we will see things change – it doesn’t cost anything to be pleasant and polite.’

IN DI VI DUA L ME MBE R S

Mr Greg Archer gregonhorse@gmail.com

07781 437310

Mr Richard Lawler lawler.richard@gmail.com

078392 45728

Mr Richard Burwood rmburwood@gmail.com

07911 717021

Ms Octavia Lord Octavialord9@gmail.com

07781 161626

Mr David Byers davidbyers@ftml.net

01481 233151

Mr Paul Luxon pluxon@gmail.com

07911 103460

Ms Fionnuala Carvill fionnuala.carvill@kleinwortbenson.com

01481 253236

Mr Warren Mauger warren.mauger@spikeproductions.co.uk

01481 748033

Mr Geoff Colclough gccolclough@yahoo.co.uk

01481 239372

Mr Nick McCathie Nick.McCathie@mccathie.gg

01481 266808

Mr Mike Collins mcollins@suremail.gg

01481 267167

Ms Carla McNulty Bauer carlamcnultybauer@cwgsy.net

01481 723276

Mr Robert Cooney cooney@guernsey.net

01481 256720

Ms Nikki Neal nikki@neal.gg

01481 230826

Mr Peter Cornell peter.cornell@metric-capital.com

07824 504298

Mr Steve Park stevepark@guernsey.net

Mr John Curran johnnypcurran@hotmail.com

07781 125047

Mr Tim Robins robins@cwgsy.net

01481 256625

Mr Peter Daley peter_daley55@hotmail.com

01481 724000

Mr Chris Russell chris@tisef.com

01481 714292

Mr Baron Deschauer bdeschauer@gmail.com

07747 813076

Mr Roy Sarre madroy@cwgsy.net

01481 263930

Mr Rupert Dorey rupertdorey@mac.com

07781 400400

Mr Tomaz Slivnik slivnik@tomaz.name

07911 727642

Mr Fergus Dunlop dunlop@guernsey.net

07781 117980

Mr Jeremy Smithies jeremy@smithies.gg

01481 246675

02702 298 8304

Mr John Stares j_stares@hotmail.com

01481 232790

Mrs Rebbeca Elliott becky.elliott@kaybooksonline.co.uk

01481 240613

Mr Martin Storey martin.msci@cwgsy.net

01481 736917

Mr Wade Emmerson wade.emmerson@consultant.com

01481 234327

Mr Carl Symes carl@carlsymes.com

01481 724290

Mr Bernard Flouquet bernard@flouquet.com

01481 254326

Ms Jenny Tasker jenny@taskeronline.com

01481 701528

Mr Julyan Gardener-Wheeler jgw@consultant.com

01481 266188

Mr Alex Taylor crozatier@gmail.com

01481 233370

Mr Mike Garrett garrett@cwgsy.net

01481 726818

Mr David Thompson dejthompson@gmail.com

07781 100133

Mr Larry Granger larrygranger@cwgsy.net

01481 251168

Mrs Gillian Tidd sassafras@guernsey.net

01481 258402

Mr Jason Hill jasonhill@cwgsy.net

07781 137995

Mr Roy Tilleard roy.tilleard@lornehouse.com

07781 162301

Mrs Anne Hough annehough1@gmail.com

07781 138042

Mr Jeff Vidamour jvidamour@cwgsy.net

01481 267048

Ms Sheila Innes sheilainnes36@gmail.com

01481 724014

Mr Darren Vogel darren.vogel@gmail.com

07973 506398

Mr Hugh Johnson hughjohnson@suremail.gg

01481 713961

Mr Tony Webber anthonywebber@cwgsy.net

07781 166349

Mr Stephen Jones jonessm@guernsey.net

01481 235851

Mr Hans R Wust hrw@cwgsy.net

01481 245134

Mr Mark Eban meban@spencerstuart.com

01481 710615

Mr Ronald Knight rgknight@cwgsy.net

01481 715150

Ms Corinne Joy corinne.joy@cwgsy.net

01481 247592

D IRE CT ORY

A 2mi Financial Services Limited Sean Martin sean@2mi.gg

Financial Services 01481 726277 www.2mi.gg

A1 Distributors Ltd Sue Lesbirel orders@a1.gg

Distributors 01481 726556 www.a1.gg

ABN Amro Guernsey Ltd Financial Services Judy Snell 01481 751000 info@gg.abnamro.com www.abnamroprivatebanking.gg abt Alex Denoual enquiries@guernseylegal.com

Legal Services 01481 724124 www.guernseylegal.com Education & Training 01481 714909 www.accent.gg

Accent Language School Anna Lisa Detassis info@accent.gg Active Group Limited Jo CarrĂŠ info@activeoffshore.com

Financial Services 01481 711822 www.activeoffshore.com Education & Training 01481 251095

Admiral Training & Development Corporation Derek Knowles admiral@guernsey.net

AFR Advocates Legal Services Debbie Charman 01481 743999 info@afradvocates.com www.afradvocates.com AG Accounting Services Limited Financial Services Andy Gill 01481 710004 andygill@guernseyaccounting.com www.guernseyaccounting.com Aircraft Servicing (Guernsey) Ltd Mark Parr info@flyasg.co.uk

Trades 01481 265750 www.flyasg.co.uk

Airtel-Vodafone Ltd Telecommunications Ian Campbell 01481 520121 121@airtel-vodafone.com www.airtel-vodafone.com Albany Trustee Company Ltd Anthony Holt info@albanytrustee.com

Financial Services 01481 724136 www.albanytrustee.com Financial Services 01481 740300 www.albecq.com

Albecq Trust Company Limited Mik Underdown info@albecq.com

Alderney Shipping Group Distributors Bruno Kay-Mouat 01481 724810 questions@alderneyshipping.com www.alderneyshipping.com Retail 01481 246827 www.alliance.gg

Alliance Ltd Andrew Bagot alliance@cwgsy.net

Property 01481 729891 www.alphaestates.net

Alpha Estates Ltd David Ingrouille david@alphaestates.net Alternative Solutions Limited Neil Jordan solved@asl.gg Amalgamated Facilities Management Ltd Darren Etasse enquiries@amalgamatedfm.com Amysonâ&#x20AC;&#x2122;s (1978) Ltd Dennis Steer Annandale Ltd Richard Ogier richardo@annandale.gg

IT & Computing 01481 701234 www.asl.gg

Anson Registrars Limited John Le Prevost reception@anson-group.com

Financial Services 01481 722260 www.anson-group.com

AO Hall Advocates Sarah Bourgaize info@aohall.com AP Group Ltd Andrew Cullen info@apgroupglobal.com

Legal Services 01481 723723 www.aohall.co

Recruitment, HR & Payroll 01481 715757 www.apgroupglobal.com

Apax Partners Guernsey Limited Financial Services Denise Fallaize 01481 810000 denise.fallaize@apax.gg www.apaxpartners.us.com/offices/guernsey Appleby Legal Services Gavin Ferguson 01481 755600 guernsey@applebyglobal.com www.applebyglobal.com Aquarius Accounting Services Limited Tracey Van Zanten tracey@aquariusaccounting.gg

Financial Services 01481 715611 www.aquariusaccounting.gg

Aquastar Ltd Geoff Wilson aquastar@guernsey.net

Marine 01481 244550 www.aquastar.gg Home & Garden 01481 265296

Arborcraft Ltd Jonathan Skillett arborcraft@cwgsy.net

Archivist Business Services Bryan Smitheram 01481 251484 office@archiviststorage.com www.archiviststorage.com Armstrong Continuity Limited Chris Oliver info@armstrong-continuity.com

Consultants 01481 251683 www.armstrong-continuty.com

Arrowsmith Marlowe Tracy Guille tracyasmlaundry@suremail.gg

Cleaners 01481 247633 www.angoragroup.co.uk

Artemis Trustees Ltd Robert Sinclair info@artemisci.com

Financial Services 01481 729466 www.artemisci.com

Atec Engineering Limited Adrian Marsh atec@cwgsy.net

Trades 01481 244977

Atlantis Marine Ltd Patrick Wheeler info@atlantismarine.biz

Marine 01481 258514 www.atlantismarine.biz

Avenue Clinic Health & Beauty Dimi Argyros 01481 728798 admin@avenueclinic.co.uk www.avenueclinic.co.uk Avenue Flowers & Design Retail Ilze Alka 01481 724442 florist@avenueflowers.net www.avenueflowers.net AWS Design & Sign Group Steve Free awsgroup@cwgsy.net

Advertising & Marketing 01481 728283

Business Services 01481 252111 www.amalgamatedfm.com Retail 01481 245713 Retail 01481 253088 www.annandale.gg

B B&Q (Retail) Ltd Retail Michael Penney 01481 713005 GSY766.DutyManager@b-and-q.co.uk www.diy.com/store.guernsey/BQ_GSY766 Babbé Legal Services Simon Howitt 01481 713371 mail@babbelegal.com www.babbelegal.com Babbé McCathie Don Babbé admin@bmlgsy.com

Trades 01481 714344 www.bmlgsy.com

Recruitment, HR &Payroll 01481 731059 www.bachmannhr.com

BachmannHR Group Nathalie Langmead bmpsl@bachmanngroup.com Bailiwick Estates Sonia Taylor sonia@bailiwickestates.com

Property 01481 714344 www.marketplaceguernsey.co.uk

Bailiwick Of Guernsey Guild of Accredited Guides Leisure Carla Bauer 01481 723276 carla.bauer@cwgsy.net www.guernseyguidedtours.com Finnancial Services 01481 725147 www.jsafrasarasin.com

Bank J. Safra Sarasin Nikki Tanguy nikki.tanguy@jsafrasarasin.com

Financial Services 01481 726618 www.juliusbaer.com

Bank Julius Baer & Co Ltd Tony Crawley tony.crawley@juliusbaer.com

Financial Services 01481 716026

Bank Of Cyprus (CI) Ltd Andrew Dempster info@gg.bankofcyprus.com

Barclays Private Clients International Ltd (Guernsey) Financial Servicies Simon Veron 01481 755367 simon.veron@barclayswealth.com www.barclayswealth.com Barclays Wealth Financial Services Garry Dayes 01481 755367 garry.dayes@barclayswealth.com www.barclayswealth.com Barras Car Centre Ltd Motoring & Biking Martyn Torode 01481 249915 martyn@barrascarcentre.co.uk www.barrascarcentre.co.uk Baudains Trade Supplies (BTS) Retail Peter Baudains 01481 248822 sales@btsgsy.com www.btsgsy.com BDO Limited Fiona McKane mail@bdo.gg

Financial Services 01481 724561 www.bdo.gg

Beckfords Funeral Services Ltd Funeral Services & Monumental Works Jane Duquemin 01481 264202 enquiries@beckfords.com www.beckfords.com Bedell Cristin Mark Helyar annie.zunino@bedellgroup.com

Legal Services 01481 812812 www.bedellgroup.com

Bella Luce Hotel & Spa Luke Wheadon wakeup@bellalucehotel.com

Hotels, Guest Houses & B&Bs 01481 238764 www.bellalucehotel.com

Best Books Ltd Colin Langlois admin@bestbooks.gg Betley Whitehorne Image Chris Betley guernsey@wearebwi.com

Financial Services 01481 253332 www.bestbooks.gg

Advertising & Marketing 01481 723456 www.wearebwi.com

Betway Ltd Guernsey Branch Bridget Jennings guernsey@betway.com

Leisure 01481 746411 www.betway.com

Black Horse Offshore Ltd Phillip Le Cheminant phillip.lecheminant@blackhorse.co.uk

Financial Services 01481 710411

PR / Media / Event & Venue Services 01481 729229 www.black-vanilla.gg

Black Vanilla Jade Isabelle hello@black-vanilla.gg

Blanchard Building Supplies James Roberts jamesr@blanchard-ald.com

Retail 01481 822722 www.fortismerchants.co.uk

Blenheim Group Alasdair Milroy info@blenheimgroup.com

Financial Services 01481 715200 www.blenheimgroup.com IT & Computing 01481 746770 www.bleuit.com

Bleu IT Consultants Limited Matt Le Huray info@bleuit.com

Advertising & Marketing 01481 706740 www.blix.co

Blix Dominic Bennett hello@blix.co

Retail 01481 210280 www.bluediamond.gg

Blue Diamond Ltd Alan Roper alan@bluediamond.gg

Boatworks+ Marine Mark Nightingale 01481 726071 info@boatworksguernsey.com www.boatworksguernsey.com

Home & Garden 01481 200011 www.bonsaigroup.gg

Books & Company Ltd John Merrien enquiries@booksandcompany.gg

Financial Services 01481 726655 www.booksandcompany.gg

Bonsai Group Mathew Rolfe info@bonsaigroup.gg

Bordage Monumental Works Ltd Martyn Renouf

Funeral Services & Monumental Works 01481 721415

Boulangerie Victor Hugo Reda Karim boulangerievh@cwgsy.net

Food & Drink 01481 714714 www.boulangerie.gg Education & Training 01481 266176 www.bpp.com/guernsey

BPP Professional Education Sarah Colley guernseyinfo@bpp.com Brehon Ltd Sarah Hancock accountants@brehon.co.uk

Financial Services 01481 233009 www.brehon.co.uk

Brewin Dolphin Ltd Adrian Clayton adrian.clayton@brewin.co.uk

Financial Services 01481 736682 www.brewin.co.uk

Bridge Dental Clinic Anne Richardson reception@bridgedental.gg

Health & Beauty 01481 245357 www.bridgedental.gg

Bridgewater Limited Barry Le Pelley admin@bridgewater.co.gg

Financial Services 01481 722221 www.bridgewater.co.gg

Brittain Hadley Partnership Graham Hollingsworth guernsey@bhg.eu.com

Architects & Surveyors 01481 713573 www.brittain-hadley.com

Brooks Macdonald Jayne Warren guernsey@brooksmacdonald.com

Financial Services 01481 815555 www.brooksmacdonald.com

Browns Advocates Adrian Brown enquiries@brownsadvocates.com

Legal Services 01481 740002 www.brownsadvocates.com

BSG Resources Ltd Trades Peter Driver 01481 812000 info@bsgresources.gg www.bsgresources.com Bumblebee Marine Dan Meinke skipper@bumblebee.gg Butterfield Bank (Guernsey) Ltd John Robinson guernsey@butterfieldgroup.com

Leisure 01481 720200 www.bumblebee.gg Financial Services 01481 711521 www.gg.butterfieldgroup.com

BWCI Group Financial Services Stephen Ainsworth 01481 728432 mail@bwcigroup.com www.bwcigroup.com

Channel Islands Securities Exchange Financial Services Georgina Sines 01481 713831 georgina.sines@cisx.com www.cisx.com IT & Computing 01481 722575 www.c5alliance.com

C5 Alliance Limited Marc LainĂŠ enquiries@c5alliance.com

Calligo Limited IT & Computing Andrew Wicks 01481 731775 info@calligo.net www.calligo.net Canaccord Genuity Wealth Management Financial Servces Andy Finch 01481 712889 cgwm_offshore@canaccord.com www.canaccordgenuity.com Retail 01481 245897 www.capelles.co.uk

Capelles Building Stores Limited Andy Le Flem sales@capelles.co.uk Careers Events Limited Anthony Reynolds info@careersevents.co.uk

Education & Training 01481 727100 www.careersevents.co.uk

Carey Group Financial Services Tim Bush 01481 737203 info@careygroup.gg www.careygroup.gg Carey Olsen Emma Mauger emma.mauger@careyolsen.com

Legal Services 01481 727272 www.careyolsen.com

Catherine Best Retail Paul Freeman 01481 237771 sales@catherinebest.com www.catherinebest.com Cazenove Capital Management Julian Winser julian.winser@cazenovecapital.com CBL Consulting Nick Barton guernsey@cblconsulting.co.uk

Financial Services 01481 703700 www.cazenovecapital.com Consultants 01481 244433 www.cblconsulting.co.uk

CBO Projects Consultants Philip Smith 07781 128208 philip.smith@cboprojects.com www.cboprojects.com CCD Chartered Architects Limited Andrew Dyke mail@ccd-architects.com Chain Limited, The Carl Ceillam info@chainci.com

Architects & Surveyors 01481 726461 www.ccd-architects.com Security 01481 257008 www.chainci.com

Education & Training 01534 737701 www@citd.co.uk

Channel Islands Training & Development Ltd Stephanie Bass mail@citd.co.uk Channel Welders Toni Clayton enquiries@channelwelders.gg Chateaux Estate Agency Ltd David Corson info@chateaux.gg

Retail 01481 246262 www.channelwelders.gg Property 01481 244544 www.chateaux.gg

Cherry Godfrey Insurance Providers / Financial Services David Cherry 01481 711666 admin@cherrygodfrey.com www.cherrygodfrey.com Chescoe Chartered Surveyors & Architects Architects & Surveyors Nigel Chescoe 01481 713137 nchescoe2@icloud.com www.chescoecharteredsurveyors.com Food & Drink 01481 726624 www.christies.gg

Christies Group, The Christophe Gaultier manager@christies.gg CI Lighting Ltd Roy Rogers cilighting@cwgsy.net CIA Limited Nick England info@cia.gg CIPD Guernsey Branch Vanessa Harvey guernsey@cipdbbranch.co.uk Claire Boscq-Scott The Busy Queen Bee Claire Boscq-Scott contact@thebusyqueenbee.com Clegg Gifford & Co Ltd Cilla Thompson office@cgguernsey.com Cleland & Co Limited Harry Dick-Cleland info@cleland.gg

Retail 01481 728911 Financial Services 01481 725020 www.cia.gg Charity 07781 193697 www.cipd.co.uk

Business Services 07797 828950 www.thebusyqueenbee.com Insurance Providers 01481 728987 www.cglloyds.co.uk Financial Services 01481 740205 www.cleland.gg

Climate Controls Ltd Agriculture & Hortliculture B H Bisson 01481 263860 mail@climate-controls.com www.climate-controls.com

Clos De Vaul Creux Hotels, Guest Houses & B&Bs Celaro Retail Leigh Gibbins 01481 832527 Allison Forman 01481 724721 eng@closdevaulcreux.co.uk www.closdevaulcreux.co.uk celaro@cwgsy.net Coast Media Advertising & Marketing Channel Island Ceramics Home & Garden Katie Blampied 01481 735450 John Litchfield 01481 234000 katie@coast.gg www.coast.gg mail@channelislandceramics.com www.channelislandceramics.com Cogent Limited Financial Services Channel Island Toys Retail Nick Ferris 01481 706780 Andrew Deane 01481 723871 mail@cogentlimited.com www.cogentlimited.com sales@channel-teddy.co.uk www.channelteddy.co.uk Collaborate Communications Advertising & Marketing Channel Island Lines Distributors Julie Todd 01481 715222 Nigel Parry 01534 825611 julie@collaboratecommunications.com www.collaboratecommunications.com nigel.parry@channelislandlines.com www.channelislandlines.com Collas Crill Legal Services Channel Islands Competition and Regulatory Authorites Utilities Regulator Iain Beresford 01481 723191 Lisa White 01481 711120 guernsey@collascrill.com www.collascrill.com info@cicra.gg www.cicra.gg Collenette Jones Limited Financial Services Channel Islands Adjusters Limited Loss Adjusters Gareth Nicolle 01481 246324 Juluie-Anne Headington 01481 722533 mail@cjco.gg www.cjco.gg julie-ann@ciadjusters.com www.ciadjusters.com Comprop Property Channel Islands Co-operative Society Ltd Retail Steve Marie 01534 631409 Colin Macleod 01534 879822 enquiries@compropci.com www.compropi.com customer.relations@channelislands.coop www.channelislands.coop Condor Ferries Travel Channel Islands Motor Factors Ltd Motoring & Biking Russell Kew 01481 729666 Nigel Robert 01481 248411 reservations@condorferries.com www.condorferries.com nigel.roberts@cimotorfactors.com

Trades 07781 148741 www.propertyplus.gg

Consult & Build Limited Tim Guilbert tcg@cwgsy.net

Cooper Brouard Estate Agents Ltd Property Matt Brouard 01481 236039 enq@cooperbrouard.com www.cooperbrouard.com Coppolo & Coyde Jonathan Coyde info@copcoy.com

Health & Safety Specialists 01481 247248 www.copcoy.com

Cranfords Estate Agents Ltd Dominic Bacon sales@cranfords.co.uk

Property 01481 243878 www.cranfords.co.uk

Cream Services Guernsey Ltd Pieter Kluyver p.kluyver@guernsey-cream.com

Distributors 01481 751000 www.guernsey-cream.com Retail 01481 720203 www.creaseys.com

Creaseys and Son Ltd Anthony Creasey anthony.creasey@creaseys.com

Create Limited Architects & Surveyors James Barker 01481 259333 info@create-architecture.com www.create-architecture.com Credit Suisse (Channel Islands) Ltd Financial Services Peter Webber 01481 719000 guernsey.location@credit-suisse.com www.credit-suisse.com Credit Suisse Trust AG Financial Services Anne Bigeard 01481 719100 guernsey.location@credit-suisse.com www.credit-suisse.com Criteria Wealth Management Ltd Mark Penney info@criteriawm.com Crowd Media Jo Porritt hello@crowdmedia.co.uk Crowd Training Academy Jo Porritt hello@crowdtraining.me CT Plus Lee Murphy guernsey@htcgroup.org

Financial Services 01481 726375 www.criteriawm.com

Advertising & Marketing 01481 721632 www.crowdmedia.co.uk Education & Training 01481 721632 www.crowdtraining.me Travel 01481 700456 www.buses.gg

D D.D.S. Archive Storage Ltd J Kempson ddsarchive@cwgsy.net Da Nello Ltd Nello Ciotti danello@cwgsy.net

Deloitte LLP Rick Garrard gbranch@deloitte.co.uk Deutsche Bank International Limited Michael McKay michael.mckay@db.com Delta Training & Consultancy Dawn Bagnall info@guernseyfirstaid.com

Financial Services 01481 723996 www.dixcart.com

Dixcart Trust Corp Ltd John Nelson advice.guernsey@dixcart.com

Dominion Fund Management Limited Financial Services Jason Le Roux 01481 734342 investorservices@dominion-funds.com www.dominion-funds.com IT & Computing 07781 402793 www.donkeylogic.com

Donkeylogic Justin Guilbert info@donkeylogic.com

Financial Services 01481 729044 www.doreyltd.com

Dorey Financial Modelling Martyn Dorey martyn.dorey@doreyltd.com

Trades 01481 258123 www.dla.gg

Dorey Lyle & Ashman Ltd Adrian Ashman home@dla.gg

Motoring & Biking 01481 724025 www.doylemotors.co.uk

Doyle Motors Ltd Pierre Payne pierre@doylemotors.co.uk Duke Of Normandie Hotel Alan Sillett enquiries@dukeofnormandie.com DPS Global Healthcare Recruitment Roger Seaforth info@dpsglobalrecruitment.com Duke of Richmond Hotel, The Lukas Laubscher reservations@dukeofrichmond.com

Hotels, Guest Houses & B&Bs 01481 721431 www.dukeofnormandie.com Recruitment, HR & Payroll 01481 255588 www.dpsglobalrecruitment.com Hotels, Guest Houses & B&Bs 01481 726221 www.dukeofrichmond.com

DW Arundell and Co Ltd Penny Wilson dwa@dwaflooring.com

E.I. Sturdza Strategic Management Limited Adam Turberville info@eisturdza.com

Business Services 01481 740214 Food & Drink 01481 721552 www.danello.gg

David Jackson Accountant and Financial Manager Financial Services David Jackson 07781 105457 davidjackson@cwgsy.net www.guernseyfinancialmanager.com De Jersey, B R French Polisher B De Jersey bdejersey@cwgsy.net

Mapping 01481 700321 www.digimap.gg

Digimap Ltd Colin Le Conte admin@digimap.gg

Home & Garden 01481 247356 Financial Services 01481 724011 www.deloitte.co.uk Financial Services 01481 702000 www.db-ci.com Education & Training 07839 123011 www.guernseyfirstaid.com

East Harbour Associates Ltd Jonathan Guillemet info@east-harbour.com Eaton Place Investments Ltd Ondrej Faborsky centrumgsy@aol.com Ec events Julie Settle admin@ec-jersey.com

Retail 01481 246844 www.dwaflooring.com

Financial Services 01481 722322 www.eisturdza.com Consultants 01481 712826 www.east-harbour.com Financial Services 01481 721069 Event & Venue Services 01534 484234 www.ec-jersey.com

Ecoscreed (CI) Limited Trades Andy Allen 07781 457217 info@ecoscreedci.com www.ecoscreedci.com Edmond de Rothschild Asset Management Limited Stuart Perfitt info@groupedr.gg EFG Private Bank Channel Islands Limited Peter Daniels info@efgci.com Elian Fiduciary Services Tom Amy info@elian.com ELM Compliance Consultants Limited Emma Mauger emma@elmcompliance.com

Financial Services 01481 716336 www.groupedr.gg Financial Services 01481 723432 www.efginternational.com Financial Services 01481 721672 www.elian.com Financial Services 07781 109289 www.elmcompliance.com

IT & Computing 01481 710047 www.fultura.net

EY Mike Bane eyguernsey@uk.ey.com

Financial Services 01481 717400 www.ey.com/channel_islands

Fultura Limited Steve Vowles info@fultura.net

Evans & Co Brian Evans info@evansofficeinteriors.com

Business Services 01481 253277 www.evansofficeinteriors.com

Fumoto Engineering of Europe Ltd Trades Richard Flemming 01481 710047 info@fumoto-valve.com www.fumoto-valve.com

Executive Car Services Ltd Andy Ogier executivecars@cwgsy.net

Travel 07781 155545 www.executivecarsguernsey.com

Fusion Systems Ltd Paul Briggs enquiry@fusion-systems.com

IT & Computing 01481 721031 www.fusion-systems.com

F Falla Associates International Ltd David Falla guernsey@falla.com

Architects & Surveyors 01481 728020 www.falla.com

Feel Unique At Au Caprice Gee Marsh ocapel@feelunique.com

Retail 01481 729721 www.feelunique.com

Ferryspeed (Guernsey) Ltd Martyn Langlois sales@ferryspeed.com

Distributors 01481 249094 www.ferryspeed.com Trades 01481 247290

Finigan & Gibson Dave Finnigan FirstAid.gg John Atkins contact@firstaid.gg Firstcall Recruitment Ltd Tina Quertier info@firstcall.co.gg

Education & Training 01481 266799 www.firstaid.gg Recruitment, HR & Payroll 01481 714634 www.firstcall.co.gg

g2a Architecture Laura Priaulx hello@g2a.gg

Architects & Surveyors 01481 237360 www.g2a.gg

G4S Secure Solutions Bob Le Bargy enquiries@gg.g4s.com

Business Services 01481 265133 www.g4s.gg

Galaxy CI Computer Brokers Ltd Stuart Mosley info@galaxyci.com

IT & Computing 01481 740022 www.galaxyci.com

Garenne Construction Group Ltd Richard Jones enquiries@garenne.gg Generali Worldwide Insurance Company Ian Robinson enquiries@generali-guernsey.com Geomarine Limited Ian Gilmour enquiries@geomarine.gg Giroscope Limited Joanne Robilliard info@giroscope.gg

Trades 01481 254262 www.garenne.gg

Insurance Providers 01481 715400 www.generali-worldwide.com Trades 01481 201015 www.geomarine.gg Recruitment, HR & Payroll 01481 729020 www.giroscope.gg

First Names Group David Preston guernsey@firstnames.com

Financial Services 01481 234200 www.firstnames.com/locations/guernsey

Fletchersports Terry Ferbrache fletchersports@hotmail.com

Retail 01481 724114 www.fletchersports.co.uk

Fleur du Jardin, Hotel Ian Walker info@fleurdujardin.com

Food & Drink 01481 257996 www.fleurdujardin.com

Gower Financial Services Rob Boyd theansweris@gowerfinancial.com

Financial Services 01481 700155 www.gowerfincancial.com

Recruitment, HR & Payroll 01481 728824 www.focushrs.com

Granite Le Pelley Ltd Phil Le Roy enquiries@granitelepelley.gg

Trades 01481 257610 www.granitelepelley.gg

Focus Group Katie Bellingham info@focushrs.com Forest Stores Ltd Keith Bienvenu foreststores@cwgsy.net

Retail 01481 238395

Fort Grey Consulting Limited Consultants Daniel de Lisle 07781 439746 daniel.delisle@fortgreyconsulting.com www.fortgreyconsulting.com Financial Services 01481 234460 www.thefortgroup.com

Fort Group, The Jos Ensink info@thefortgroup.com Fractional Ownership Consultancy Limited, The Nick Hannah info@fractional.net French Connections Laure Abeille-Brown laure@islebc.com

Property 01481 747804 www.fractional.net Distributors 01481 722388 www.frenchconnections.gg

Fuel Supplies (C.I.) Ltd Jennie Hamilton enquiries@fsci.co.uk

Distributors 01481 200800 www.fsci.co.uk

Fuller Group Ltd Alex Fuller contact@fullergroup.co.uk

Property 01481 730702 www.fullergroup.co.uk

Goldridge Estate Agents Property Geoff Mauger 01481 715600 sales@goldridge.gg www.goldridge.gg

Grant Thornton Ltd David Spring info@gt-ci.com Green Acorn Ltd Keith Hounsell info@greenacorn.gg GFF Guernsey Greg Forino gregforino@gff.gg GTA University Centre Simon Le Tocq admin@gta.gg Guernsey Auto & Electrical Supply Co. Ltd Philip Sandwith info@guernseyauto.gg

Financial Services 01481 753400 www.gt-ci.com Renewable Energy 01481 727388 www.greenacorn.gg Gardeners & Landscapers / Retail 01481 235936 www.gff.gg Education & Training 01481 721555 www.gta.gg Motoring & Biking 01481 726644 www.guernseyauto.gg

Guernsey Botanical Trust Charity Hugh Johnson 01481 713961 guides@guernseywalledgarden.org.gg www.guernseywalledgarden.org.gg Guernsey Careers Service Alun Williams careers@education.gov.gg

Education & Training 01481 733044 www.careers.gg

Guernsey College of Further Education Saboohi Famili college@gcfe.net Guernsey Dairy Andrew Tabel admin@guernseydairy.com Guernsey Disability Alliance Shelaine Green info@disabilityalliance.org.gg Guernsey Electricity Ltd Alan Bates admin@electricity.gg

Food & Drink 01481 237777 www.guernseydairy.com

Guernsey Event Medical Services Ltd John Atkins contact@gems.gg

Guernsey Flowers Ltd Bridget Foss info@sendabunch.co.uk

Guernsey Gas Ann Cox jsd@i-e-g.com Guernsey Housing Association Steve Williams ghaenquiries@gha.gg

Event & Venue Services 01481 728686 www.eventguernsey.com Event & Venue Services 01481 266799 www.gems.gg

Retail 01481 251929 www.sendabunch.co.uk Distributors 01481 238180 Distributors 01481 724811 www.gsygas.com Housing 01481 245530 www.gha.gg

Guernsey Mind Charity Emily Litten 01481 722959 info@guernseymind.org.gg www.guernseymind.org.gg Guernsey Occupational Safety & Health Assoc Andrew Mills awards@gosha.org.gg Guernsey Pearl Ltd Andy Ison andyison@hotmail.com Guernsey Photographics Ltd Tim Harland arcade@guernseycomputers.com Guernsey Post Bethan Griffiths custserv@guernseypost.com

Health & Safety Specialists 01481 255774 www.gosha.org.gg

Retail 01481 266404 www.guernseypearl.co.uk Retail 01481 724001 Distributors 01481 711720 www.guernseypost.com

Guernsey Press Company Ltd, The Publishers J Marquand 01481 240240 newsroom@guernsey-press.com www.guernsey-press.com Guernsey Recycling Ltd Recycling Alan Crowe 01481 245402 guernseyrecycling@cwgsy.net www.guernseyrecycling.co.uk Guernsey Registry Alan Bougourd enquiries@guernseyregistry.com

Business Services 01481 743800 www.guernseyregistry.com

Guernsey Sands (Stillbirth & Neonatal Death Society) Charity Tania Shires 07781 715973 guernseysands@gmail.com www.guernseysands.org.gg Guernsey Self Store Ray Blakely space@guernseyselfstore.com

Trades 01481 723617

Education & Training 01481 720392 www.library.gg

Guille-Alles Library Laura Milligan ga@library.gg

Archive & Storage 01481 700077 www.guernseyselfstore.com

Advertising & Marketing 01481 714437 www.hamiltonbrooke.com

Hamilton Brooke Ged Kelly post@hamiltonbrooke.com

Financial Services 01481 704800 www.harbour.co.gg

Harbour Trustees Ltd Sally Wilkinson mail@harbour.co.gg

Retail 01481 723711 www.harsco.com

Harsco Infrastructure John Herbert jherbert@harsco.com

Legal Services 01481 721316 www.haskinslegal.com

Haskins Legal Felicity Haskins info@haskinslegal.com

Recruitment, HR & Payroll 01534 750106 www.hassellblampied.com

Hassell Blampied Associates Lesley Harrison enquiries@hassellblampied.com

Charity 01481 265623 www.headwayguernsey.com

Headway Guernsey LBG Philippa Stahelin fundraising@headwayguernsey.org.gg Health Information Guernsey Wendy Beaven info@healthtravel.org

Health and Beauty 01481 707470 www.healthtravel.org

Healthspan Limited Ann Outram headoffice@healthspan.co.uk

Retail 01481 711321 www.healthspan.co.uk Education and Training 07781 153202 www.heimdallrsolutionsltd.com

Heimdallr Solutions Ltd Rob Prow info@heimdallrsolutionsltd.com Henderson Green Richard Spinney richard@hgp-guernsey.com

Trades 01481 729967 www.hendersongreen.co.uk

Heritage Group Ltd Kevin Roberts info@heritage.co.gg

Financial Services 01481 716000 www.heritage.co.gg

Heritage Insurance Brokers Ltd Gordon Snell info@heritage.co.gg

Insurance Providers 01481 740000 www.heritageinsurance.gg

HFL Limited Margaret Spencer admin@hfl.co.gg

Financial Services 01481 722066 www.hfl.co.gg Retail 01481 721313 www.holeshot-fashion.com

Holeshot Ltd Marc Maubec holeshot@cwgsy.net

Financial Services 01481 717705 www.hsbc.co.uk

HSBC Bank Plc Kieran Rose kieran.s.rose@hsbc.com

Financial Services 01481 759000 www.hsbcprivatebank.com

HSBC Private Bank (CI) Ltd Ian Richardson ian.f.richardson@hsbcpb.com HSSD Occupational Health Department Emma Wood ewood@hssd.gov.gg Hunt Brewin Peter Brewin peter@huntbrewin.com

Charity 07781 467316 www.disabilityalliance.org.gg

Financial Services 01481 720071 www.guernseyfinance.com

Guernsey Finance Dominic Wheatley info@guernseyfinance.com

Guernsey Sheet Metal Co (1993) Ltd Adrian Vaudin gsmco@cwgsy.net

Distributors 01481 200700 www.electricity.gg

Guernsey Event Company Ltd, The Alex Bridle info@eventguernsey.com

Guernsey Freight Services Ltd Gary Robilliard info@guernseyfreight.com

Education & Training 01481 737500 www.guernseycollege.ac.gg

Health & Beauty 01481 707411 www.gov.gg/occupationalhealth Architects & Surveyors 01481 728236 www.huntbrewin.com

Island Marine Craft Ltd Ian Moxon islandmarine@cwgsy.net

Marine 01481 249294 www.islandmarinecraft.co.uk

i2Office Michelle Morley enquiries@i2office.co.uk

Property 01481 760001 www.i2office.gg

IAM Advisory Michael Strachan michael.strachan@iamadvisory.com

Financial Services 01481 716575 www.iamadvisory.com

Island Waste Ltd (Skips R Us/Circuit Skips/Rf Mills) Dan Hubert recycle@islandwaste.gg

Ian Brown’s Cycle Shop Ian Brown reservations@selfcatering.co.gg

Retail 01481 721581 www.selfcatering.co.gg

Islands Insurance Peter Rowe insure@islandinsurance.gg

Ideal Furnishings Ltd Steve Argo sales@idealfurnishings.co.uk Ilex Lodge Ltd Sandra Berry reservations@selfcatering.co.gg Immuno Biotech Ltd David Noakes info@gcmaf.eu Indulge Media Ltd Russell Isabelle hello@indulgemedia.com Inspired Estate Agents Chris Carr info@inspired.gg

Retail 01481 720121 www.idealfurnishings.co.uk Hotels, Guest Houses & B & Bs 01481 237491 www.selfcatering.co.gg

International Energy Group Tony Nicholls energy@i-e-g.com Intersport Guernsey Nigel Hurford intersportguernsey@newtelsurf.com Intersurgical (Guernsey) Ltd Mark Levrier mol@intersurgical.co.uk

Property 01481 726599 www.inspired.gg

Consultants 01481 242700 www.integrated-skills.com Distributors 01481 715634  www.i-e-g.com Retail 01481 200091 www.intersport.co.uk Manufacturers 01481 710767

Travel 01481 700066 www.intransit.gg

Ipes Andrew Whittaker andrew.whittaker@ipes.com

Financial Services 01481 713843 www.ipes.com

Iris and Dora Denyse McGahy studio@irisanddora.co.uk

Screenprinters 07781 464586 www.irisanddora.co.uk

Isabelle Vets Helen Dyke vets@isabellevets.co.uk

Veterinary Services 01481 723863 www.isabellevets.co.uk

Island Coachways Ltd Hannah Beacom admin@icw.gg

Travel 01481 720210 www.icw.g

Island Electrics Ltd Richard Cowling island.electrics@cwgsy.net

Trades 01481 263598

Island FM Martyn Parr info@islandfm.com Island Lock & Safe Co Guernsey Ltd Trevor Mahy enquiries@ilsg.co.uk

Shippers 01481 724059 www.sarkshippingcompany.com

Recruitment, HR & Payroll 01481 722817 www.itchyfeet.gg

Itchyfeet Recruitment Agency Jodie Baker team@itchyfeet.gg

Advertising & Marketing 01481 740073 www.indulgemedia.com

Intertrust Group Financial Services Paul Schreibke 01481 211000 guernsey@intertrustgroup.com www.intertrustgroup.com Intransit Limited Lauren Le Feuvre info@intransit.gg

Isle of Sark Shipping Company Sarah Masterton info@sarkshipping.gg

Trades 01481 235762 www.islandwaste.gg Insurance Providers 01481 710731 www.islandsinsurance.gg

Manufacturers 01481 722787 www.igcmaf.eu

Insurance Corporation of the Channel Islands Ltd Insurance Providers Glyn Smith 01481 713322 icci@insurancecorporation.com www.insurancecorporation.com Integrated Skills (Guernsey) Ltd Matthew Polson info@integrated-skills.com

Island Posture Centre Health & Safety Specialists Richie McCurdy 07781 146007 info@islandposturecentre.com www.islandposturecentre.com

Media / Advertising & Marketing 01481 242000 www.islandfm.com Security 01481 714050 www.ilsg.co.uk

Retail 01481 725991 www.jkblinds.com

JK Window Blinds Kevin Philp info@jkblinds.com JT Paul D Taylor pauldtaylor@jtglobal.com

Telecommunications 01481 888134 www.jtglobal.com

Jacksons (CI) Ltd Peter Campbell petercampbell@jacksons.gg

Motoring & Biking 01481 235441 www.jacksonsci.com

Jamie Falla Architecture Jamie Falla studio@jamiefalla.com

Architects & Surveyors 01481 728886 www.jamiefallaarchitecture.com

Johansen Executive Coaching Cato Johansen cato@johansenexecutivecoaching.com

Education & Training 01481 736215 www.johansenexecutivecoaching.com

Joy’s Production Services Ltd Peter Joy info@joys.com

K De P Glass Ltd Alan Tacon alant@kdep-glass.com Kemp Le Tissier Limited Angus Kemp info@kempletissier.com Kingdom Architects + Planners David Kingdom kingdom@kingdomarchitecture.com KPMG Channel Islands Mark Thompson mrthompson@kpmg.com

Event & Venue Services 01481 727117 www.joys.com

Manufacturing 01481 246861 Financial Services 01481 253050 www.kempletissier.com Architects & Surveyors 01481 723658 www.kindomarchitecture.com Financial Services 01481 721000 www.kpmg.com/channelislands

KRyS Global Caroline Malloy admin@krys-global.com

Financial Services 01481 711211 www.krys-global.com Financial Services 07911 728250 www.kycme.com

KYCme (Guernsey) Ltd Dominique Carpentier dominique@kycme.com

La Collinette Hotel Ltd Andrew Chambers reservations@lacollinette.com

Hotels, Guest Houses & B&Bs 01481 710331 www.lacollinette.com

La Fregate Hotel Simon Dufty enquiries@lafregatehotel.com

Hotels, Guest Houses & B&Bs 01481 724624 www.lafregatehotel.com Charity 07839 190687

La FROG Pauline Fath info@lafrog.co.uk

FROG

Promoting everything Guernsey and la France have best in common. Cultural Events / Teaching on demand / French Law course prep

*Share your knowledge *Practice your French *Develop your network

Want to receive our newsletter? email info@lafrog.co.uk La Pointe Farm Apartments Hotels, Guest Houses & B&Bs Kevin Gallichan 01481 267169 lapointefarm@guernsey.net www.lapointefarm.com La Villette Hotel & Leisure Club Graham Power reservations@lavillettehotel.co.uk

Hotels, Guest Houses & B&Bs 01481 235292 www.lavillettehotel.co.uk

Law At Work Recruitment, HR & Payroll / Health & Safety Specialists Kelly Flageul 01481 727155 admin@lawatworkci.com www.lawatworkci.com Le Coin Trophies Steven Le Prevost info@lecointrophies.co.uk

Retail 01481 713277 www.lecointrophies.co.uk

Le Friquet Garden Centre Retail James Robin 01481 259220 manager@lefriquetgardencentre.gg www.bluediamond.gg/le-friquet-garden-centre.gg Le Mont Saint Garage David Beausire dave@lemontsaint.co.uk Le Nautique Restaurant G端nter Botzenhardt lenautiquerestaurant@msn.com

Motoring & Biking 01481 264811 www.lemontsaint.co.uk Food & Drink 01481 721714 www.lenautiquerestaurant.co.uk

Le Page, Robert W. Architects & Chartered Surveyors Architects & Surveyors Robert Le Page 01481 725239 architect@rwlp.co.gg www.rwlp.co.gg Leapfrog Recruitment Consultants Chris Gnapp jobs@leapfrogjobs.com

Recruitment, HR & Payroll 01481 711188 www.leapfrogjobs.com

Learning Clubs Education and Training Carol Railton 01481 246973 c_railton@yahoo.com www.learningclubs.com Learning Company Ltd, The Kathy Tracey mail@thelearningcompany.ws Les Buttes Holiday Cottages Martin Ozanne info@lesbuttes.com

Education & Training 01481 730598 www.thelearningcompany.gg Hotels, Guest Houses & B&Bs 01481 266363 www.lesbuttes.com

Les Cocquerels Guest House Hotels, Guest Houses & B&Bs R Pipet 01481 254468 pipet.family@hotmail.co.uk www.visitguernsey.com/accommodation#2005 Les Cotils Fiona Naftel reception@lescotils.com

Event & Venue Services 01481 727793 www.lescotils.com

Les Granges de Fleurs Holiday Apartments Michael de Garis grangesdesfleurs@cwgsy.net

Hotels, Guest Houses & B&Bs 01481 256879 www.grangesdesfleurs.com

Les Merriennes Self Catering S Paine paine@cwgsy.net

Hotels, Guest Houses & B&Bs 01481 263262 www.visitguernsey.com/accomodation#2005

Les Vaugrats Campsite J Laine enquiries@vaugratcampsite.com Liberation Group, The Mark Crowther info@liberationgroup.com Liberation Management Ltd David Rowlinson info@liberation.gg Lince Salisbury Matt Godfrey mgodfrey@lince-salisbury.com Lilley and Co Ltd Trudi Lilley trudi@lilleyandco.gg Lindum Consult Andrew Morley lindumconsult@gmail.com

Leisure 01481 257468 www.vaugratcampsite.com Food & Drink 01534 764000 www.liberationgroup.com Financial Services, 01481 740145 www.liberation.gg Business Services 01481 735000 www.lince-salisbury.com Financial Services 01481 700582 www.lilleyandco.gg Architects and Surveyors 01481 264526

Links Communications Richard Bird links@guernseynet

Telecommunications 01481 248360 www.linkslocator.co.uk

Liquid Katrina Bray katrina@weareliquid.com

Advertising & Marketing 01481 728841 www.weareliquid.com

Livingroom Estate Agents Richard Hardie info@livingroom.gg Lloyds Bank International Limited Mike Starkey mike.starkey@lloydsbankinternational.com

Property 01481 233008 www.livingroom.gg Financial Services 0845 7309373 www.lloydsbankinternational.com

Logicalis Guernsey Limited Rene Brun solutions@gg.logicalis.com

IT & Computing 01481 737000 www.gg.logicalis.com

Long Port Properties Ltd Charles Billson steve.brehaut@long-port.com

Property 01481 728721 www.long-port.com

Louvre Group Derek Baudins guernsey@louvregroup.com

Financial Services 01481 727249 www.louvregroup.com

Lovell Ozanne & Partners Ltd Andrew Ozanne admin@lovellozanne.com

Architects & Surveyors 01481 235397 www.lovellozanne.com

LRD - The Big Idea Jim Delbridge jim@lrd-thebigidea.com

Advertising & Marketing 0181 750490 www.lrd-thebigidea.com

Miss Nob Ladiesâ&#x20AC;&#x2122; International Fashions Mary Le Poidevin lepoidevinlaforge@cwgsy.net

Madihan Limited Sue Guillard info@madihan.com

Financial Services 07911 717755 www.madihan.com

Mallard Cinema, The David Brown info@mallardcinema.co.uk

Leisure 01481 266366 www.themallardcomplex.com

Mappin and Webb Retail Stephanie Duskova 01481 723621 433@mwgroup.co.uk www.mappinandwebb.com/store-finder/Guernsey/433 Marine / Trades 01481 243048 www.mge.gg

Marine & General Engineers Ltd David Coleman gcc@mge.gg Marine Electronics Ltd Alan Green sales@marine-electronics.co.uk

Marine 01481 253181 www.marine-electronics.co.uk

Martel Maides Richard Fox info@martelmaides.co.uk

Property / Auctioneers 01481 713463 www.martelmaides.co.uk

Martel-Dunn Recruitment Sandra Martel-Dunn recruit@martel-dunn.com

Recruitment, HR & Payroll 01481 730565 www.martel-dunn.com Retail 01481 734444

Martin Oâ&#x20AC;&#x2122;Meara Gary Willcocks garyw@momeara.co.uk Martyn Guille Silversmiths and Fine Jewellers Martyn Guille info@channelsiandsilver.com Mauger, D. P. Electrical Contractor Dave Mauger davemauger@cwgsy.net

Retail 01481 236161 www.channelislandsilver.com

Trades 07781 165892

Mawson Collins Howard Mawson info@mawsoncollins.com

Property 01481 244244 www.mawsoncollins.com

Mayside Recycling Michael Grime info@mayside recycling.gg

Recycling 01481 247599 www.maysiderecycling.gg

Meadow Court Farm Ray Watts meadowcourtfarm@cwgsy.net

Retail 01481 236771 www.meadowcourtfarm.co.uk

Meadowcroft Limited Paul Meadowcroft mail@meadowcroft.gg

Trades 01481 727715

Medical Specialist Group Neil Robilliard info@msg.gg

Health 01481 238565 www.msg.gg

Mekad (Guernsey) Limited Dominique Carpentier info@mekad.com Mercury Distribution Ltd James Greening jgreening@mercurydistribution.com Michele Hilton Design Michele Hilton info@michelehilton.com Millard & Co Ltd Tim Millard millards@cwgsy.net Milroy Capital Ltd Robert Milroy rmilroy@milroycapital.com Mindful Guernsey Nicky Jenkins info@mindfulguernsey.com

Financial Services 07911 728250 www.mekad.com Retail 01481 721122 Home & Garden 07781 464600 www.michelehilton.com Motoring and Biking 01481 720777 www.millards.org Financial Services 01481 714942 www.milroycapital.com Education & Training 07781 130128 www.mindfulguernsey.com

Retail 01481 721800

Miton Optimal Portfolio Managment CI Limited Financial Services Mark Margetts-Smith 01481 740044 info@mitonoptimal-ci.com www.mitonoptimal-ci.com Manufacturers 01481 241024 www.monaflex.com

Monarch Vulcanising Systems Ltd Toni Elderfield info@monaflex.com

Montagu Evans Channel Islands Architects & Surveyors / Property Tony Rowbotham 01481 742280 info@montagu-evansci.com www.montagu-evansci.com Moore Stephens Lance Spurrier ms@msgsy.com

Financial Services 01481 721769 www.msguernsey.moorestephens.com

Mora Restaurant and Brasserie Andre Moreira eat@mora.gg Morgan Sharpe Administration Ltd Serena Tremlett info@morgansharpe.com Mourant Ozannes Robert Shepherd guernsey@mourantozannes.com MS & Co Martin Sandle ma@msandco.gg

Food & Drink 01481 725053 www.mora.gg Financial Services 01481 231100 www.morgansharpe.com Legal Services 01481 723466 www.mourantozannes.com Financial Services 01481 701521

MSD International Limited Business Services Simon Golland 01481 241200 info@msdinternational.com www.msdinternational.com Muse Steve Le Poidevin relax@musge.gg

N St J Paint & Son Ltd Paul Paint paint@guernsey.net Nashcopy CI Ltd Clive Le Tissier i@nashcopy.com National Trust of Guernsey, The Sarah Lampitt admin@nationaltrust.gg

Food & Drink 01481 727101 www.muse.gg

Retail 01481 721096 Business Services 01481 712808 www.nashcopy.com Charity 01481 255384 www.nationaltrust.gg

Navitaur Limited Nick Bennett info@navitaur.com

Consultants 07781 152227 www.navitaur.com

Nerine Trust Company Ltd Keith Corbin info@nerine.com

Financial Services 01481 701300 www.nerine.com

Network Insurance and Financial Planning June Goater admin@network.gg Next Generation IT Jason Connolly info@ngit.co.uk Nick Brett Property Ltd Nick Brett info@brettproperty.com

Insurance Providers 01481 701400 www.network.gg IT & Computing 01481 750750 www.ngit.co.uk Property 01481 720123 www.brettproperty.com

Insurance Providers 01481 702900 www.nordben.com

Nordben Life & Pension Insurance Sue Garrett info@nordben.com Norman Piette Ltd Tony Gallienne sales@normanpiette.com

Education & Training 01481 253953 www.normandiehs.com

Normandie Health & Safety Limited Chris Schofield info@normandiehs.com Normanor Limited Sara Harborow info@normanor.co.uk

Retail 01481 245801 www.norman-piette.com

Distributors 01481 268330 Financial Services 01481 231997 www.novagroup.com

Nova Wealth Ross Preston info@novagroup.com N. P. Holdings Limited Tony Gallienne admin@np-holdings.com

Retail 01481 244383

Â Oak Trust (Guernsey) Limited David Willis dwillis@oaktrust.co.uk

Financial Services 01481 722584 www.oaktrustgroup.com Business Services 01481 244048 www.ocs-ci.com

OCS One Complete Solution Ltd Mike de Laune guernsey@ocs.co.uk

Financial Services 01481 743600 www.ci.odeywealth.com

Odey Wealth Management (CI) Limited Sarah Thomson-Kennedy info@odeywealth.com

Business Services 01481 234490

Office Projects Tony Veron tonyveron@officeprojects.gg Offshore Business Focused Solutions Limited Sean Conlan sean.conlan@obfsl.com

Consultants 07781 105494 Business Services 01481 722992 www.osggroup.co

OSG Group.Co Iain Whitchurch iain@osggroup.co

Financial Services / Education & Training 01481 736040 www.offshore.gg

Offshore Electronics Ltd Steve Marshall steve.marshall@offshore-electronics.co.uk Offshore Payroll Ltd Gary Hill gary@offshorepayroll.com Ogier Legal Claire Long legal@ogier.com Old Government House Hotel & Spa, The Tracey Oâ&#x20AC;&#x2122;Neill toneill@rchmail.com

Manufacturers 01481 712721 www.offshore-electronics.co.uk Business Services 01481 728334 www.offshorepayroll.com Legal Services 01481 721672 www.ogier.com Hotels, Guest Houses & B&Bs 01481 724921 www.theoghhotel.com

Opus Private Limited Financial Services Shane Giles 01481 754700 guernsey@opusprivate.com www.opusprivate.com

Orangefield Legis Fund Services Limited Stuart Plattransom stuart.plattransom@legisgroup.com

Financial Services 01481 726034 wwwlegisgroup.com

Orchard PR Steve Falla info@orchardpr.com

PR 01481 251251 www.orchardpr.com Insurance Providers 01481 728864 www.orion-insurance.co.uk

Orion Insurance Management Ltd Janet Le Poidevin jan@orion-insurance.co.uk OSA Recruitment Nick Graham mynewjob@osa.gg

Recruitment, HR & Payroll 01481 712891 www.osa.gg

Ounsworth Decor Ltd Mac Gallienne ounsworth@cwgsy.net

Trades 01481 266194 www.ousworthdecor.com Leisure 07781 130403 www.outdoorguernsey.co.uk

Outdoor Guernsey Limited Ant Ford Parker bookings@outdoorguernsey.co.uk

Offshore Will Morgan info@offshore.gg

Optimus Group Limited Consultants Peter Mills 01481 755690 info@optimusgrouplimited.com www.optimusgrouplimited.com

Hotels, Guest Houses & B&Bs 01481 720971 www.pandorahotel.co.uk

Pandora Hotel C Ryan pandora@cwgsy.net

Retail 01481 712877

Paper Box, The Phillip Morgan pdamorgan@cwgsy.net

Financial Services 01481 729002 www.parish-group.com

Parish Group Ltd Arran Grisley info@parish-group.com

Partners Group (Guernsey) Ltd Financial Services Daniel Stopher 01481 711690 daniel.stopher@partnersgroup.com www.partnersgroup.com

Paul Davis Freight Services Ltd Nigel Dutson nigel.dutson@pdfs.com

Financial Services 01481 724966

Perkins Chartered Certified Accountants R Laurent perkins@guernsey.net Personnel Appointments Chris Blin recruit@pa.gg Pet Technology Store Ltd Helen Chamberlain sales@pettechnologystore.com PJWD.Net Paul J Ninnim enquiries@pjwd.net Placing People 1st Lynda Sims jobs@placingpeople1st.co.uk Polar Instruments Ltd Nigel Mann mail@polarinstruments.com Polygon Group Limited Amanda Groves info@polygon.co.gg

Distributors 01481 244153 www.pdfs.com

Recruitment, HR & Payroll 01481 723221 www.pa.gg Retail 01481 266066 www.pettechnologystore.com Advertising & Marketing 01481 230966 www.pjwd.net Recruitment, HR & Payroll 01481 736444 www.1strecruit.co.uk Manufacturers 01481 253051 www.polarinstruments.com Financial Services 01481 716000 www.polygon.co.gg

Business Services 01481 244718 www.posinteriors.com

POS Interiors David Inglis sales@posinteriors.com

Potting Shed, The Advertising & Marketing Jay Aylmer 01481 727699 gsy@thepottingshed.com www.thepottingsheddesign.com Distributors 01481 242311 www.precisionplastics.co.je

Precision Plastics Kevin Brown sales@precisionplastics.co.gg

Financial Services 01481 715669 www.pricebailey.gg

Price Bailey Limited Kirsty Warner guernsey@pricebailey.gg Prime Practice Nick Guillemette nicklg@cwgsy.net

Business Services 07781 156118 www.primepracticeguernsey.co.uk Printers 01481 259188 www.printedinguernsey.gg

Printed in Guernsey Rob Plampton theteam@printed.gg

Project Hire & Sale (Guernsey) Ltd Tony Gallienne enquiries@project.gg

Prospero Facilities Services Paul Clark info@prospero.gg Profile Event Management Michele Butters michele@profileevent.co.gg PwC John Roche john.roche@gg.pwc.com

Retail 01481 242047 www.project.gg Business Services 01481 723000 wwwprospero.gg Event & Venue Services 01481 740843 www.profile.co.gg Financial Services 01481 752000 www.pwc.com

Motoring & Biking 01481 244551 www.rabeys.com

Rabeys Group Ltd Gary Rouget sales@rabeys.com

Financial Services 01481 729100 www.ravenscroft.gg

Ravenscroft Ltd Simon Melling info@ravenscroft.gg Ray & Scott Ltd Jeff Fox ray.scott@cwgsy.net

Retail 01481 249544 www.regencybedding.co.uk

Regency Bedding Ltd Ben Swan sales@regencybedding.co.uk

IT & Computing 01481 267338 www.resolution-it.co.uk

Resolution IT Olly Duquemin info@resolution-it.co.uk Richard Stapley Ltd Chartered Accountants Richard Stapley rs@richardstapley.com

Financial Services 01481 267460 www.richardstapley.com

Rock & Small Ltd Matt Collas info@rockandsmall.com

Advertising & Marketing 01481 724705 www.rockandsmall.com Property 01481 728559 www.rockcommercial.co.uk

Rock Commercial Peter Van de Velde peter@rockcommercial.co.uk

Food & Drink 01481 232501 www.rocquettecider.com

Rocquette Cider Company Ltd James Meller james@rocquettecider.com Ronez Ltd Steve Roussel steve.roussel@aggregate.com

Trades 01481 256426 www.aggregate.com/our-businesses/ronez

R.A. Rossborough (Guernsey) Ltd Ian Stewart gsy@rossboroughgroup.co.uk

Q Quantum Cabling Installations Ltd Mark Addlesee support@quantum.gg Quantum Med Marine Ltd Nick Piper npiper@quantum-medmarine.com Quintessential Relocation Consultants Jo Stoddart info@qrcci.com

Business Services 01481 263224 www.quantum.gg Marine 01481 715399 www.quantum-medmarine.com Consultants 01481 257200 www.qrcci.com

RG Falla Ltd Peter Gregory enquiries@rgfalla.gg

Trades 01481 256585 www.rgfalla.gg

RW Randall Ltd Jayne Langlois tours@rwrandall.co.uk

Food & Drink 01481 720134 www.randallsbrewery.com

Retail 01481 244610 www.rayandscott.com

Insurance Providers 01481 241555 www.rossborough.co.uk

Ross Gower Group Dean de la Rue info@rossgower.com

Insurance Providers 01481 722222 www.rossgower.com

Rothschild David Oxburgh marketing@rothschild.com

Financial Services 01481 713713 www.rothschild.com

Rotorswing UK Ltd Nick Piper nick@rotorswing.co.uk Royal Bank of Canada (C.I.) Ltd Lindsay Ozanne lindsay.ozanne@rbc.com

Marine 01481 726267 www.rotorswing.co.uk Financial Services 01481 744041 www.rbcwminternational.com

Royal Bank Of Scotland International Financial Services Robert Girard 01481 703873 robert.girard@rbsint.com www.rbsinternational.com Royal London Asset Management C.I. Ltd Pierre Paul info@rlam.co.gg

Financial Services 01481 711261 www.rlam.com

Safehaven International Ltd Financial Services Richard Bach 01481 723925 marine@safehaveninternational.com www.safehaveninternational.com Saffery Champness Jeremy Ellis info@saffery.com

Financial Services 1481 721374 www.saffery.gg

Retail 01481 727616 www.samuelpepys.com

Samuel Pepys David Whitby info@samuelpepys.com

Skill Set CI Limited Sharon Alvarez sharon@skillsetci.com

Education & Training / Leisure 01481 735440 www.skillsetci.com Financial Services 01481 727374 www.skiptoninternational.com

Sancus (Guernsey) Limited David Purdy info@sancuslimited.com

Financial Services 01481 810188 www.sandpiperci.com

Skipton International Jim Coupe info@skiptoninternational.com

Sandpiper CI Tony O’Neill tonyoneill@sandpiperci.com

Retail 01534 508416 www.sandpiperci.com

Smart Office Richard Lowe hello@smart-office.co.uk

Property 01481 832704

Sark Estate Management Dawn Manger kevin.delaney@sarkestatemanagment.com

Insurance Providers 01481 737414 www.sapphire.gg

Sapphire Underwriters Nigel Brand nigel.brand@sapphire.gg

Business Services 01481 740366 www.smart-office.co.uk Sign Makers 01481 247749 www.smithsigns.co.uk

Smith Signs Ltd Dan Smith enquiries@smithsigns.co.uk

IT & Computing 07781 122449 www.sofsync.co.uk

Sofsync Ltd Susan Watson swatson@sofsync.co.uk

Sarnia Estate Agents Ltd Alex Ford enquiries@sarniaestateagents.com

Property 01481 727989 www.sarniaestateagents.com

Sommelier Wine Company Ltd Richard Allisette som.grapevine@cwgsy.net

Sarnia Hotels Ltd Karel Harris karel@mooresguernsey.com

Hotels Guest Houses & B&Bs 01481 724452 www.sarniahotels.com

SOUP Architects Ltd Architects & Surveyors Max Babbe 07781 147667 studio@souparchitects.com www.souparchitects.com

Financial Services 01481 728444 www.smcl.co.gg

Sarnia Management Corporation Limited Andre Stefani sarnia@smcl.co.gg Sarnia Mutual Ltd Vernon Etherington enquiries@sarniamutual.com

Financial Services 01481 723501 www.sarniamutual.com

Sarnia Roofing Ltd Andy Gavey info@sarnianroofing.com

Trades 01481 715475 www.sarnianroofing.com

Sausmarez Manor Peter De Sausmarez sausmarezmanor@cwgsy.net

Leisure 01481 235571 www.sausmarezmanor.co.uk

Save The Date Event and Venue Services Annette Gent 07781 113394 info@savethedate.gg www.savethedate.gg Retail 01481 242100 www.scopefurnishing.co.uk

Scope Furnishing Ltd Tony Bourgaize sales@scopefurnishing.co.uk

Home & Garden / Retail 01481 248567 www.sensible.gg

Sensible Technology Limited Matt Guille matt@sensible.gg

Food & Drink 01481 721677

Recruitment, HR & Payroll 01481 701616 www.source.gg

Source Recruitment Specialists Julia Martin hello@source.gg

Sovereign Trust Channel Islands Limited Financial Services Stephen Hare 01481 729965 ci@sovereigngroup.com www.sovereigngroup.com Retail 01481 245124 www.scs-global.com

Specialist Construction Supplies Ltd Simon Kerin simon@scs-global.com Specsavers Optical Group Dame Mary Perkins debbie.torode@gg.specsavers.com

Retail 01481 232458 www.specsavers.com

Specsavers Opticians Chris Goldsborough dir.guernsey@st.uk.specsavers.com

Health & Beauty 01481 723530 www.specsavers.com

SPF Private Clients (Channel Islands) Ltd Pierre Blampied pblampied@spf.gg

IFA 01481 715234 www.spf.gg

St Emilion Restaurant Andy Heaume andy.heaume@cihospitality.com

Food & Drink 01481 726059

St George’s Hotels, Guest Houses & B&Bs Davina Sweet 01481 721027 stgeorges@suremail.gg www.stgeorges-guernsey.com Education & Training 01481 247979 www.training.ambulance.org.gg

St John Training Services Guernsey Steve Ford firstaidtraining@cwgsy.net

Braye Road, Vale Guernsey GY3 5PA

T: +44 (0)1481 248 567 E: sales@sensible.gg

sensible.gg

SG Hambros Bank & Trust (Channel Islands) Limited Financial Services Bruce Duckworth 01481 704321 bruce.duckworth@sghambros.com www.privatebanking.societegenerale.co.uk Sidlocks Roy Kilpatrick sales@sidlocks.com Sigma Robert Sillars robert.sillars@sigmaci.com Simon Larbalestier Opticians Simon Larbalestier simonlarbalestier@cwgsy.net

Situations Recruitment Agency Limited Melissa Campbell team@situations.gg

Retail 01481 713883 www.sidlocks.com

Business Services 01481 241111 www.sigmaci.com Health & Beauty 01481 710781

Recruitment, HR & Payroll 01481 710639 www.situations.gg

St Pierre Park Hotel & Golf Resort Dina Le Lacheur sales.stpierrepark@handpicked.co.uk

Hotels, Guernsey Houses & B&Bs 01481 728282 www.stpierrepark.co.uk

St Sampson’s Constable & Douzaine Parish Authority The Constables 01481 244130 stsampsonscontables@gov.gg Stan Brouard Group Bridget Foss info@stanbrouard.com

Retail 01481 252521 www.sbpi.co.uk

Standard Chartered Trust (Guernsey) Limited Trevor Kelham trevor.kelham@sc.com

Financial Services 01481 721787 www.sc.com/gg

Startup Guernsey Tony Brassell info@startup.gg

Advisory Services 01481 710043 www.startup.gg

State Street Alternative Investments Solutions (Guernsey Financial Services Gerald Hough 01481 734700 ghough@statestreet.com www.statestreet.com/ci/en Steve Ferbrache & Co Ltd Steven Ferbrache steveferbrache@cwgsy.net

Trades 07781 100685

Business Services 07781 413083

Stopcost Ltd David Holt admin@stopcost.com

Business Services 01481 737044 www.stylegroupguernsey.com

Style Office Paul Watson office@stylegroupguernsey.com

Sueco The Food Co Food & Drink Sue Wilson 01481 720969 team@sueco.gg www.sueco.gg Marine 01481 722161 www.sunyachts.co.uk

Sun Yachts Simon Hughes simon@sunyachts.co.uk

Sure Telecommunications Jessica Bisson 01481 700700 contact@sure.com www.sure.com

Travel Counsellors - Vaughan Davies Travel Vaughan Davies 01481 726837 vaughan.davies@travelcounsellors.com www.travelcounsellors.com/vaughan.davies Travel Solutions Fred Eulenkamp guernsey@travelsolutions.uk.com Trinity Trust Company Limited Keith Le Poidevin info@trinitytrust.co.uk

Retail 01481 721928 www.targetautoparts.co.uk

Target Auto Parts Ltd Martyn Le Vallee target@cwgsy.net

Food & Drink 01481 264516 www.tasteofindiaci.com

Taste Of India Restaurant, The Tony Fernandes joyce@cwgsy.net

Technical Field Services International Ltd Recruitment, HR & Payroll Gail Batiste 01481 729298 tfsi@cwgsy.net www.tfsi-ltd.com Tiara Software Consultants Ltd IT & Computing Tim Rawles 01481 700616 contact@tiara-ci.com www.tiara-ci.com Town Centre Partnership Ltd Charity Jack Honeybill 07781 113464 jackhoneybill@hotmail.com www.towncentrepartnership.com Advertising & Marketing 01481 700070 www.tpagency.com

TPA Ltd Tony Tostevin info@tpagency.com

Travel 01481 728121 www.trafalgarleisure.com

Trafalgar Travel Ltd Suzanne Rouxel info@trafalgarleisure.com Travel Counsellors - Chris Roberts Chris Roberts chris.roberts@travelcounsellors.com

Travel 01481 712549 www.travelcounsellors.com/chris.roberts

Financial Services 01481 727429 www.trinitytrust.co.uk Retail 01481 245363

Troalic A J & Sons Ltd Andrew Troalic ajtroalics@cwgsy.net Trust Corporation of the Channel Islands Limited Ken Wrigley ken.wrigley@trustcorpci.com

Swallow Apartments Hotels, Guest Houses & B & Bs TT Software Limited Mark Hesse 01481 249633 Tony Trenker swallowapt@aol.com admin@ttsoftware.gg Swoffers Limited Property TTC Travel Group Limited Andre Austin 01481 711766 Michael Page sales@swoffers.co.uk www.swoffers.co.uk michael.page@bookttcuk.com Sydney Charles Group Insurance Providers Tyrrell Dowinton Associates Ltd Philip Lepp 01481 739970 Paul Dowinton info@sydneycharles.co.uk www.sydneycharles.co.uk mail@tda.gg

Travel 01481 715145 www.travelsolutions.uk.comâ&#x20AC;Š

Financial Services 01481 730430 www.trustcorpci.com IT & Computing 01481 700202 www.ttsoftware.gg Travel 01481 754771 www.thetravelcorporation.com Architects & Surveyors 01481 259959 www.tda.gg

U Urban Kitchen Neil Darby enquiries@urbankitchen.co.gg

Food & Drink 01481 736366 www.urbankitchen.gg

Valhalla Industries Limited Design Jeff Whittaker Xk120@cwgsy.net Valley Computer Services Ltd Gordon Dutton-Queripel sales@valley-computers.co.uk Vantage Marketing Limited Verienne Belcher verienne.belcher@vantage.gg

Property 01481 263548 IT & Computing 01481 239460 www.valley-computers.co.uk Advertising & Marketing 01481 700660 www.vantage-marketing.co

Niche marketing bureau

delivering brand solutions, web & print design and event management all under one roof. www.vantage-marketing.co

Vaudin Stonemasons Ltd Trades Lance Vaudin 01481 248316 vaudinstone@cwgsy.net www.vaudinstone.com Vazon Energy Elizaeth Landles vazon@vazon.gg

Vazon PR & Events (Metasis Ltd) Fleur Curzon fleur.curzon@vazon.co.uk

Consultants 01481 729881 Event & Venue Services 01481 722424 www.vazon.co.uk

Victoria Fine Jewellery Retail Victoria Brazier-Creagh 01481 740050 victoria@victoriafinejewellery.co.uk Vision Networks Ltd Bill Mead sales@cctv.gg Vortex Public Relations Nigel Robson nigel@vortexpr.com

Waitrose Guernsey Ian Burdekin manageradmiralpark@waitrose.co.uk Watts & Co Limited Jo Watts info@wattsandco.co Weighbridge Trust Ltd Du Preez Vermeulen admin@weighbridge-trust.co.uk White & Company Steve Hammer guernsey.hq@whiteandcompany.co.uk

Security 01481 255414 www.cctv.gg PR / Media 01481 233080 www.vortexpr.com

Retail 01481 729222 www.waitrose.com Property 01481 740071 www.wattsandco.co Financial Services 01481 720581 www.weighbridge-trust.com Removals 01481 736868 www.whiteandcompany.co.uk

White House Hotel Hotels, Guest Houses & B&Bs Jonathan Watson 01481 722377 hotel@herm-island.com www.herm-island.com White Rock Brewery Ross Gledhill enquiries@whiterockbrewery.gg Willis Management (Guernsey) Ltd Martin Best bestm@willis.com

Food & Drink 01481 249920 www.whiterockbrewery.gg Consultants 01481 720049 www.willis.com

Window Service Centre Manufacturers Mark De la Rue 01481 248743 wsc.ltd@cwgsy.net www.windowservicecentre.com World Travel Ken Baker ken@worldtravel.gg

Travel 01481 252211 www.worldtravel.gg

WT Partnership (Guernsey) Ltd Architects & Surveyors Nigel Carter 01481 723163 guernsey@wtpartnership.com www.wtpartnership.com

X-Ware Ltd, T/A JCS Barry Pitfield info@talkjcs.com

IT & Computing 08450 049 599 www.talkjcs.com

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on y e b d an

Meet us for a coffee and chat.

communications

Call us on 01481 715222

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Parkway House Guelles Lane St Peter Port Guernsey GY1 2DD

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