Contact Jul / Aug 16 by Contact

G U E R N S E Y ’ S

B U S I N E S S

M A G A Z I N E

July / Aug 2016

Sarah McGreevy

Maximising return on States’ assets ECONOMIC DEVELOPMENT

FITTING THE JIGSAW PIECES TOGETHER

DON’T PANIC

Interviews with the president of the Committee for Economic Development and the MD of the new Trading Supervisory Board

We hear from Guernsey Harbours’ director on the diverse areas of responsibility that fall within her remit and the benefits to be gained when they are all aligned

Some thoughts from a few of Guernsey’s business and political leaders immediately after the historic BREXIT vote

Property law advice in Guernsey.

Martyn Baudains Partner 01481 752217 martyn.baudains@ogier.com

Claire Smith

Timely, commercial and pro-active: Ogier’s experienced property, planning and construction law team in Guernsey can help whether you’re buying, selling or investing in property.

ogierproperty.com

Senior Associate 01481 752280 claire.smith@ogier.com

Alison Ricketts Senior Conveyancer 01481 752216 alison.ricketts@ogier.com

Property Law Redwood House, St Julian’s Avenue, St Peter Port, Guernsey GY1 1WA. Telephone 01481 721672

www.ngit.co.uk

‘Being consultants to the finance industry means our staff frequently work remotely from clients’ offices.

Using Office Anywhere through NGIT’s system enables them to have full access at their fingertips and work as if sitting at their own desks. This allows us to maintain high levels of productivity and efficiently support our clients.’ GRAHAM BASHAM DEPUTY GROUP MANAGING DIRECTOR, ACTIVE GROUP

Next Generation IT strives to exceed expectations by combining old-fashioned customer care with up to the minute IT solutions. We are committed to provide a dynamic and professional service backed by a wealth of experience. It’s our commitment to our customers that makes us who we are. For more testimonials and information go to www.ngit.co.uk

What does your business want from an IT provider?

✓ Outstanding expertise ✓ Personal and friendly service ✓ Proven track record ✓ Responsiveness For jargon-free expertise from a proven and personable team contact Next Generation IT on 01481 750750 or email info@ngit.co.uk

Hello from your new president Introduction Having served as vice president over the past year, I am delighted to have recently been elected as president of the Guernsey Chamber of Commerce. I would like to thank the outgoing president Tony Rowbotham for all his efforts and steady hand on the tiller over the past two years. It has been a year of change - with a new government structure, and a number of new deputies elected to each of the committees. One of the first objectives of the new government is to set a long-term strategy for the island, broadly a ‘vision’, which we fully support and endorse. A vision isn’t just a few words, it is a blueprint for the delivery of long-term growth and inward investment into our island. From the perspective of chamber, we want to ensure that a vision for Guernsey is broad, representative of our entrepreneurial heritage, and highlights our skills and values. I look forward to working with our members to make sure we all have a voice in the future of the island. Aims One of my aims for this term is to increase engagement with our members and to do more to promote chamber as a vibrant community for members to meet, interact and transact. Similarly, I am keen to work with our members to create opportunities that will showcase our talents and capabilities on a wider stage. I feel sure that there are many ideas for both business and tourism that will further strengthen and diversify our economy. With the development and diversification of industries, it would be fantastic to see more individuals engaging with business both locally and globally - and for Guernsey to develop its niche, innovative sectors.

Brexit Turning to world politics, The ‘Brexit’ question has just been answered with an ‘out’ vote. The markets have reacted swiftly to this news, with a sharp devaluation of sterling and volatility in the UK, European and Asian stockmarkets. As a third country (neither part of the UK nor part of the EU), Guernsey is developing a plan to replace its Protocol 3 trading relationship with the UK/EU. The Channel Islands will also need to work closely with the UK government to ensure that everyone’s interests are aligned and protected in negotiations with Europe. There are opportunities for small, agile communities to succeed in the resulting variations of political, economic and social union. Guernsey should capitalise on its strong links with the Commonwealth countries and promote its independence, impartiality and substance. Guernsey’s unique position There was speculation in the media as to whether the UK would undergo a ‘Guernsification’ if the UK voted to leave the EU. Guernsey is a unique island - the size of a small market town, yet a robust economy, with one of the highest rates of GDP per capita and one of the lowest rates of unemployment in Europe. It is small, adaptive to change, and historically this has helped the island reinvent itself several times from a centre for privateering, to a centre of horticulture to a centre of finance. Guernsey has an abundance of talented individuals who have the ability to build businesses that can be exported around the world. As the financial crisis in 2008 suggested, it is not necessarily the largest that survive, but those who have the ability to adapt to change the fastest. Martyn Dorey

Editor Trish Grover editor@collaboratecommunications.com Advertising sales Julie Todd sales@collaboratecommunications.com Design & production Mojoe joe@mojoecreative.co.uk Contact is produced six times a year by Collaborate Communications Ltd. To receive Contact magazine call Julie Todd on: 01481 715 222 or email: sales@collaboratecommunications.com www.facebook.com/ContactmagazineGuernsey @collaborateCI

communications

Contact is published by Collaborate Communications Ltd. Copyright 2016. All rights reserved. Any reproduction without permission is prohibited. Contact contains editorial content from external contributors which does not necessarily reflect the views of the publishers. Contact does not accept or respond to unsolicited manuscripts and photographs. The publishers do not accept responsibility for errors in advertisements or third party offers.

www.guernseychamber.com office@guernseychamber.com president@guernseychamber.com 01481 727 483

Suite 1 16 Glategny Esplanade St Peter Port Guernsey GY1 1WN @GuernseyChamber GuernseyChamber

FE AT U R ES

10 17 22 48

Brexit

Some thoughts from Guernsey’s business and political leaders

Sarah McGreevy

Maximising return on States’ assets

Viewpoint Richard Digard

All in a day’s work With Moldovan artist Eugen Gorean

Contributors

Contents

Trish Grover writer Richard Digard writer Gemma Long writer

4 Guernsey business news

John O’Neill photographer Chris George photographer

17 Sarah McGreevy

10 Brexit 12 Chamber news 22 Viewpoint 39 Guernsey’s economic development 48 All in a day’s work

GUERNSEY BUSINESS NEWS

Islands Insurance sets the standard for service Islands Insurance has been recognised for its commitment to quality customer service by achieving the Customer Service Excellence® standard. It is one of only three businesses in the Channel Islands to receive this award, which requires organisations to demonstrate an ongoing commitment to service delivery by placing the customer at the heart of everything they do. In order to meet the requirements for Customer Service Excellence, Islands was assessed on a range of criteria, with a particular focus on those areas which research has indicated are a priority for

Carey Olsen accredited Platinum Employer Partner 4

customers, such as the timeliness and quality of service, the accessibility and accuracy of information, and the attitude and professionalism of its staff. There is also an emphasis on developing customer insight, understanding the user’s experience, and robust measurement of service satisfaction. Jackie Barette of People Performance Consulting, the Channel Islands delivery partner for Customer Service Excellence, said it provided a practical quality assurance framework for driving forward customerfocused change and was designed to operate on three levels: as a driver of continuous improvement; as a skills development tool for the organisation; and as an independent validation of achievement. ‘The focus is very much on the customer journey, but companies are assessed across all aspects of their operation, from the

training they provide, and the policies and procedures they adhere to, to the controls they have in place and the way they manage risk. In a way, it’s a bit like a Michelin-star system for businesses, as they have to demonstrate high standards of customer service and are subject to continual assessment.’ she added. Islands director Shirley Lester, who headed up the in-house team responsible for implementing the requirements of Customer Service Excellence, said the company prided itself both on the accessibility of its people and the quality of its products and services, but was always looking at ways to improve. ‘Naturally, we’re delighted to be the first insurance business in the Channel Islands to meet the Customer Service Excellence standard, and it’s a tribute to the calibre, commitment and professionalism of our staff that we have achieved this accolade.’

The Carey Olsen Channel Islands trusts and private wealth practice has been accredited as a Platinum Employer Partner by The Society of Trust and Estate Practitioners (STEP).

Carey Olsen STEP members Nina Silva and Victoria Grogan took part in the interview process and worked together with Laila Arstall and Gillian Gorvel on Carey Olsen’s successful submission.

The Employer Training Scheme (ETS) was launched by STEP last year and has been designed to help employers plan and deliver the best possible training experience for their STEP students based on best practice, education and professional support. Carey Olsen was invited to participate in the pilot scheme, which was then rolled out to the trusts industry in April. The accreditation achieved is the highest grading that can be awarded under the scheme and Carey Olsen is the only Channel Island law firm to be accredited Platinum Partner status.

Jenni Hutchinson, head of employer partnerships at STEP presented the certificate to Russell Clark, who heads up the Carey Olsen trusts team in Guernsey. Russell said: ‘Taking part in this STEP initiative has been a very worthwhile exercise. We are always keen to enhance our training programmes and invest in the development of our staff and we are delighted to have achieved the highest accreditation available.’

G U E RN S E Y B U S IN E S S N EWS promoters and sponsors in harnessing our experience and expertise in the funds arena. New schemes, launched in the first quarter of 2016 and the fourth quarter of 2015 and including those migrating to Guernsey such as VinaCapital and SafeCharge, certainly underline the market’s confidence in Guernsey as a jurisdiction.’

First quarter growth for funds and CISE listings The total value of funds business in Guernsey grew by £10.4 billion (4.6%) during the first quarter of the year. New figures from the Guernsey Financial Services Commission (GFSC) show that, at the end of March 2016, the net asset value of all funds under management and administration in the island stood at £238 billion – an increase of £15.8 billion (7.1%) on the same point in 2015. ‘It is encouraging that our funds business remains robust in difficult trading conditions. The latest figures mark the third consecutive quarter that we have seen an overall increase in the value of funds under management. I am particularly pleased to see a return to positive growth in the open-ended funds sector,’ said Guernsey Finance chief executive Dominic Wheatley. ‘Guernsey practitioners are certainly reporting a great deal of interest from

The main reason for the latest growth was the value of Guernsey closed-ended funds increasing by £9 billion (6.4%) to £149.6 billion during the first quarter. This represents an increase of £14.7 billion (10.9%) for the year since March 2015. The Guernsey open-ended funds sector also saw an increase. At the end of March 2016, the sector had increased in value by £1.4 billion (3.6%) to £40.4 billion during the first quarter. This represents a decrease of £0.7 billion (-1.7%) on the same point in 2015. Non-Guernsey schemes – open-ended funds that are not domiciled in Guernsey but have some aspect of their management, administration or custody carried out in the island – remain at £48 billion. This marked an increase of £1.8 billion (4.6%) for the year to the end of March 2016. The Channel Islands Securities Exchange has also seen further growth in new business and been named as the leading offshore stock exchange by a trade publication. There were 104 new listings on the CISE during the first quarter of the year, which was a rise of 13% on the same period last year. The market capitalisation of all listings on the exchange grew by 3% during the first three months of the year to reach £367 billion at the end of March.

acquire UK-based Coram Asset Management Limited.

MitonOptimal to acquire Coram Asset Management

The acquisition of the UK fund management company that was co-founded by the late Martin Gray is subject to FCA regulatory approval and will reunite the Coram team with former colleagues at MitonOptimal, in a relationship that dates back more than a decade. Coram has been the manager of MitonOptimal’s Offshore Special Situations Fund since December 2014 and prior to Coram’s formation, James Sullivan co-managed the fund, alongside Martin Gray, at Miton plc.

MitonOptimal International, the Guernsey-headquartered discretionary fund management company, is to

‘Martin Gray’s influence at Coram Asset Management as a co-founder, fund manager and shareholder was significant

In addition, the CISE has been named Best Independent Stock Exchange by Acquisition International. The accolade was part of the publication’s Offshore Excellence Awards 2016. The CISE’s submission for the award included its growth in new business last year, the role its equity and debt listings play in facilitating acquisition activity and the introduction of new rules for Special Purpose Acquisition Companies (SPACs) in November 2015. Fiona Le Poidevin, CEO of the CISE, said: ‘We’re really pleased to have received this recognition, which comes after a successful 2015 and a very positive start to 2016 where new business is up 13% compared to a year ago. We are continuing to see increased diversification within our new business as a growing number of companies with equity quoted on the markets of the London Stock Exchange choose to list convertible bonds on the CISE due to our convenient and cost effective offering. ‘We are also seeing greater interest from Guernsey and Jersey domiciled investment vehicles wishing to utilise a CISE listing to add substance to their local arrangements as well as more enquiries into niche products, such as Insurance Linked Securities (ILS) and Islamic finance. ‘There has also been greater diversification in the geographical origin of our business, with an increasing proportion of our new listings coming from further afield. We are expecting that to continue as we raise the profile and visibility of our offering globally.’

and his passing marked an inflection point in our business model which led us to explore a number of options available to us,’ said James Sullivan, Coram co-founder and fund manager. ‘We believe that this deal meets the long-term interests of the investors within the funds managed by Coram and we are delighted to be working with the MitonOptimal team again, cementing a relationship that goes back over many years. ‘The company has close to half a billion pounds in assets under management and the balance sheet strength that allows Coram to implement its strategy at a pace that exceeds original expectations.’

G U ER NS EY BUSINE SS NE WS

Alderney recognised for its conservation project A project of global importance has been awarded the top prize in this year’s Insurance Corporation Conservation Awards. Alderney Wildlife Trust will receive £1,500 to put towards its TAG project which will track the island’s gannet population, using electronic tags. With 2% of the world’s gannets nesting off the shores of the island the data gathered will be of significant interest to the scientific community.

Joint runners up were the Princess Elizabeth Hospital Orchard Project, which aims to create a calm and ‘fruitful’ area for use by staff and patients in the grounds of the hospital, and David and Dorothy Le Conte at Belle Etoile for their natural conservation area that has attracted a huge variety of wildlife. The Manpower Award was presented to John and Anthea Toynton of La Rocque Balan Farm. Staff from Insurance Corporation will spend a day at the farm under the direction of Vanessa Crispini-Adams – one of the judges – to continue the work on the converted vinery site to a wild meadow and woodland. The Young Conservationists Award went to St Martin’s Primary School Gardening Club who

PIB Insurance acquires Channel Insurance Brokers PIB Insurance has bought Channel Insurance Brokers (CIB) in a deal which sees one of the fastest growing insurance brokers in the UK launch into the Channel Islands. Stephen Llewellyn-Jones has been appointed as CIB’s CEO and will lead a dedicated team of insurance professionals alongside CIB’s executive directors Bob Marquis, Alex Lindsay, Jon Barrett and Jan Pearce. CIB has provided insurance services in the islands for more than 30 years and is one of the leading brokers with a broad portfolio of clients across Guernsey, Alderney, Jersey and Sark for commercial and private

will receive funding to purchase a composter. Voted by islanders through the Insurance Corporation website, the Peter Walpole People’s Choice Award, a £500 prize, went to the GSPCA and St Andrew’s Floral Group for its project to enhance the grounds and attract more wildlife, while also providing a green outlook for the animals in their care. A record number of votes were received. Insurance Corporation general manager, Mandy Hunt said: ‘We thought last year the judges had a tough task in choosing winners, this year was even more difficult but it is so good to get out into the community and meet people doing their utmost to enhance the natural environment in so many different ways. Congratulations to all the entrants and especially our winners.’

customers. Stephen has spent the last 14 years managing a specialist health insurance brokerage - growing the business from a small, locally-based proposition to a multimillion gross premium company. He has a proven strong track record of enhancing businesses delivering insurance solutions to a broad range of clients and has worked across the UK, Channel Islands and for a number of international companies. ‘This is an exciting time for the business. PIB’s investment will allow us to continue building on the strong foundations CIB has established. Our aim is to provide a viable alternative in the Channel Islands providing competitive rates backed by a team of unrivalled experts,’ he said. CIB is the third acquisition made by PIB following its purchase of Fish Insurance and Cooke & Mason finalised last month; the Carlyle Group acquired a significant equity stake in PIB which has allowed it to accelerate its growth across the UK.

G U E RN S E Y B U S IN E S S N EWS

The CISE is the parent company of the group which owns and operates the exchange. It has been admitted to the official list of the exchange operated by its wholly owned subsidiary, the Channel Islands Securities Exchange Authority Limited (CISEA). The company has not raised any additional capital but has been admitted by way of introduction of the existing 2,461,000 ordinary shares. Jon Moulton, chairman of the CISE, said:

CISE lists on its own exchange The Channel Islands Securities Exchange Limited (CISE) has set an example for other companies to follow by listing on its own Exchange.

Clarus Risk receives fintech accreditation for risk management solutions Clarus Risk, a leading provider of financial risk management solutions, has been awarded the GoodAccredited Standard 2016 by Goodacre UK.

‘By listing its shares, the company is demonstrating to shareholders and any future investor that it is willing to follow the listing Rules of CISEA and adhere to its own required standards of transparency and governance.

listing may also provide enhanced liquidity, enabling shareholders to join in our success and with the ability to crystallise the value of their investment at a point in the future.’ Following admission, the company’s shares may be traded through the Trading Members of the Exchange; in particular, Ravenscroft Limited and Canaccord Genuity Wealth (International) Limited have indicated that they will facilitate such trades. Fiona Le Poidevin, chief executive of the CISE, said: ‘I am delighted that the company has listed. This is a significant milestone in our development and one which raises and broadens the group’s profile globally. It also assists with further strengthening the corporate governance of the group and we believe that this sets an example which other companies can follow.’

‘At present there is a limited market for the shares but it is envisaged that the

Goodacre UK is a business and technology consultancy working exclusively with regulated companies and suppliers in the financial services sector and is an accredited training provider of the Chartered Institute of Securities and Investment (CISI) Continuing Professional Development (CPD) Scheme.

platform as well as UCITS and AIFMs.

Clarus Risk has been awarded the accreditation for both its fiduciary risk solution, TopSheets® as well as its institutional risk solution RiskMonitor® and is the first Channel Island firm to have received this recognition.

Clarus Risk’s managing director Max Hilton said:

Goodacre UK has been awarding the annual GoodAccredited Standards for over 20 years. Each year, the consultancy reviews the services and systems on offer to regulated firms operating within the financial services sector. The review process for these applications includes obtaining feedback from users of the respective systems which for TopSheets® comprised international trust companies and for RiskMonitor®, a global hedge fund

The GoodAccredited Standard qualifies Clarus Risk as a nominee for the Systems in the City Awards 2016. Award winners will be announced during a black-tie award ceremony to be held at The Banking Hall in London on 6th July 2016.

‘We are delighted to have received this well respected accreditation from Goodacre UK, which recognises the quality and reliability of our risk solutions to financial services firms. Our solutions evolve from significant research and development and it is encouraging to have the team’s effort and innovation recognised. ‘We look forward to attending the awards ceremony for the first time, and working hard to continue to build on this achievement.’

TUESDAY 1 NOVEMBER 2016: WHITTAKER HALL, ST JAMES’, GUERNSEY For more information, go to www.finvention.today or contact finvention@eventguernsey.com

G U ER NS EY BUSINE SS NE WS

Barclays Business Club focuses on cyber security Cyber fraud can seem difficult to combat with social engineering being one of the biggest threats to local businesses according to experts speaking at an event hosted by Barclays in Guernsey. A group of local clients attended the presentation at the Barclays Business Centre where Barclays Business Digital Eagles and representatives from the Guernsey Police and Border Agency discussed the top cyber threats currently affecting businesses. Detective inspector Andy Domaille, high-tech crime manager Mark Domaille and PC Sarah Simon discussed the steps local small and medium sized businesses can take to protect their systems and information.

• Institutional market and liquidity risk solutions • AIFMD compliant risk metrics, calculated daily • Transparent benchmarks • Leading financial technology For more information please contact us on: 01481 231815 or email: info@clarusrisk.com

The common types of attack include phishing which involves a fraudster posing as a legitimate source, sending emails which require you to divulge sensitive information and vishing which involves an unsolicited call pretending to be your bank asking you to reveal confidential information. ‘Business employees can be vulnerable when it comes to cyber security,’ said Barclays Business Digital Eagle, Jonathon Edsall. ‘Social engineering relies on human interaction and requires minimal technical knowledge from fraudsters. It often involves tricking people into breaking security procedures and divulging confidential information such as passwords and PINs. Employees should be made aware of the various different types of threats and ensure they are vigilant to any unusual activity.’ Raising awareness by employee training, backing up data regularly, managing user privileges and changing passwords

A clear advantage Transparent, independent and objective risk analysis

frequently were all cited as basic activities businesses can implement to help keep their information and systems safe. Andy commented: ‘Anyone can be a victim of a cyber-crime. We all use the internet every day whether at work, at home or even at airports to look through emails, banking or keeping in touch with friends on social media. The best way to protect yourself is to be aware of unsolicited emails that may be sent to you and not to open any emails from an unknown source. Just opening an attachment or clicking on a link within an email that you aren’t expecting can result in malware being installed on your machine which could encrypt your file, or steal your passwords and login information.’ ‘Businesses should recognise the threat that cybercrime poses,’ said Justine Gaudion, head of local markets, offshore and personal and corporate banking at Barclays.

First class risk measurement

G U E RN S E Y B U S IN E S S N EWS

Guernsey Awards for Achievement Monday 11 July 2016 is the starting gun for the 2016 Guernsey Awards for Achievement – Guernsey’s annual awards programme that recognises, celebrates and applauds local businesses and individuals for their achievements in 2016. Entering the Guernsey Awards for Achievement offers companies and organisations the opportunity to analyse their business, to raise their public profile and to benchmark success. Being shortlisted for one or more of the six business awards increases staff morale and involvement and clearly differentiates companies from their competitors. And winning builds business confidence, internal and external profile and overall business competitiveness.

Companies that are interested in entering, but would like to learn more about what is involved and the actual entry process, can complete an online form at: www.awards.gg or alternatively can call (01481) 728686 to discuss any immediate questions. For businesses that already know which business award, or awards, they wish to enter, entry forms and guidance notes can all be downloaded from www.awards.gg Last year’s Guernsey Awards for Achievement saw a breadth and depth of entrants, shortlisted organisations and winners that truly demonstrated the diversity of the business landscape in Guernsey across both private and public sectors. Entering the Guernsey Awards for Achievement is not just about filling in forms. There is the glittering Guernsey Awards Gala Evening to attend where all shortlisted businesses are profiled and the winners

Meet the deputies The local branch of the Institute of Directors (IoD) hosted an evening in June at Urban Kitchen for its members to meetthe newly-elected States deputies. Just over 100 guests gathered to exchange news and views on all things political and business as part of an on-going conversation between Guernsey’s government and the

announced. It is an evening where 700 guests get together and it is Guernsey’s largest and most prestigious black tie evening: it will be held on Thursday 9 February 2017 at Beau Sejour.

Key notes for your diary:

• 11 July 2016 – the 2016 Guernsey Awards for Achievement are open for business • 2 November 2016 – the deadline for submissions for the six business awards • 9 February 2017 – the Guernsey Awards Gala Evening There is every reason to enter and win. Discover why and how at www.awards.gg

business sector. ‘The IoD is committed to developing and maintaining a proactive dialogue between its members, and Guernsey’s politicians and senior civil servants,’ said Linda Johnson, chair of the Guernsey IoD. ‘With Europe and the UK dominating the headlines recently, it was extremely opportune for our newly-elected politicians and IoD members to spend an evening exchanging opinions and ideas on how to grow Guernsey’s business landscape to compete on a global basis.’

bre x it

BREXIT Is it good or bad news for Guernsey?

A perhaps surprising outcome to the EU referendum last month – though the vote was pretty tight. So what are the views about the result and how it might affect Guernsey in the mid to long-term?

MARTYN DOREY, PRESIDENT GUERNSEY CHAMBER OF COMMERCE ‘As a third country (neither part of the UK nor part of the EU), Guernsey is developing a plan to replace its Protocol 3 trading relationship with the UK/EU. The Channel Islands will also need to work closely with the UK government to ensure that everyone’s interests are aligned and protected in negotiations with Europe. There are opportunities for small, agile

communities to succeed in the resulting variations of political, economic and social union. Guernsey should capitalise on its strong links with the Commonwealth countries and promote its independence, impartiality and substance. ‘There was speculation as to whether the UK would undergo a ‘Guernsification’ if the UK voted to leave the EU. Guernsey is a unique island - the size of a small market town, yet a robust economy, with one of the highest rates of GDP per capita and

one of the lowest rates of unemployment in Europe. It is small, adaptive to change, and historically this has helped the island reinvent itself several times from a centre for privateering, to a centre of horticulture to a centre of finance. Guernsey has an abundance of talented individuals who have the ability to build businesses that can be exported around the world. As the financial crisis in 2008 suggested, it is not necessarily the largest that survive, but those who have the ability to adapt to change the fastest.’

LINDA JOHNSON, CHAIR OF THE GUERNSEY BRANCH OF THE INSTITUTE OF DIRECTORS

DOMINIC WHEATLEY, CHIEF EXECUTIVE GUERNSEY FINANCE

‘The Brexit result represents an opportunity for the States of Guernsey to negotiate the best possible position for the island in relation to its national, international and global counterparts. The outcome of these negotiations will be significant for business.

‘This is an historic decision. However, although the decision is clear, we have yet to see how it will be implemented and the new world that will be formed in this process. We will be monitoring developments closely to assess the impact of this on Guernsey and the financial markets in which we operate.

‘The Policy & Resources Committee has stated its four priorities in the event of this outcome and the IoD supports this approach. ‘There is considerable depth of knowledge and expertise within the IoD membership and we would welcome the opportunity to consult with and support the P&R committee in its endeavours to achieve the best outcome for the island, its people and its business community.’

‘What is clear is that Guernsey is robust, innovative and responsive to its markets and the international business environment. These qualities will continue to ensure that those who come to Guernsey to undertake finance business will enjoy the same excellence of service, financial

security and expertise of advice and governance as they already do. ‘Guernsey will remain committed to its position at the forefront of global standards of regulation, tax cooperation and transparency, and AML. This position alongside the substance and expertise of our finance industries, and the commitment and professionalism of the Guernsey Financial Services Commission and our government makes us very confident that we can adapt and succeed in this new world as it evolves.’

brexit

DEPUTY JONATHAN LE TOCQ ‘The States of Guernsey, alongside the States of Jersey, has been working with the Channel Islands Brussels Office in the run up to the referendum since 2012. We understand our relationships with the EU much more clearly and we have strengthened our relationships with the UK Government in this area. This places us in a good position to ensure that the best interests of the islands and its residents are taken into account during the months and years of negotiations that lie ahead. Whilst there will not be major change for Guernsey, in order to safeguard the best interests of the islands the States will need to ensure we give priority to this work and ensure adequate resources are available to support our engagement with the UK as it leaves the EU.’

Deputy Gavin St Pier EU referendum decision: time for cool, determined representation of our interests working with others with shared issues. Much work to do. Deputy John Gollop I personally suspect EU will force UK out earlier rather than later Guernsey resident I’m pretty well shocked! Oh dear, a future to the unknown.

FIONA LE POIDEVIN CEO CHANNEL ISLANDS SECURITIES EXCHANGE ‘Guernsey and Jersey are both in a strong fiscal position and have diverse financial services industries, which will help the islands weather any storm. Indeed, as the local economies adjust to the prospect of a UK outside of the EU, it is a time to look for opportunities so that we can continue to prosper in the future. ‘London will remain a major financial centre and is our largest business introducer centre. However, the islands are also becoming increasingly diverse in terms of exporting their financial services globally and I expect this trend to continue. In addition, in terms of EU market access for financial services, we remain third countries and as such, we will continue to negotiate directly with the EU through the Channel Islands Brussels Office.

‘In the short term, we are already seeing volatility in the markets but this may prove both negative and positive, for example with the weak pound providing opportunities for foreign investors to acquire UK assets relatively cheaply. At the Exchange, a significant proportion of our business relates to the investment funds industry and we have seen before that, in times of turmoil, the sector remains robust due to the diversification into different alternative asset classes, including private equity. We have seen a strong start to the year despite the uncertainty that the impending referendum has created and so, once confidence returns, we expect to see ‘business as usual’ and we will continue to monitor developments in the UK in the coming weeks and months.’

Peter Mills witnessed one of most significant events in my lifetime. For sake of our children I hope its right decision & everyone unites to make it work

Sam Maindonald Suspect a lot of UK residents are panicking & looking to move. Gsy’s a safe place to live. Let’s see how our pop numbers fare

Kevin Stewart A big piece of work now for Guernsey Plc. Would suggest a dedicated team put in place with proper resource to maintain and preserve EU trade

Deputy Gavin St Pier Lord Faulks, Minister, Ministry of Justice called to reassure that regards it as his/ MoJ’s role to robustly represent Guernsey’s interests.

CHAMBER NEWS

Donkeylogic wins the Bill Green Award This year’s Bill Green Award for Entrepreneurial Spirit has been won by multi-service IT consultancy Donkeylogic.

successful since they were established three years ago, and impressed the judges in meeting the award criteria. We look for that special spark of innovation in the successful candidate, be it new or well established. We wish Donkeylogic, and all the shortlisted candidates and entrants, every success for the future.’ Justin Guilbert, managing director of Donkeylogic, said:

YBG president Lindsey Dean said that the panel had thoroughly enjoyed judging this year’s award.

‘We are obviously delighted to have won this award, particularly up against two other extremely worthy entrants. Our small – but growing – team works extremely hard and this is a great acknowledgement of their work and dedication. Bill Green himself was the epitome of entrepreneurial spirit and I am proud that Donkeylogic is able to play this small part in his legacy. We have some exciting plans for the next year or so and I am looking forward to continuing to develop our business.’

‘We had submissions from interesting and diverse entrants, and the judges are thrilled to announce Donkeylogic Limited as this year’s winner. They have been very

All shortlisted entrants benefit from the opportunity for a free trademark registration worth up to £200, donated by the Guernsey Registry.

Three local companies were shortlisted for the annual award, which was presented by the Young Business Group (YBG) at its annual summer ball. The shortlisted finalists - CT Plus, Dorfmeister Studios and Donkeylogic all impressed the judging panel, comprised of members of Startup Guernsey, the Guernsey Chamber of Commerce and YBG.

This year’s Bill Green Award judges were Lindsey Dean, president of YBG; Carl Symes of Startup Guernsey; Fionnuala Carvill representing the Chamber of Commerce; Steve Rouxel, vice president of YBG, and Wing Lai, former president of YBG. The award was presented to Donkeylogic in front of a packed audience at the annual ball, held at the St Pierre Park Hotel on 17 June 2016. The dinner was sponsored by Saffery Champness with some of the proceeds from the evening going to local charity The Hub. Jeremy Ellis, audit partner at Saffery Champness, said: ‘We were delighted to continue our support of YBG by sponsoring the Summer Ball this year. The evening raised money for a worthy local charity as well as promoting the wider benefits of YBG membership.’ The Donkeylogic team: Jordan Dodsworth, Justin Guilbert, Thu Nguyet Doan-Guilbert, Jordan Travers.

We are obviously delighted to have won this award, particularly up against two other extremely worthy entrants. Our small – but growing – team works extremely hard and this is a great acknowledgement of their work and dedication. 12

CH AM B E R N E WS

New faces Thank you to all those who attended Chamber’s AGM and our summer drinks at Christies. Chamber is delighted to welcome Martyn Dorey as our new president and we also have several new Council members. Chamber would also like to thank Louise Hall, Fionnuala Carvill and Jo Porritt who have stepped down as Council members, for their valuable contribution. Martyn will be seeking a collaborative approach with other business groups and government in order to meet the challenges the island will be facing over the next few

years, as he explained:

Chamber of Commerce.

‘Firstly, I must thank Tony and all his hard work and commitment over the last two

‘Much has been said of the need to diversify our economy and, as president, this is something I fully intend to encourage. We all have to work together and I do look forward to working more closely with GIBA and GIFA, and indeed much more closely with Government, as our future success will only be achieved with a unified cohesive approach with us all working together.

Much has been said of the need to diversify our economy and, as president, this is something I fully intend to encourage years and I feel honoured to be able to take on the role as president of the Guernsey

‘Most importantly we, as chamber, will be listening to our members to understand their needs and, from their experiences, make Guernsey a great place to do business. I am looking forward to the next two years, meeting these challenges and working with the great team we have on Council.’

C H A M B ER NE WS

2016 Business Trends’ Survey Matt Stanbury of BWCI outlines the key findings of the this year’s survey

Profit projections for 2016 slipped slightly from last year but remain reasonably positive with almost 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 (i.e. the number reporting an increase in profits minus the number reporting a decrease).

The Business Trends’ Survey is conducted annually by the Young Business Group and Island Global Research on behalf of the Chamber of Commerce. The survey presents the views of Guernsey’s business community and establishes business performance and confidence levels within the private sector. Following a three-week response period, the results of the 2016 Business Trends’ Survey were released in June. 69 responses were received this year from across all business sectors, ensuring that the survey was representative of Guernsey business. A short summary of the key findings is set out below: 2015 Business Indicators Respondents were asked about the performance of their businesses over the previous year. Over two in five (42%) of businesses increased their staffing levels over 2015. This was significantly higher than the 27% who predicted an increase in the previous survey and represented the most positive response to staffing levels in a decade. Both profits and turnover had increased for around half of businesses with around one in four businesses reporting decreases.

The chart shows that forecasts of profitability have generally been slightly over optimistic in the past. Despite a drop over the last couple of years, the general trend since 2009 appears to be an upward one. Finance vs non-finance sectors In a comparison of the results between the finance and non-finance sectors, it can be below that while a similar proportion reported an increase in profits over 2015, over twice the proportion of non-finance sector businesses reported a decrease in profits than in the finance sector, painting a slightly more positive picture for the finance sector compared with other sectors taken together.

The net position (i.e. proportion of positive responses minus proportion of negative responses) for profits, turnover and employment numbers have shown steady improvement since the lows of 2009. 2016 Business projections The survey also questioned businesses about their prospects for the coming year. Employment projections for 2016 are at the most positive level for the last decade with around a third of businesses expecting to increase staffing numbers in 2016 and around one in 20 predicting a decrease.

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). In addition businesses were asked for their opinion on short term confidence within their own sector. The chart shows the net position of the number reporting an increase in confidence levels.

CH AM B E R N E WS

•

Providing free/subsidised skills training to people of all ages in areas that are likely to be in demand in future (e.g. ICT/coding). Responses were given a score (strongly support = 2, support = 1, oppose = -1 and strongly oppose = -2) and then ranked in order with the results shown below:

Government support for growing/emerging sectors Better forums for Government and business leaders to exchange views Collaboration between Jsy and Gsy public sector bodies Government support for renewable energy Provide free/subsidised skills training to people of all ages (eg ICT coding)

Short term confidence remains comparable with recent years’ results, with just under half of respondents saying they are less confident about the coming year. However, there has been a small rise in the net proportion reporting an increase in medium term confidence. Businesses remained generally more confident about their own individual sectors despite a fall from the 2015 position. Island issues Respondents were asked how strongly they supported the following initiatives: • Greater collaboration/partnership between public sector bodies in Jersey and Guernsey (e.g. between healthcare departments in Jersey and Guernsey). •

Government support for emerging/growth economic sectors, with the aim of providing greater economic diversification (For example, similar initiatives that have been successful in other territories include hotel regeneration projects in Bermuda and rejuvenation of the fishing industry in Iceland).

• Government support for initiatives allowing Guernsey to become a leader/innovator in the field of renewable energy production, with a view to becoming an exporter. •

Better forums for government and business leaders to exchange views on government policy (e.g. focus groups, surveys or increased use of social media, to gather business opinion on government policy).

Land reclamation and flood defence strategy 0

All these initiatives received broad support. However, the chart shows that the most popular initiatives were for the government to provide support for growing and emerging sectors and for better forums to exist for business and government discussions to take place. Conclusions Overall, as with last year’s survey, the 2016 survey provided plenty of positive news. Employment and profit forecasts for the coming year remain positive but some concern remains among businesses regarding Guernsey’s general economic prospects. A Chamber of Commerce seminar to discuss the results of the survey was held on 7th June 2016 with leading Guernsey politicians invited to take part on the discussion panel. Anecdotal evidence from the seminar seemed to support the reasonably positive results of the survey. However, it was suggested that there was perhaps a lag in this feeding through into the more general business confidence levels. It was also noted that the issues faced by Guernsey are typical of the issues faced by a host of other islands worldwide. The full results can be found on the Chamber and YBG websites. Thank you to all the businesses which 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.

• Putting a land reclamation and flood defence strategy in place.

Join Chamber today the voice of local business

Business support; networking events; business advice; business events; liaison with States departments; new interactive website. Email: office@guernseychamber.com Tel: 01481 727 483

www.guernseychamber.com

90 100

@GuernseyChamber

GuernseyChamber

C H A M B ER NE WS

The series is designed so that there is ‘something for everyone’ irrespective of the size of company or the business sector in which you operate. The seminars cover a wide range of topics designed to give business owners and employees valuable tips and information on many aspects of running a company.

Grant Thornton Seminar Series dates for your diaries Following the success of the 2014 and 2015 series, Guernsey Chamber of Commerce, in conjunction with Grant Thornton, is delighted to be running the 2016 Breakfast Seminar Series.

The series began in June with an event which considered the digitalisation of business and how that affects the customer experience. In July there are two further sessions and some additional subjects will be covered on dates yet to be confirmed.

Seminar dates

Wednesday 27 July COMMUNICATING AT WORK: BIG BROTHER & LEGISLATION Speaker: Victoria Pratt, Senior Associate and Sarah Brehaut, Partner at AO Hall

Future topics (dates to be confirmed) PEOPLE AND CULTURE: A WORKING GUIDE TO HR ESSENTIALS RISK: A MILITARY VIEWPOINT

Wednesday 13 July BREXIT & THE PANAMA PAPERS Speakers:

SUCCESSION PLANNING: THE BIG EXIT

Jo Reeve, director of international relations and constitutional affairs and Richard Digard, media commentator and former Guernsey Press editor and director

All information and booking is available at www.guernseychamber.com

Coming up… A few key business events for your diaries Date

Event

Time

Venue

Booking / Information

7 July

Sure Customer Service Awards

1730 - 1900

Market Square

www.thecustomerserviceawards.com

14 July YBG presentation and dinner 1800

Digital Greenhouse and Sawatdi

www.ybg.gg

18 July

Chamber monthly lunch Deputy Gavin St Pier

1200 – 1400

OGH Hotel

www.guernseychamber.com

3 August

YBG wine tasting and networking

1800

Muse

www.ybg.gg

15 August

Chamber monthly lunch Mick Ridge, Frontier Economics

12.00 - 14.00

OGH Hotel

www.guernseychamber.com

16 September

AO Hall biennial fraud conference

0830 - 1700

St Pierre Park Hotel

nikki.travis@aohall.com

19 September

Chamber monthly lunch

12.00 - 14.00

OGH Hotel

www.guernseychamber.com

1 November

Finvention

0830 - 17.00

St James Concert Hall www.finvention.today

If you would like your event included in our diary please email details to editor@collaboratecommunications.com

S A R A H Mc GR E E VY

SARAH McGREEVY

Sarah McGreevy, Guernsey Harbours’ director took on her role in 2013. With a wide and diverse range of harbour users, commercial partnerships, properties and other stakeholders, her job can be a bit of a juggling act but she is very clear on its primary focus – to maximise return from the various States of Guernsey assets, resources and services that fall within the remit of Guernsey Harbours. This revenue is invested in the upkeep and modernisation of the harbours’ infrastructure and facilities.

S AR AH M c GRE E VY

‘Guernsey Harbours’ role and scope is much more diverse than people might think,’ Sarah said. ‘We provide services that touch the life of every islander and business either via the lifeline links to deliver food and fuel to the islands or through their enjoyment of leisure activities on the sea. The services provided by Guernsey Harbours are significant and wide ranging including managing vessel movements, the transit of passengers and cargo, property and estate management, providing facilities and infrastructure for community leisure activities, managing multiple marinas with over 2,000 berths and moorings, facilitating the safe arrival and departure of cruise liner passengers and providing coastguard services. ‘We segregate our various areas of operation into four elements or areas of responsibility that make up the Guernsey Harbours business unit - commercial, leisure, estate and public service. ‘First, there’s the commercial shipping coming in and out of the harbours, whether

that’s passengers travelling on and off the island or freight movement. Secondly we service the leisure boats, which include visiting and local boats and the associated marinas as well as visiting cruise vessels. ‘Then there’s the Guernsey Harbours real estate portfolio – we manage around 100 properties which are leased to individuals and businesses of various types, including restaurants, retail outlets, small storage facilities and ground leases. We own and rent out most of the property located within the area from the Castle Emplacement to Salerie Corner and also properties around St Sampson’s Harbour. The final element incorporates all the other public facilities or services within Guernsey Harbours’ portfolio, which include the model yacht pond and the various viewing points around the harbour areas, the coastguard, maritime matters and legislation. ‘There is huge diversity in what we do and having so many interested parties with an equally wide variety of needs and priorities is both a challenge and an

opportunity. Our overall objective is to ensure these four distinct areas are working closely together so that we can generate the best return from our assets. When the interests of all stakeholders are aligned and the pieces of the jigsaw fit together, everyone – both private and public sector – enjoys the benefits.’ The footfall created by visiting boat owners and cruise ship passengers certainly represents great opportunities for local businesses. An estimated 30,000 visiting boat owners and crew will step ashore during 2016 and around 125,000 cruise passengers will be tendered into St Peter Port. ‘The cruise market is nothing other than a good news story. In 2012, visiting cruise passengers totalled around 55,000 so there has been massive growth. Inevitably the growth has slowed but 2016 will still see an increase in numbers compared with last year. There has been a fair amount of discussion around the cruise market and what benefits it delivers to the island. The research that

S ARAH M c G RE E VY

The fact that cruise ships can anchor so close to the port – as well as St Peter Port and the islands forming a beautiful backdrop - means that Guernsey will remain a popular destination for cruise operators and we continue to benefit from this market

VisitGuernsey commissioned last year found that the market is worth around £4 million to the local economy and we believe that to be a conservative estimate. ‘We can see through social media activity that local businesses are benefiting from this market. Social media forms an important part of our communications strategy and when we are posting about visiting cruise ships, we can see how certain areas of the local business sector engage, sharing messages and using it as a platform to benefit from the opportunities offered by the visitors arriving at our shores. Our newly introduced £1 passenger levy will not affect numbers and it will go towards ensuring that we are generating appropriate revenue from this market. ‘The fact that cruise ships can anchor so close to the port – as well as St Peter Port and the islands forming a beautiful backdrop - means that Guernsey will remain a popular destination for cruise operators and we continue to benefit from this market.’

Earlier this year Guernsey Harbours undertook a facilities survey asking respondents to give feedback on the current passenger accommodation and the types of improvements they would like to see. Over 500 people took part – 95% of whom were from the island. Some aspects of both the terminal and the vehicle compound were criticised, with the lack of Wi-Fi and inadequate catering being the main areas of concern. Respondents also indicated they would spend more if the retail offering was improved.

differed on whether it was basic but adequate and fit for purpose or unsuitable as a gateway and face of Guernsey.’

Sarah welcomed the feedback and explained that some improvements are gradually being introduced.

The leisure boat sector has seen significant change in recent years and, whilst the European market hasn’t fully recovered from the economic downturn, Guernsey’s visiting vessel revenue has remained broadly steady. Over a million households in the UK now own a boat or water sports craft and it’s estimated that around five million UK domestic holidays taken involve some form of boating activity (source: British Marine). Coupled with this is a trend towards larger leisure vessels – something that Sarah is witnessing here too.

‘It is good to have some evidence-based research to help us improve the passenger experience. We are looking in particular at facilities within the vehicle compound. For example, wet weather shelter for motorbike users; food outlets, shops and Wi-Fi are on the agenda. Interestingly views on the terminal itself were split – whilst most referred to it as out-dated or ‘tired’, views

‘The average size of leisure boats is increasing. We have therefore begun a programme of work which will make areas of our marinas accessible to the larger vessels, creating larger berths to accommodate this shift in demand. We enjoy about a 95% occupancy level within the local marinas and visiting yachts and motor boats – both individual and

S AR AH M c GRE E VY

We will continue to service all our stakeholders, whether they are tenants, visitors or local boat owners, as best we can. The new board means that there is an additional layer of scrutiny and we will work with the board and its members to ensure that they can fulfil their mandate. Otherwise, it’s business as usual

groups - continue to constitute a key element of our business income and revenue generation. It’s important to add that we are equally interested in small leisure craft and there are berths available for local boat owners.’ ‘The ‘Swan pontoons’ walk ashore link-up has proved hugely popular with visiting yachtsmen too. These pontoons are located outside the Victoria Marina and are used by visiting vessels when the marina is full or the tides won’t allow access. During the summer months the outer pontoons are linked together on the western side and there is a gangway connecting them to the shore allowing visitors to walk ashore rather than take the water taxis as in the past. This was a cheap and relatively ‘quick win’ and an easy way to improve the visitor experience.’ As a landlord, Guernsey Harbours has an on-going programme of work to maintain and improve the many properties for which it is responsible. ‘There are always projects underway,’ said Sarah. ‘These can be minor repairs or more significant renovation projects. In order to maximise return on what is a significant real

estate portfolio, it’s essential that we look at the opportunities presented to us by the estate.’ Freight traffic – something that perhaps we all take for granted – is something over which Guernsey Harbours has less influence but is a fundamental part of the island’s very existence. ‘Around 98% of goods coming into Guernsey arrive by sea. It would only take two or three days without a delivery before everyone would be noticing bare shelves when it comes to fresh produce. A lot of freight activity takes place during the night so the general public is largely unaware of the volume and frequency of movement. One of the challenges faced today is to look at the options for hydrocarbon fuel delivery which currently arrives in St Sampson’s via tanker. Going forward, we will look at the alternative options for delivery. ‘We have two beautiful Victorian harbours which are iconic Guernsey landmarks but which inevitably have their own limitations and restrictions. St Sampson’s Harbour is significantly restricted by tide, weather and berth size. We must work within these limitations to deliver services that fulfil the needs of a modern progressive 21st

century market.’ Guernsey Harbours is one of the States’ trading entities and falls under the scrutiny of the newly-formed States Trading Supervisory Board. Sarah doesn’t see any significant change to the day-to-day operation of the department. ‘We will continue to service all our stakeholders, whether they are tenants, visitors or local boat owners, as best we can. The new board means that there is an additional layer of scrutiny and we will work with the board and its members to ensure that they can fulfil their mandate. Otherwise, it’s business as usual.’ Sarah moved to the island in 2001 and spent 12 years in the private sector, working in both the finance and telecoms industries before joining Guernsey Harbours in 2013. Outside of the office her family of three young children keep her busy so life is never dull. ‘There are so many facets to what we do that inevitably no two days are the same. It’s when all the disparate parts come together and work cohesively that we can get the best return for Guernsey Harbours and for the island as a whole,’ she said.

ACCE N T L AN G UAG E S CH OO L

Learning languages. What’s the point? When many of our foreign counterparts can speak to us in English, we may wonder whether there is any need for us to learn a foreign language. Anna Lisa Detassis, director of Accent Language School explains why there is no question. Whilst English is one of the great global languages of the 21st century and perhaps the number one language for business, it will only take us so far when we consider that only 6% of the world’s population speak English as a first language and 75% of the world’s population cannot speak any English. The answer therefore, is yes! Languages directly benefit the economy and have a huge benefit both culturally and to the quality of your life. Consider when we communicate with someone of another language - we appreciate their efforts to speak to us in English. Often we need them to make that effort as we cannot speak any of their language. In both our personal and professional lives, making that effort is very much appreciated and will help to form good connections and relationships. Although learning a foreign language requires an investment of time and energy, you will find that speaking even at an elementary level will go a long way in developing connections and helping you to get places. Did you know, even astronauts have to learn a foreign language (Russian) before they can go into space? As a nation, if you can speak another language you will: • Be more successful in the global economy • Build better relationships at home and abroad • Be able to compete with your peers We have many corporate opportunities in Guernsey through the diversity of our business sector and its global audience -

whether it’s through working with foreign speaking people residing or visiting Guernsey, or through foreign clients or colleagues. So being proficient in a foreign language is at least beneficial and in some cases, essential.

questions, including questions about your family and interests: this doesn’t necessarily mean that you and your business have gained their trust! Italians won’t always have a good level of English - they are below EU standards.

In Germany, the opposite is true. Germans have a strict separation between private and work life. You should expect it to take longer to develop a good relationship with them. Sticking to timetables is considered vital.

There’s much more to learning languages than its use in a professional environment. Language gives us access to a culture in a way that nothing else can, unlocking the door to knowledge and understanding As last year’s British Council report said: ‘Languages are the bedrock of the world’s cultural heritage. Every language offers a rich and unique insight into different ways of thinking and living as well as into the history of the myriad of cultures and peoples across the globe.’ Not only do our languages differ around the world, but so do our customs and inferences. For example, in Italy, it’s important not to make any matter sound urgent as it can appear rude or as a sign of weakness. Instead, you should make small talk and show some interest in Italian food, art, fashion or sports. Italians will perhaps ask you

Although most business people in Germany have a good level of English, it’s recommended that you make the first contact in German, if you can. In Portugal, it’s safe to assume that business contacts will speak some English. If they do not, it is very possible that they are able to speak an alternative language. English is usually the preferred language for negotiations but it’s essential to speak slowly, clearly and without slang or over technical jargon. In Spain, communication is usually formal and follows strict protocol that should be maintained at all times. It’s important to avoid confrontation as much as possible and also it’s advisable to remain modest when describing your achievements. Like everything, learning is the key. Unfortunately, there’s no magic solution when it comes to learning a language. You need persistence, dedication and hard work. It’s not all bad though: learning a language can also be fun! It’s never too late to learn a language, so don’t be put off. It has even been scientifically proven that age is no barrier to learning languages: it can even delay the onset of dementia! Knowing more than one language opens many new options in terms of where to live, job opportunities and careers. Whilst it might be hard initially, learning a language is definitely worth it.

VIEWPOINT WITH RICHARD DIGARD

STEP BACK TO REFORM If you look at it logically, we have to have conseillers Now that the general election is over and all the positions on the new committees and boards are filled – with seven fewer deputies – there’s only one question left to be answered: will the reforms actually make any difference. Richard Digard argues that they will, if allowed to. But that’s only half the battle. Perhaps unusually, for anyone who has followed my views over the years, I’m actually quite upbeat about this States. And that will remain the case unless or until the Assembly itself shatters that illusion. The reason is that on paper at least, this Assembly has the potential to be the States of Unity of Purpose. Why? Because the man who is now Le Prumier de Giernesi by and large has his own team around him,

chosen to help advance his vision for the future, a vision that has been endorsed at the ballot box. In addition, those heading the committees have their own hand-picked members, there’s a beefed up scrutiny function, the promise of the States Trading Supervisory Board making some significant changes for the better, and the Committee for Economic Development wanting to adopt a ‘no prisoners’ approach to facilitating growth and getting the

economy back on track. In short, a number of elements are aligned and there’s more of a sense of purpose than with, say, 2012’s Sarnian Spring, which appeared more about aspiration than delivery. Whether the Assembly as a whole will get behind the need to get things done remains to be seen but it is widely acknowledged

that this is the last chance for the consensus system if members are unable to support majority decisions even if they run counter to their own views and resort to ‘flip-flopping’. That said, there are other issues the States’ Assembly and Constitution Committee (Sacc) could usefully turn its attention to – and that includes working out what the point of deputies actually is. No, I’m not being rude, and I’m one of those who gets irritated when people talk dismissively about the ‘quality’ of States members. That really is rude and standing for election requires a lot of courage. Nevertheless becoming a States member is a responsible and remunerated position where – probably uniquely – the employer sets out no job description (other than a code of conduct obligation ‘to act in the public interest’, whatever that might be), demands no minimum skill set and leaves it to each individual to decide how, or even whether, they will discharge their duties. This was picked up by the last two independent panels setting States members’ remuneration, one of which I sat on, and there is some hope that Sacc will finally turn its attention to this. Concentrating on the purpose of States members, and therefore what they need to do, (ability to read, essential; making sense of volumes of Billets d’Etat, desirable) would help individuals decide whether holding elected office really is for them. And it goes beyond that. Party based systems filter out unsuitable candidates. Guernsey, however, makes a virtue out of ensuring that it is financially possible for anyone to stand. The only selection criteria is getting enough votes and a minimum of £37,147 is yours. That’s nearly £150,000 over the four-year term. And like it or not, there have been cases of people standing simply because of the money and influence involved. Yet the integrity of members is simply taken on trust or as perceived by electors – no police checks required. With more of a role description approach and guidance on the criteria ideally required by post holders, electors have a better opportunity of matching candidates to the task in hand and manifestoes can also become more of a CV and less a list of promises. Admittedly, this is a slightly simplistic

approach. The reason is that deputies actually have three main functions: Member of the States of Deliberation: making decisions in the Assembly, and the most public part of the job Member of a States committee: effectively an agent of the States of Guernsey and responsible for the majority of policy-making, regulatory and public service functions, which is where the real influence rests), and Electoral district representative: which can range from asking questions in the States about matters raised by members of the public to advising parishioners on dealing with States committees to representing individual interests in complex cases regarding, say, access to social security benefits, housing, healthcare or education.

That was one reason why the island adopted the conseiller system when the 1948 reform laws finally made the States fully democratic, because it recognised that individuals of ability might need the protection of a longer electoral cycle. The requirements vary depending on each role and some members are happiest – and most effective – in a constituency situation and spend long hours on behalf of parishioners. And despite our connected, social media-driven world, there is no indication that the need for this element of a deputy’s role is easing. In some cases, quite the reverse.

Another aspect to developing the capability of the States is what happens to individuals who put through radical or unpopular policies. On the evidence of what happened to Robert Sillars and Yvonne Burford, taking arguably necessary but unpopular decisions like closing primary schools and trying to curb car use is damaging to political longevity. Does Guernsey want, and can it afford, to have some of its best committee presidents dumped because voters in their district are particularly vengeful? Such evidence as there was suggested that both deputies would have survived on an island-wide basis and there is also an argument for suggesting that policy development will suffer if career politicians fear the electoral cycle and adopt a permanently populist approach. That was one reason why the island adopted the conseiller system when the 1948 reform laws finally made the States fully democratic, because it recognised that individuals of ability might need the protection of a longer electoral cycle. As a result, the then 33 deputies were elected every three years and conseillers every six, to provide stability and continuity in an Assembly then for the first time being elected by popular vote. Sacc’s president, Deputy Matt Fallaize, has yet to say what its agenda is – but one priority is working on a referendum for island-wide voting. Since Sacc’s preference is for the plebiscite to be binding, it will have to come up with options for various workable systems, possibly including splitting the electoral cycle to make candidate numbers manageable for hustings and manifesto purposes. It would also be an ideal time to consider the wider aspects of whether the election system – largely unchanged for the last 70 years – functions effectively when it comes to securing those individuals best suited to serving the island’s needs today. All of which makes a compelling reason for bringing back the conseillers.

Other members will cheerfully admit to struggling over massive Billets and relying heavily on the sponsoring department’s own presentations (or propaganda, depending on your point of view) to make sense of new policy initiatives.

Works the way you work. The only system you need for wealth management. NavOne is the world-leading wealth management system delivered by Touchstone and powered by Microsoft Dynamics NAV technology. Used by Single and Multi-Family Offices, small to large trust and fund administration companies, private equity firms and specialist legal and accounting practices across 24 global jurisdictions, NavOne is proven to increase operational efficiencies and reduce administration costs and enable secure and selective private client access to their data. For more information call 01534 818900 or visit touchstoneOne.com Delivered by

S TART -U PS & F L E D G L IN G B U S IN E S S ES

Open for business Martyn Baudains, partner with Ogier, considers some of the issues for people re-locating their business and family to the island Guernsey is open for business. That’s the loud and clear message coming from agencies such as Locate Guernsey, Startup Guernsey and the Guernsey Digital Greenhouse, as the island makes a concerted pitch to attract investment and business from the outside world. You can see the attraction from the island’s point of view – inward investment means economic activity, it means job opportunities, it means fresh skills, it means diversification and it means innovation. All of those things are equally attractive to government as they are to the wider economy, and it’s the creation of Locate Guernsey by what was then the Commerce and Employment Department last year with £1.2 million worth of investment from the States of Guernsey that underlines the solid political commitment in this area. The department confidently predicted that the new agency would pay for itself within two years, and took the forward-looking step of appointing contract staff along with ambassadors from the private sector to maximise the new agency’s reach and expertise. But Locate Guernsey et al are operating in a crowded market – that attractive package of jobs, skills,investment and innovation is precisely what every jurisdiction is looking for, and Guernsey’s competitors are also marketing themselves in an increasingly assertive and sophisticated way, some of them with a head start. The agency has already had notable success in its first few months in operation. That success demonstrates the value of the exercise, because you can be absolutely certain that every business or entrepreneur who relocated here had several other options to choose from.

Part of the task of Locate Guernsey in making that assertive case for the island has been to look beyond the traditional selling points about unspoilt beaches, great restaurants, golf courses and low tax rates. Those arguments have been successful at attracting retirees for decades, and will be for decades to come, but a new sales pitch is extolling the island’s virtues for entrepreneurs and businesses looking to relocate. These targets want to hear about beaches and restaurants, but they also want to hear about connectivity, infrastructure, regulation and tax. And here, we also have a good story to tell - transport links to key UK and European destinations, fibre-optic broadband connections, access to a pool of skilled and qualified staff, a pro-business approach to regulation, access to renting or buying Open Market properties, and favourable tax regime are arguments that are persuading firms that Guernsey is an attractive option. At the same time, the Planning Department has engaged with Locate Guernsey and the Guernsey Property Forum – of which Ogier is a member – on a project to front load and speed up the Planning process in these cases, helping to meet targets for decision-making timeframes and providing a free pre-application enquiry service. Goodwill from the government is helpful, but the reality is that moving any kind of enterprise to Guernsey is not something to be undertaken lightly. Once the decision has been made that Guernsey is the right location, there are still administrative, regulatory and practical steps to go through, which is why incoming residents and firms instruct local law firms such as Ogier to provide a responsive, professional and discreet service that reflects clients’ individual needs.

Lawyers engaged in this kind of work are well-placed to introduce clients to local accountants, bankers, trust and investment specialists who can provide expert wealth structuring advice, as well as experts in the local property sector. But the process of relocation is not without its complexities. There’s the process of finding a home (for new residents) and premises (for new firms), navigating through the island’s property transaction process and often the planning and commissioning processes too, registration with tax, social security and data protection authorities, potentially intellectual property issues to consider, right-to-work documentation for employees, and for financial services providers there are licensing and capital adequacy requirements in respect of the Guernsey Financial Services Commission. Fundamentally, no two businesses’ requirements are the same, which is why firms need an expert, flexible and discreet service that delivers targeted, pragmatic advice with absolute clarity. The growing trend of high net-worth individuals and businesses relocating to Guernsey is a win-win. New islanders and new firms benefit from our work-life balance, from our favourable tax regime, from the high standard of health and education services, and from the travel, digital and professional services infrastructure. The island itself benefits not just from the inward investment, but also from innovation and economic activity driven by new people, new businesses and new ideas.

NEW ME M B E R S

Channel Island Lines

Channel Island Lines is a high quality freight service operating between Jersey, Guernsey and Southampton.

HVC Limited HVC has been undertaking major building projects in Guernsey for over 10 years and has developed an enviable track record of delivering large projects in all sectors of the industry.

Iris Freight (CI) Limited Iris Freight (CI) Limited is the first seven-day-a-week freight shipping service between Guernsey and Jersey.

White Star Capital Guernsey Limited White Star Capital Guernsey Limited invests in exceptional entrepreneurs who are building the iconic companies of tomorrow.

Guernsey PA Connect Guernsey PA Connect was launched in 2015 and holds quarterly events and circulates a newsletter to nearly 200 Guernsey PAs on its database. 26

The company prides itself on offering a customer focused freight service. The team builds strong relationships with its clients, aiming to work as partners with them and, as a result, service their business needs with high quality, timely, secure and safe freight movements. Channel Island Lines also has its own ship, built especially to meet the needs of an island freight service.

Channel Island Lines offers: • Economic prices • Professionals in secure and safe freight services for business and personal customers • Regular freight services between the UK and Channel Islands • Covered receiving areas and warehousing • Experienced and professional staff • Accurate and efficient delivery

HVC promotes a ‘can do’ attitude and is able to provide innovative solutions to difficult construction problems.

of construction project.

As leading Guernsey building contractors committed to successful outcomes for a diverse client base, HVC has a team of experienced and highly skilled building professionals able to undertake any type

HVC fully supports the local economy by engaging as many local tradesmen, suppliers and subcontractors as possible.

It provides a reliable and efficient delivery service with professionally qualified captains and crew.

farms for many years. It sails every day of the year, except Christmas Day, delivering a wide range of commercial and personal items.

Its principal boat is a 14m catamaran called Channel Chieftain V, which has operated successfully in the North Sea servicing wind

Iris is also licensed to carry up to 12 passengers, which will provide an alternative route for returning to Guernsey in the event of disrupted flights due to fog.

The company’s goal is to help reshape industry through technology. White Star Capital invests at Seed and Series A and is comfortable leading investments as well as co-investing alongside smart partners.

entrepreneurs who understand their industry more deeply than it ever could and is delighted when they choose to partner with White Star Capital as an extended part of their own team.

The firm combines technical acumen with an ambition to reshape the world. It values those with the drive to build a global business. The team learns from

The company believes in the power of data, the ubiquity of mobile and the value of networks and thinks there has never been a better time to start a technology company and achieve global scale.

The events are of a different format each quarter – networking; a topical speaker; a training event; and the fourth which can vary depending what is deemed most appropriate. Previous events have included an afternoon tea and a seminar with an award winning PA and international speaker.

The inspiration came to her after she attended a PA conference in London. After a lot of planning Caroline Renouf, a friend of Donna and a PA herself, joined the team.

The network was started by Donna Olliver when she saw a need for a network for PAs and secretaries in Guernsey.

Donna and Caroline work tirelessly, giving up a lot of their own time to run Guernsey PA Connect helping all they can to promote the role of the PA. In 2016, they welcomed Julie Twist, Jennifer Baudains and Jane Ravenwood to the committee.

S TART - U PS & F L E D G L IN G B U S IN E S S ES

Plan for the future, think about listing New businesses should plan for the future and consider how an exchange listing could aid their ambitions, says Fiona Le Poidevin, CEO of the Channel Islands Securities Exchange (CISE)

An exchange listing may seem a world away from the day-to-day challenges facing many new business owners. However, forward planning is key to the success of any company and, as part of that, there needs to be early consideration of an exchange listing. It offers several benefits but there are also certain requirements which need to be met so owners cannot afford to wait until they are ready to list before they act but instead preparations should form part of their strategic thinking. Clearly an exchange listing is not going to be suitable for every company but it does offer several key benefits. These might include one or more of the following: • Enhanced prestige and profile for the owners and their business • Access to a new pool of capital which will help take the company to the next stage of its development • Demonstrable adherence to well recognised standards of transparency and governance • Provision of a stepping stone to a listing on another major global exchange • Route to exit Perhaps the most appealing benefit of an exchange listing is the potential access to a new pool of capital. Smaller businesses might find angel investment to help them develop for a period and increasingly new methods of alternative financing, such as crowdfunding may play a part but often more significant funding is required to really take a company to the next level and this can sometimes prove difficult to achieve.

The problem For many years, growing businesses have found that a lack of affordable finance has hindered expansion plans. The financial crisis exacerbated these conditions as it led banks to step back from what is perceived to be more ‘risky’ lending. A 2014 report by British commercial insurer RSA suggested that more than half of new businesses didn’t survive beyond five years, partly because of a lack of bank lending and that survival rates are lower than before the crisis. In the UK, the Funding for Lending Scheme was established to try and increase credit in a sustainable manner, although it has had limited success. The Bank of England is reporting improved credit conditions in more recent years but this is not at the same levels as prior to the crisis and the evidence is that many SMEs are still struggling to obtain traditional (i.e. bank) finance. There has been an increase in alternative lending, for example through peer-to-peer platforms but this remains a relatively small marketplace and some owners are concerned about the loss of control associated with private equity investment. The solution An exchange listing can fill that current gap in funding. It offers access to a new pool of capital because some investors can only invest, or have to invest a certain proportion of assets, in listed products. One of the reasons that certain investors are mandated to invest in listed products is because they know that the company in which they are investing must adhere to specified standards of transparency and governance. It’s these requirements which mean that owners need to have given thought to whether or not they see an exchange listing

playing a part in the development of their business well before they actually reach that stage. By giving this consideration early in the company’s life, a company can start to make the necessary preparations for an exchange listing so that they are in the best possible position to meet the required conditions at the time they wish to be admitted. The fact that a company is able to clearly demonstrate that it meets these standards is not only attractive in terms of investment but it is also a ‘good thing’ for a company to do in its own right, as well as providing strong foundations for the future. For example, the company may wish to attract further investment, perhaps by dual listing on another global exchange. The CISE Guernsey and Jersey companies might choose to list with the CISE because we offer the advantages of listing on an exchange which is based locally. We also have a fee regime and admissions criteria which is better suited to meeting the needs of growing businesses than that of some larger exchanges. In fact, a company may use a CISE listing as a way to raise its visibility and get comfortable with the requirements of being a listed company and then – once it has grown – transition to being listed on a major global exchange. In this way, the CISE might be considered an ‘incubator exchange’ or a ‘stepping stone’. That is likely to be a longer term objective but in the meantime new businesses should still ensure that they are adequately planning for the future and as part of that consider how an exchange listing could aid their ambitions.

S TAR T - U P S & F LE DGLI NG BUS IN E S S E S

Insuring a successful future for start-ups Setting up your own business can be costly and more expenditure than income means analysing every cost but as Glyn Smith Rossborough’s commercial manager explains, having the right insurance is a necessity. Business insurance exists to protect your investment in your business. It can also help you should accidents occur and members of the public or employees are injured as a result of your negligence and they seek financial compensation from you. Most commercial insurance cover is optional, but employers’ liability and motor insurance are both compulsory. What is important when you are starting a business is firstly to identify risks that may affect the achievement of your business strategy. You should seek help to identify and assess these risks through assessment and analysis of business intelligence and trends. Once you have determined your overall risk exposure, considering likelihood and impact of each risk occurrence, responses are required that may include avoiding, accepting, reducing, sharing or transferring risk. Insurance is a form of risk transfer. It allows you the peace of mind that, should the risk occur, your insurance company will make sure that you are put back in the same position as prior to the loss, that you do not financially suffer and that your business can continue to operate. In this article, I have given a brief overview of the types of insurance policies that you should know about and consider buying, however, every business is different and some cover may not be applicable to the type of business you operate. Public liability insurance provides cover against claims by customers or members of the public who suffer accidental injury or disease or whose property is damaged as a result of your business activities. It generally goes alongside products liability that

extends that cover to liability for injury, disease or property damage from goods you have sold or supplied.

incurred to maintain sales and production, for example, the costs of renting and setting up temporary premises.

Employers’ liability insurance provides cover against claims by employees who suffer injury or disease as a result of working in your business. Legal defence costs will normally be covered by public, products and employers liability insurance.

Expert advice will be necessary to set the level of your sum insured and the indemnity period (the maximum time it could take your business to fully recover financially from the most serious destruction or damage).

What is important when you are starting a business is firstly to identify risks that may affect the achievement of your business strategy. Property insurance covers the physical assets of your business. Buildings, contents, equipment, stock, machinery, and computers are at risk from fire, storm and many other causes. The result may be minor but it could involve serious damage, or total destruction. No two risks are identical and, with this in mind, cover can normally be arranged for a full range of perils plus accidental damage. Business interruption protects you following damage to your buildings or their contents when your production or trading ability is likely to be interrupted and your business may be put to considerable additional expense. Cover is available for loss of gross profit or revenue as a result of a reduced level of trading and reasonable expenses necessarily

Commercial motor insurance provides cover for you, your employees, and the vehicles you own, lease, rent or borrow – both on the road and off. This kind of policy provides financial protection against both damage to your vehicles and liabilities for damage to property or injury to people that may arise from accidents on the road. Professional indemnity insurance protects you if you are alleged to have provided inadequate advice, services or designs to a client through error or omission and covers you for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake. Other options you may need to consider for full protection are accident & illness cover for yourself and/or your employees, management liability insurance, employment practice insurance and cyber insurance. It can be complex determining the cover appropriate for your business. Advice from an insurance broker with business insurance expertise is critical. They will use their knowledge to structure your insurance programme, in line with your wishes and needs, and help you to choose the most suitable insurance company with the most suitable policy wordings and service propositions.

F I N T EC H

FinVention – a new event to showcase the island’s digital technological creativity and entrepreneurialism Fintech, innovation, digital entrepreneurs, invention and business diversity are all key phrases that abound in the fast developing world of financial and digital technology and how it can provide the pivotal competitive advantage for a company, organisation or corporation. FinVention 2016 supported by the States of Guernsey, will bring all these key phrases together in a new event that is about the “best of breed” in the world of innovative technological products and services in the fintech, digital and start-up sectors. Products presented at FinVention will be in various stages of maturity and will include Guernsey and International start-ups as well as mature businesses. Using a fast paced format whereby presenters will have no more than five to seven minutes to present their product or service, FinVention will be an interactive forum for people who want to: • present their ideas that will start a conversation with potential users, investors, purchasers and partners 30

• attract first or secondary investment for their technologically driven products and services • experience why Guernsey is a jurisdiction of fintech, digital and entrepreneurial invention FinVention 2016 will start at 08:30 on Tuesday 1 November and will comprise • 20 to 25 products that will be “demoed” throughout the day • a keynote speaker who will challenge conventional wisdom and thinking in the world of fintech and FinVention • two opinion leaders who will encapsulate the highlights of the morning and afternoon sessions • a happy hour + of networking at the end of the afternoon The topical subject of Blockchain will be the focus of a one-off FinVention workshop to be held at the Digital Greenhouse, Market Square, St Peter Port on the morning of Wednesday 2 November 2016.

FinVention 2016 on Tuesday 1 November 2016 is open to all to attend at the cost of £75.00 per ticket and includes breakfast, lunch and mid-morning and mid-afternoon refreshments. The products and services that are “demoed” will have exhibitor stands in the main conference hall so that delegates can have their own conversations with the originators of these progressive and technological and digital inventions. ‘Guernsey is already known as a jurisdiction of excellence for its financial sector. FinVention 2016 is the island’s opportunity to enlighten and inform delegates, demo presenters, investors and purchasers of the wealth of digital technological creativity and entrepreneurialism that is resident in Guernsey and to get to know the people behind the great ideas,’ said Deputy Andrea Dudley-Owen, member of the Committee for Economic Development which is supporting this initiative.

F IN T EC H

Max Hilton from Clarus Risk explains the increasing role fintech solutions play in risk management and reporting

Following the global financial crisis there was a reactionary demand for greater transparency and independent risk reporting, and our early clients were typically fiduciaries invested in alternative investment funds, requiring a risk governance solution. Over time, regulation has become an increasingly important driver for risk management solutions, in particular funds legislation such as the Alternative Investment Fund Managers Directive (AIFMD). Clarus’s core institutional offering, RiskMonitor® addresses AIFMD regulatory risk requirements and has also attracted interest from insurance companies and FX brokerage firms with similar regulatory risk demands. RiskMonitor serves as a glue between key counterparties within an investment structure, typically taking position-level and NAV data supplied by the fund administrator, or custodian, and providing risk data and reports to those responsible for risk oversight and governance. As such, each client is provided with a customised solution since the combination of counterparties, necessary risk calculations, and reporting requirements is unique to each client. We normally provide initial consulting at take-on to ensure that on-going risk reporting is consistent with risk policy; that risk metrics are appropriate and consistent with those employed by the portfolio manager; and that the frequency of reporting is reasonable. On an on-going basis RiskMonitor is either administered by Clarus, or deployed as an application to clients. Our fiduciary solution, TopSheets, follows a similar model and monitors investment risk over time for trust and pension company clients. Such solutions represent an effective alternative to sourcing an ‘off the shelf’ product or to

developing risk systems ‘in-house’.” Clarus’s core business is financial technology, rather than consulting a, model which enables the firm to customise on-going solutions. Prior investment risk experience is also extremely important, and the founding directors of Clarus all bring complementary experience from leading investment banks and alternative investment funds. Our local funds industry benefits from an excellent reputation, particularly within private equity and private equity real estate, fund of funds and alternative finance. The funds industry in Guernsey is mature and provides a range of high quality service providers. This reputation continues to make Guernsey not only a highly attractive jurisdiction for funds, but also appealing for managers. We work with a number of managers who are new to the island, as well as those who have operated here for some time. Guernsey having been one of only three jurisdictions recommended as candidates for a ‘third country’ passport under the AIFMD last year has been crucial for the island and for individual businesses. We are involved more with ‘alternative’ asset classes, typically hedge funds but also private equity and real estate. We have seen increasing interest in AIFMD. In spite of initial resistance, perception of the legislation appears to be evolving to become desirable and internationally recognised, something which UCITS has clearly achieved. AIFMD was of course intended to provide a more robust regulatory framework for alternative funds; the challenge has been to apply a consistent set of rules and requirements for such a heterogeneous industry, and risk management has been one of the areas

that has posed the greatest difficulties, particularly in its application to less liquid asset classes such as private equity. Meanwhile, we have seen a growing interest in the use of managed accounts as an alternative to investing in a hedge fund. The drivers behind this trend appear to be the growing bargaining power of hedge fund investors to be able to negotiate their own managed account rather than being an investor in the fund; and, the operational improvements on the part of alternative managers in being able to facilitate this. Our role is typically to monitor a specific account as well as to aggregate and monitor an investor’s exposure across all managed accounts. 2016 is proving to be another challenging year with broad hedge fund indices such as HFR showing a loss in Q1, following a loss during 2015. Such a tough market environment is bringing even greater scrutiny to bear on managers to demonstrate that any excess returns are truly skill based and worthy of the associated higher fee structure. Commodity markets and commodity dependent economies have also endured a torrid time recently and we see interest in new funds looking to take advantage of specific distressed market opportunities. Clarus Risk was recently awarded ‘GoodAccredited Standard 2016’ by Goodacre UK and was named ‘Most Innovative Offshore Companies of 2016’ by Acquisition International Magazine; Clarus Risk’s RiskMonitor® was named Best Risk Measurement Reporting Solution in the 2016 Offshore Excellence Awards, organised by Acquisition International Magazine.

F IN T E CH

Leveraging partnerships: delivering the CI’s fastest 4G mobile network

Committing to delivering a brand new £12 million advanced LTE 4G mobile network in the Channel Islands meant JT needed to completely overhaul its existing 2G and 3G mobile network, including replacing it entirely in Guernsey. JT Guernsey’s managing director, Paul Taylor, explained how they built a partnership across continents to enable the delivery of Guernsey’s fastest mobile network - one that has the capability of supporting Guernsey businesses well into the future. Q. How did JT go about introducing 4G to the Channel Islands? When planning our mobile network replacement programme, our primary goal was to meet growing user needs for mobile data and bandwidth. We undertook a rigorous selection process to ensure we found the right supplier and partner. Investing many millions of pounds in a new network meant we had to get this decision right first time, which is why we chose world-class partner ZTE. Having had prior experience working with them as a leading global provider of telecommunications and network solutions, we knew they would be the right partner, who would provide not only the best advanced 4G technology but also strategic on-going support. Q: What is the significance of JT’s 4G rollout to Channel Island businesses? When we talk about the 4G rollout, we actually took out the entire 2G and 3G networks and completed a full upgrade to our CI mobile network. Working with ZTE meant we installed the most advanced equipment, ensuring improvements in both the reliability and quality of service that we provide to our customers.

Now that we have an advanced network, our customers not only get excellent coverage but also access to the fastest mobile data speeds in Guernsey. Since launching the network we’ve seen speeds of more than 200 Mbps, which is more than four-fold faster than the speeds customers were experiencing on the old 3G network. The benefit of this for customers has been a more seamless mobile data coverage and the opportunity to make the ‘mobile office’ a genuine reality, specifically for smaller businesses who rely on this to run their daily operations. Q. You claim to have the fastest network in Guernsey? We recently ran a 4G challenge in Guernsey and we received 400 independent speed tests from members of the public across all the island’s networks. That data showed that JT’s 4G network achieved the fastest average and top mobile data speeds across the Island, making JT’s network some 19% faster than either of the other local operators. What that means for customers is the ability to do more on the go, faster. Even better for islanders, this average speed also far exceeds the averages seen in the UK, on any of the major network providers, by at least 58%*. Ultimately that means a better experience for our customers and access to superfast mobile data all over the island, like never before. This is in part due to the fact that JT used all the mobile spectrum allocated to us, which is also more than we had with 3G in Guernsey prior to 4G launch; meaning for customers better coverage and faster speeds. Q. What user issues has the new JT 4G network addressed? Previously, business users were focused on using voice services on our mobile network; increasingly the shift is to them requiring

the ability to use data on the go and vast amounts of it. From video and file uploads, to live streaming, our focus has been on building the infrastructure to meet that demand and our new 4G network enables all of these things. JT provides services to 18 of the world’s top 20 banks in the Channel Islands, alongside hundreds of local small and medium size businesses and they all have one thing in common: a demand for consistent connectivity and reliability. In parallel to data use, the Channel Islands have more Smartphones per head than most places in the developed world, making this one of the most digitally advanced places in the world. That was another driver for us in creating an advanced, faster 4G network: to deliver the connectivity and reliability which allows our customers to get the most from their mobile devices. Q. What’s next? We’re coming to the end of a big investment phase which has seen us completely switch out our fixed network infrastructure, introduce fibre-optic services, swap out our mobile network for a new advanced LTE 4G network and introduce a new billing and customer operation system. 2016 is therefore a year of consolidation, making everything we’ve put in place over the past three to four years works really well together, to create customer service excellence and continue to satisfy customer demands for data, at an affordable price. By partnering with ZTE, we have been able to put in place a mobile network that supports our customers now, but is also future-ready so that when the next mobile developments reach our shores we can support them. *Vs. the fastest UK average speed of 33.03 Mbps (EE), source: www.speedtest.net/ awards/gb

Set your future in Granite The Granite RATS is an affordable new pension scheme tailored for residents of The Bailiwick of Guernsey who want a simple and tax efficient pension solution. The Granite RATS only invests in a small number of locally managed funds keeping management charges to a minimum. The key advantage of the Granite RATS is the advice that Collenette Jones can provide in making your pension scheme as tax efficient as possible ensuring that your pension delivers you the maximum benefits for the years ahead. So why not contact us on 246324 and we can discuss how the Granite RATS can help build strong foundations for your future.

T: 246324 E: granite@cjco.gg www.cjco.gg Crossways Centre, Braye Road, Vale, Guernsey, GY3 5PH

TAX AT ION

How can I pay less tax? Gareth Nicolle, director of Collenette Jones, gives us a few tips on how to reduce your income tax liability

It won’t surprise you that, for those of us working in general practice, this is one of the most common questions we are asked! We all know people who claim that they put all of their expenses through their business, or that they pay no tax because they trade through a company that is taxed at 0% (and there is an extent to which some of this might be true) - but what about the ‘average’ person, whose main source of income is likely to be wages from an employer? Claim allowances Many of these are small, but claiming everything you are entitled to can make a significant difference to your overall tax bill. Whilst by no means a blanket right, there are certain occupations where the tax office grants an allowance (typically £50 - £100) to employees who are required to pay for the cost of cleaning their own uniforms – such as airline cabin crew, postal workers, police officers or nurses. Do you (rather than your employer) pay for membership of a professional body that is directly relevant to your employment? There is a large number of ‘approved’ bodies where fees paid can be offset against your taxable income. Have you borrowed money to buy a business, or shares in a business, in which you work? If so, you will be able to claim a tax deduction for any interest you pay on those borrowings. Depending on your shareholding, you may also be able to claim if you have borrowed money to lend to a trading company, or to purchase an asset used wholly, exclusively and necessarily in carrying on your employment.

Buy a house There are obviously many other factors to be considered when deciding to buy a house – not least whether you can afford it, and whether the bank will lend you the money – but you can currently claim tax relief against the interest paid on the first £400,000 of your mortgage. There is a cap on the total mortgage interest you can claim – currently £13,000 per borrower and this will reduce in coming years – but it is still an opportunity to reduce your tax bill significantly. Pay into a pension Not only is saving for a pension a good idea if you want to have any chance of a comfortable retirement, it is tax efficient. Provided a scheme is ‘approved’ by the Guernsey Income Tax Office, each person can contribute up to £50,000 each year and (depending on other factors, including earning sufficient taxable income) claim tax relief. Whilst there are not many people that can afford this level of contribution on a regular basis, maybe you have received an inheritance that you want to invest for your retirement – doing that via a pension is an opportunity to force the taxman to make a significant contribution to your savings. The tax benefits of a pension don’t end with tax relief on making a contribution. Most Guernsey pensions are now Retirement Annuity Trust Schemes which are very flexible vehicles, able to make loans to members prior to retirement and allowed to pay out 30% of the fund value as a tax free lump sum on reaching retirement age (subject of course to the terms of the trust deed, and an overall limit on the ‘tax free’ sum – currently £188,000).

Investing in a pension is not expensive, either – tax savings should far outweigh the costs involved. Collenette Jones now offers a multi-member scheme, “The Granite RATS” with a basic annual management charge of just £200. We can also offer ‘bespoke’ schemes, which have higher annual charges but offer significant benefits and flexibility to those with larger pension pots (typically £100,000 or more). Conclusion As you can see, there are simple steps that you can take to reduce their income tax bills and, what is more, they are things that many people already do, and most aspire to. However, the Tax Office will not grant the allowances unless you claim them – in many cases, they will not even know you are entitled to claim unless you tell them – and everybody should check their tax assessments to make sure that they have been given all the allowances they have claimed! In addition, for those working for themselves, there are further opportunities to (legitimately) mitigate income tax bills by claiming all appropriate expenses against your business income and / or trading via a company. If you would like to discuss any of the points raised in this article in more detail, or if you would like advice on your income tax affairs, please contact me or one of my fellow directors here at Collenette Jones. This article has been prepared as a general guide. It is not a substitute for professional advice. Neither Collenette Jones Limited nor its directors or employees accept any responsibility for loss or damage incurred as a result of acting or refraining to act upon anything contained in or omitted from this article.

EELPEO LPPOOEPEPLE P

Andrew Peedom and Chantal Barrett, Mourant Ozannes Andrew and Chantal have been promoted as counsel in the firm’s litigation practice. Andrew specialises in complex commercial litigation. His practice includes cases involving financial services businesses, share disputes and contentious trusts disputes. Chantal specialises in defendant insurance litigation, particularly personal injury, fraud, clinical negligence and professional indemnity. They are two of nine similar promotions across the firm’s global network. Jonathan Rigby, global managing partner, said: ‘The large number of promotions this year reflects some key developments we’ve made to the Counsel role at Mourant Ozannes. I’m very much looking forward to continuing to work with these individuals as they develop. Congratulations to all concerned.’

Anna Guggenheim QC, Babbé

Brian Bethell, KPMG

Anna is an advocate in the firm’s dispute resolution team. She is a highly experienced litigator having practised for over 20 years at the Bar in London, undertaking a wide variety of commercial litigation. Her experience includes international arbitration and mediation, both as counsel and as arbitrator/mediator.

Brian has been promoted to audit director for KPMG.

Managing partner Andrew Laws said: ‘We believe that the quality of our people is what matters to clients. We were therefore delighted to recruit Anna two years ago and I am not surprised that she qualified as an advocate locally in the shortest possible time in April this year. We are now very pleased to welcome Anna to the partnership.’

He will work alongside a pan-island department of 15 audit partners and directors and 144 audit professionals. In his new role, Brian will lead the audits of a wide range of clients in the fiduciary, investment management and banking sector. He will also have a leading role in other service areas such as cyber security. Jason Laity, Channel Island chairman, said: ‘Brian’s experience with regulatory change across the banking industry will be of significant benefit to our clients as they navigate such areas as the local impact of ring-fencing, Basel III and other matters. We are delighted to welcome him to the leadership team.’

Jordan Dodsworth, Donkeylogic

Lindsay Ozanne, Butterfield Trust

Mandy Hunt, Insurance Corporatation

Jordan is Donkeylogic’s new technical support consultant. He will provide first line technical support for the company’s Mac service line, as well as running the busy workshop.

Lindsay has been appointed Butterfield Trust’s deputy managing director.

Mandy Hunt has been appointed general manager bringing over 20 years’ experience in the insurance sector.

This new role has been created in response to Donkeylogic’s growing client base and increased demand for its services. Managing director Justin Guilbert said: ‘The company has grown steadily since we launched and we now need more technical support to service client needs. Jordan’s appointment will enable me to focus on business development and the company’s future growth strategy. We are delighted that he has joined us and I am sure he will make a valuable contribution to the company’s future.’

Lindsay has over 25 years’ experience managing the financial and estate planning interests of private clients. She joins the firm from RBC Trustees (Guernsey) where she was private client director, responsible for the Guernsey-based relationship management teams specialising in establishing and administering trust and fiduciary structures for high net worth individuals and their families, with a particular focus on East Asia. Paul Hodgson, managing director, said: ‘We are pleased to welcome Lindsay to the Butterfield team. She is one of Guernsey’s most respected professional trustees and shares our vision of what a great trust company should be.’

An associate of the Chartered Insurance Institute, Mandy has held a number of senior roles with multinational insurance group RSA in Croydon and Redhill, before moving to Insurance Corporation in 2015. She is looking forward to her new challenge: ‘After working in insurance for over 20 years, I am focused and passionate about delivering exceptional customer service. When the opportunity to lead the ICCI business came about, it was too good to miss.’

The recruitment people For further information please visit www. situations.gg

EELPE LPPOOP OEEPLPE

Dan Collins, EY

Derek Beatty, Julius Baer

Jim Faulds, Ipes Group

Dan Collins has been appointed senior tax manager.

Derek Beatty has been appointed as executive director and senior portfolio manager. He spent the last 11 years at Credit Suisse, including three years in Credit Suisse’s London office. He is a CFA charter holder and has a master’s degree in corporate finance and accounting.

Jim is Ipes Group’s new chairman. An experienced non-executive director, he spent his executive career in advertising, founding Faulds Advertising, and growing it to become Scotland’s largest advertising agency. Jim has served on the boards of a number of listed and private equity backed companies.

He will be primarily focused on providing UK and International tax advice to trustees and individuals. Dan has worked as a chartered tax advisor for international professional services firms for the past 13 years including eight years in Guernsey in a ‘Big 4’ environment. David White, EY’s head of tax in Guernsey, said: ‘This is an important time for trustees and private clients in the run up to UK tax changes from April 2017 and Dan’s expertise is a welcome addition to our trust and private client tax practice. His leadership skills will help drive this growing area for the firm.’

Craig Allen, head of portfolio management in Guernsey said: ‘We are delighted to welcome Derek to the investment team. His deep investment knowledge will be of great benefit to our clients. With further hires in the pipeline, Julius Baer’s front office continues to grow, demonstrating our commitment to providing locally based relationship management and investment management services.’

Chris Merry, chief executive, said: ‘I am delighted to welcome Jim to the board of Ipes. He will be a great asset in view of his previous experience in building a customer-focused business and working with a variety of growth businesses in different sectors.’

Michelle Brehaut and Chrisy Baker, Montagu Evans

Oliver Smart and Davey Sandiford, Logicalis

Paul Hodgson, Pete Johnson and Derek Maddison, GTA University Centre

Michelle has been promoted to associate director and Chrisy becomes property manager. Michelle, who holds a post-graduate diploma in surveying and is a member of the Royal Institute of Chartered Surveyors, manages a large portfolio of commercial properties in Guernsey and Jersey. Chrisy ia a qualified architectural technician and in her new role, she will work alongside the commercial surveyors and cover all aspects of property management.

Oliver (left) joins as a cyber security specialist. He has worked across a wide range of clients within multiple sectors, providing both one-to-one support and delivering large-scale projects.

Paul, Pete and Derek have been appointed to the GTA board.

With over 20-years’ experience in IT, Davey (right) has a broad industry knowledge having worked for local service providers and within the telco, legal, and banking industries.

Managing director Tony Rowbotham said:

Ricky Magalhaes (centre), head of offshore security said:

‘Both Michelle and Chrisy have proved themselves to be invaluable members of the Montagu Evans team and contributed to the continuing growth of the company’s commercial property portfolio in Guernsey and Jersey.’

‘As the threat of cybercrime increases, security is the largest growth sector within the technology realm. We look forward to working with Oliver and Davey to enhance the provision of our security services in the Channel Islands.’

Paul is managing director of Butterfield Trust (Guernsey); Pete was until recently a group director and CIO of First Central Group; and Derek, who will represent GIBA, is senior vice president at Marsh Captive Solutions. David Leafe, GTA chairman said: ‘All three are very experienced businessmen with a strong interest in education and training. They will bring knowledge of their business sectors and a strategic approach that will help us set a strategy to support both the current and future economic environment.’ Pictured L-R Pete Johnson, Paul Hodgson, Derek Maddison and David Leafe

Meet the team Left to right Jenny Melissa Nadine Rebecca

Liga Anna Becky Patrick

email team@situations.gg or call us on 710639

www.je.logicalis.com | www.gg.logicalis.com

You focus on your business weâ&#x20AC;&#x2122;ll deliver the IT.

Impartial and trusted IT partner.

Improving your IT efficiency.

Enhanced security services.

Improved disaster recovery.

Knowledgeable and friendly support.

Data stays on island.

Call Guernsey on 737000 or Jersey on 288088 for a free no obligation and confidential discussion on how Logicalis can help your business to make the right IT choice.

Guernsey +44 (0) 1481 737 000

Email solutions@gg.logicalis.com

Jersey +44 (0) 1534 288 088

Email solutions@je.logicalis.com

ISL A N D EC ONOMIC S

GUERNSEYâ&#x20AC;&#x2122;S ECONOMIC DEVELOPMENT Following the general election and the introduction of a new system of government with six committees instead of 10 departments, much attention has been focused on how the Assembly as a whole will operate and on the role of the coordinating Policy and Resources Committee. For the islandâ&#x20AC;&#x2122;s business community, however, more attention should be paid to the Committee for Economic Development and the States Trading Supervisory Board. Richard Digard explains why.

ISL A N D EC ONOMI C S

Two different interviews, two different individuals – and a surprising amount of overlap. Let me explain. There’s a lot to keep an eye on in the new-look system of government Guernsey’s just adopted and much of it – like chief executive Paul Whitfield’s Public Sector Reform project and the creation of his new senior team – is largely under the bonnet and out of sight. Which, presumably, is why so much attention has been paid to who’s on the ‘senior’ committee of Policy and Resources and whether the new Assembly will prove to be more united and embracing of collective responsibility given the other committee presidents have their own chosen teams around them and there are now more women in the mix. Two or three States meetings should help to indicate whether this is the case or not and that’s before political tensions over matters like the future of education and the waste strategy come into play. In the meantime, the island’s business community and many of its residents are more concerned about the state of the economy, depressed property prices and prospects for the future, which the recently released Chamber of Commerce/Island Global Research Business Trends Survey graphically demonstrated. The newly created Committee for Economic Development clearly has a role to play in addressing some of those issues – but so too

has the States Trading Supervisory Board, albeit in a slightly different way.

both Deputy Ferbrache and Simon Elliott set out how they see the task in hand.

Retired advocate and former conseiller Peter Ferbrache has returned to the States after an absence of 16 years and is heading Economic

And there’s a common theme between them: the need for government to act in a much more financially focused manner.

There is no commerciality in the States as an organisation whatsoever. I wish the outcome of the Pfos case [in which the taxpayer is facing an £8 million bill for dropping its compensation claim against 3M] surprised me but it doesn’t, It was no surprise at all

Deputy Ferbrache is blunt: ‘ There is no commerciality in the States as an organisation whatsoever. I wish the outcome of the Pfos case [in which the taxpayer is facing an £8 million bill for dropping its compensation claim against 3M] surprised me but it doesn’t,’ he said. ‘It was no surprise at all.’

Development while Assembly veteran Dave Jones is president of the STSB, with Simon Elliott, previously the States chief corporate resources officer, as his managing director. In separate interviews with Contact and – because of magazine deadlines – before the first formal meeting of their respective teams,

The reason, as revealed in the PwC assessment of governance and control process, is that no one in the former Public Services Department was actively in control of the events that unfolded or understood the commercial risks they faced. He then lists other areas of which he has close knowledge where government departments or individuals have failed to understand commercial realities or timescales and describes as ‘amateur and inept’ the £14 million cost of setting up the island’s £330 million bond and then finding there were expensive break clauses preventing States entities from clearing existing loans and drawing from the bond instead. Changing that mind set is a priority and he wants to see the civil service culture become less risk averse and certainly more open and entrepreneurial. Simon Elliott’s view is similar in that the incorporated and non-incorporated entities the supervisory board is involved with – the

IS L AN D E CON OM IC S States Trading Assets – need to be operated in a much more business like fashion and with a tightly defined sense of purpose so they can make an adequate return to Guernsey plc. Peter Ferbrache: securing prosperity means changing attitudes Much has changed since Peter Ferbrache was last a member of the States of Guernsey. It is, he acknowledges, a different era and one in which the economy is ‘not in too good a place’, but far from doomed. In fact, while talking at the Heritage Insurance/IoD lunch last month he turned to the audience and said: ‘I’m fed up with some of you here talking down the Bailiwick of Guernsey – we have a thousand reasons to be confident in this island.’ Establishing confidence – something he says Jersey has been better at – is a key part of the Economic Development vision and the next four years is vitally important for the island and so the time it takes the States to achieve things has to be dramatically shortened. Dealing with the island’s waste is an example of that need, he says. In terms of his role as president of the Committee for Economic Development, he makes the point that its purpose statement can be edited down to just three words – ‘to secure prosperity…’ and that all the important but time-consuming matters which the former Commerce and Employment Department had to deal with has been taken away from his committee. That leaves it free ‘to secure prosperity through the generation of wealth and the creation of the greatest number and widest range of employment opportunities possible by promoting and developing business, commerce and industry in all sectors of the economy.’ And to discharge that mandate, Deputy Ferbrache is clear that the committee has to be a facilitator as well as a changer of attitudes and culture within the public sector. Improving off-island links is a priority because Condor and the airlines have a big impact fiscally and he points to Alderney – saying it appears in a ‘perilous’ position – to illustrate the need for good links working in a community’s best interests. Early meetings are planned with colleagues in Alderney and also with the carriers ‘and we have also to work with Jersey to meet the

needs of both islands.’ He will be pressing for the automatic and immediate release of Condor chief executive Paul Luxon’s comprehensive service review to analyse its routes, its timetabling, including whether there are sufficient day-trips, and whether the overall service would benefit from a new vessel. And Deputy Ferbrache’s own view is that he would like to see ‘a Clipper II’ in the fleet and less emphasis on high speed craft to improve reliability of passenger and freight services. He is also adamant that no cherry picking of profitable services should be allowed as a new contract between the States of Guernsey and Condor Ferries is negotiated.

can go – and unbelievably we’re evicting them from States owned land at La Fontaine Vinery – and what happens with hotels and new office blocks. ‘The Island Development Plan is crucial to the wellbeing of this island over the next 10 years,’ he says. Since the 1980s, however, ‘every plan has been interpreted restrictively by the planners and this reflects poor, poor, poor, political leadership,’ and has to change. ‘Silly’ decisions include preventing Stan Brouard from opening a café while ‘quite properly’ Earlswood and Le Friquet both have these facilities.

‘I believe it is better to have a conventional ferry and there are questions over whether Liberation is suitable,’ he says. ‘Does it have a long term future?’

He is also critical of the time it has and is taking to develop Leale’s Yard but is less bullish on dealing with white van man. That is being looked at, any legislation is difficult and has to be cost effective and balance competition with restrictive practices.

That said, designing and building Clipper II could take three years and cost £60 -70m, although he quotes Condor as saying the money is there and the operator expects to follow the conclusions of the review, due to be published this autumn.

Deputy Ferbrache does not accept that finance is in decline and points to Guernsey growing its GDP, although slowly, and is more critical of previous States allowing policy growth without the corresponding resources.

On Aurigny, he says the need to protect the Gatwick slots means that not only will the island have to continue owning the airline but also supporting it financially.

He also says that balancing the island’s books has to be achieved by increasing revenues – not raising taxes or charges to use government services.

‘We need to accept that we will have to subsidise Aurigny forever,’ and points out that Jersey with its 100,000 population operates one airport while Guernsey, with just 63,000 residents has two, including Alderney’s.

The financial services sector has a big part to play looking forward and diversification into areas like fintech are being pursued while he will be seeking extra funding for Guernsey Finance to continue its promotional work.

The other pressing need is to increase the length of Guernsey’s runway, something that should have been undertaken at the time of the recent major works there, to accommodate seasonal or occasional flights by easyJet or Ryanair and to act as an economic enabler.

Deputy Ferbrache is also supportive of tourism and points to the successes of people like Pat Johnson and others in the private sector in developing the product almost despite the States by cutting through red tape and getting on with things.

He is a strong supporter of the construction industry which he says employs 10% of the workforce, at 3,500, but which is suffering from a lack of cranes in the air – a reference to the current lack of activity in the sector. In that context, he will be calling for the immediate release of the planning inspector’s comments following the completion of the formal inquiry into the Island Development Plan and not waiting until the autumn, as scheduled. ‘It’s too important to delay like that. What the inspector says affects where Fred in the Shed

He is also enthusiastic about plans to enhance the Little Chapel and develop Saumarez Park, Home Farm and La Mare de Carteret into a new attraction. ‘If Guernsey has confidence in itself it can achieve these things,’ he says. ‘and will be able to secure the prosperity we all want.’ ‘Fit for sale’ is test of success for Trading Board’s MD. A quick look at the duties and responsibilities of the States Trading Supervisory Board indicates it has one of the widest mandates of the reformed system of

ISL A N D EC ONOMI C S government – and an unprecedented level of reach. While carrying out the States’ role as shareholder of the incorporated companies owned by government – Aurigny, Guernsey Electricity, Guernsey Post and tankship owner/operator Jamesco 750 – might be clear, the wider remit is less so. That includes being the waste authority, looking after property and the corporate engineering and architectural services as well as overseeing the other trading, but not incorporated, areas like the ports and the Dairy.

STSB to ensure the States trading assets understand why they are there and how they are expected to perform. The STSB has to ensure the efficient management, operation and maintenance of that for which it is responsible, and this includes property and real estate owned or leased by the States. The island’s biggest property owner, it has a portfolio that includes 1,691 acres of land and approximately 2,600 properties valued for rebuild at £2.2 billion – but no clear idea what to do with it or what return it should expect from it.

Tasked with making sense of this is Simon Elliott, previously the States chief corporate resources officer and who was brought in six years ago to look after HR and organisational development within government. As MD, but speaking personally ahead of the supervisory board meeting and appointing its non-States member representatives, he is clear about the task ahead. ‘In essence, it’s about getting the individual elements fit for sale.’ He’s quick to point out that actual sale isn’t on the agenda but since all the areas under the STSB’s umbrella operate and act like businesses, it is an obvious move to get them looking and working like businesses, with sound balance sheets and making sound returns. ‘We need to stop them thinking like States departments and ensure they are as ripe for purchase as if we were going to sell them,’ he says. This is an exciting opportunity and involves understanding the various elements for which STSB is responsible and helping to change attitudes and culture among staff. It’s also about being clear over what’s required from the various divisions in terms of environmental, social and financial outcomes. These will vary. In the case of Guernsey Electricity, the KPIs include minimising greenhouse gas emissions, maintaining security of supply but also making a financial return to the shareholder. That obligation was only comparatively recently applied and Simon mentions it as an example of the changes required by the

Policy objectives will be set by Policy and Resources and the States and it will be for the STSB, working with the trading assets, to convert those policies into tangible outcomes. And because there will be one body with overall responsibility, Simon expects that to produce other benefits. He quotes Aurigny’s prices as an example and how cheaper fares might bring more tourist and business benefits. ‘If you look at what makes up an Aurigny fare, you see that some of the cost is actually imposed by government, through airport charges. ‘That means in theory fares could become cheaper if you look differently at how you fund the airport or how you expect the airport to perform financially.’

There’s a very wide mix of skills in the States and I’m confident that if you make the cultural change and put civil servants into the commercial equivalent of a management team then they can adapt very quickly He says the supervisory board is a different approach for government as it has political members in Deputies Dave Jones and Jeremy Smithies but may or may not have a majority of non-States members, who have been advertised for. While not interfering, especially with the existing boards on Electricity, Guernsey Post and Aurigny, it will help those directors to be clearer on what the shareholder/taxpayer expects from them, whether that’s dividend payments or, perhaps in the case of the airline, providing economic benefits for the island.

The titles of the civil servants running the trading entities have been changed to general manager, reflecting their enhanced accountability and responsibilities, and that is just part of the cultural change taking place. However, Simon is complimentary about the skills and attitudes already in place across much of the STSB’s portfolio. ‘There is outstandingly good customer focus in some areas and a huge amount of commitment from staff in providing it and some long hours worked to do so.’ Keeping the airport open late and to clear flight backlogs are an example and building on best practice is a priority for the board. Other illustrations are Guernsey Water’s aspiration to predict flooding on a per-property basis, which would extend to targeted warnings and an advisory service, providing any-tide walk-ashore flexibility for visiting yachtsmen, and the States Works Department apprenticeship scheme. ‘There’s a very wide mix of skills in the States and I’m confident that if you make the cultural change and put civil servants into the commercial equivalent of a management team then they can adapt very quickly,’ he says. ‘At the end of the day, we have to show that these areas are operating efficiently and effectively and the clearest way of demonstrating that is to make them attractive to a buyer, whether you intend to do so or not.’

Getting from A to Z made eazy.

Barras Car Centre are proud to offer one of the most comprehensive A – Z business vehicle user packages available on the market today. Whether you are a sole trader with one vehicle or a larger business with a fleet, we can offer a package which will guarantee you total peace of mind and ensures that your business will never be without essential transport. This offer can also apply to other members of your team currently enjoying a car allowance. Main features include: • Hyundai range of vehicles priced from just £6995. (Normally £7495). • 5 years free routine servicing. • 5 years unlimited mileage manufacturer’s warranty.

• 5 years roadside assistance. • Free collection/delivery or provision of free courtesy vehicle to ensure business continuity. • Tailored/Individual funding packages available through Black Horse Offshore Limited subject to status and their normal terms and conditions • Same terms available to employees currently enjoying a car allowance scheme (subject to normal terms and conditions). Barras Car Centre Ltd. a locally owned, family run, independent garage have enjoyed a 25 year relationship with the Hyundai marque. Now globally ranked a top 5 automotive manufacturer, the brand regularly achieves over 10% of the local retail new car market. Should your business be considering replacing one or more vehicle at any time in the future, we would be delighted to advise you and provide a tailored financial package to suit your individual needs.

Simply call Paul Guilmoto, Sales Manager on 249915 and we will do the rest.

www.hyundai.co.uk

Barras Car Centre Ltd 01481 249915

Unit 3, Vale Garage Complex, Braye Road, Vale, GY3 5PA www.barrascarcentre.co.uk

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

DOING THE RIGHT THING Being a good corporate citizen is central to one of the four pillars of Saffery Champness Registered Fiduciaries’ business plan.

Commitment to the Guernsey community has become part of the culture and corporate personality of the firm, demonstrated through a combination of employee engagement, volunteering and hands-on involvement alongside fund-raising and direct financial donations. And this commitment and focus has not gone unrecognised. The firm recently

triumphed at the Citywealth Brand Management and Reputation awards winning a silver award for ‘Corporate Social Responsibility (CSR) Activity of the Year’. It was also named as ‘CSR Company of the Year’ at the Guernsey Community Awards last year for its involvement with charity and community projects across the island. These prestigious awards recognise Saffery Champness’s commitment to a wide range of Guernsey initiatives through

sponsorship, investment, volunteering and raising awareness across community, charity, sport, education and the arts. Most notable is its involvement with the Saffery Rotary Walk. Saffery Champness took over the sponsorship of the Rotary Walk in 2014 and has taken the event to new heights. Each year around 500 people, of whom 20% are UK-based, take part in Guernsey’s only around the island 39-mile

B U S IN E S S IN T H E COM M U N IT Y

walk and this year saw record numbers of walkers and the introduction of a relay option. The firm helped raise more than £80,000 for 20 local charities in the first two years of its sponsorship and a further 18 new charities are set to benefit from the funds raised by this year’s walk. Over the past three years Saffery Champness has fully immersed itself in the walk by joining the walk’s committee, attending regular planning meetings, providing printing, marketing and organisational support, manning stations along the route, taking part in the event and collecting sponsorship money. Sponsoring this initiative represents far more than just handing over a cheque. Saffery Champness provides considerable resource to all the projects and initiatives in which it is involved and the energy and enthusiasm of its team ensures that their efforts go above and beyond a monetary donation. Another example of the firm’s commitment to supporting local charities was its long-standing partnership with local cancer charity, CLIC Sargent Guernsey. The company’s three year relationship with CLIC Sargent saw Saffery Champness help the children’s cancer charity raise nearly £100,000 for CLIC Haven, a “home from home” for Bailiwick families whose children

are undergoing treatment in Southampton. The staff established an internal CLIC committee which used a variety of expertise to support the charity and come up with fundraising initiatives. This included the annual ‘50 Shades of Earl Grey’ afternoon tea event that raised £33,500 for the charity over the three years. Saffery Champness director, and head of the firm’s CSR activity, Lisa Vizia, said: ‘During the 39 years we have been in Guernsey we have established a cultural ethos of giving and volunteering throughout all areas of the company. ‘Our staff are very enthusiastic about our CSR initiatives and are encouraged to approach directors with suggestions for volunteering, donations, sponsorship and support in areas that specifically interest them or in which they are already involved. They also regularly volunteer their time to many charity and community projects, which is wholeheartedly supported by the business. ‘Saffery Champness has a generous budget set aside for CSR, which we allocate annually towards staff initiatives.

that each charity, project or initiative leaves a long-lasting legacy. It’s a pleasure to be involved in such a meaningful way and right at the heart of Guernsey’s very special community.’ The charities receiving funds from the 2016 Saffery Rotary Walk are: 1 Autism Guernsey 2 Drug Concern 3 Floral Guernsey Foundation 4 GSF Mental Health Fellowship 5 Guernsey Air Cadets 6 Guernsey Cardiac Action Group 7 Guernsey Contraceptive Service LBG – Choices 8 Guernsey Cricket Board 9 Guernsey Disability Alliance / Access4All 10 Guernsey Group of Riding for the Disabled 11 Guernsey Mencap LBG 12 Guernsey Sea Cadets Corps 13 La Societe Guernesiaise 14 Liberate

The firm also matches funds raised by staff members.’

15 St James LBG

‘Saffery Champness’s commitment to local charities is not just about good CSR; it’s about using the organisation’s skills to ensure

17 St Martin’s Primary School PTA

16 St John’s Residential Home 18 The Guernsey Bereavement Service LBG

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

Co-operative Eco-Fund donates to environmental projects

Guernsey Disability Alliance takes part in the Saffery Rotary Walk

C5 Alliance quiz raises £3,110 for Guernsey Mind

Sure Community Foundation supports Headway’s art group

Co-operative Society Helping Hands Fund donates £18,000 for local charities

Home Start receives £25,000 from Lloyds Bank foundation

Waitrose encourages students to eat healthily

B U S IN E S S IN T H E COM M U N IT Y

MUG, Priaulx Premature Baby Foundation and Teenage Cancer Trust benefit from Guernsey College of FE Family Fun Day

Le Mont Saint garage donates car to Locate Guernsey

Ravenscroft supports Dance World Cup team

Butterfield staff stay healthy with a boot camp from Lee Merrien

Offshore sponsors schoolsâ&#x20AC;&#x2122; maths challenge

MUG and MS Society benefit from Try-a-tri event

Orca raises ÂŁ1,400 at its fund raising quiz

A LL I N A DAYâ&#x20AC;&#x2122;S WORK

ALL IN A DAYâ&#x20AC;&#x2122;S WORK

Moldovan artist Eugen Gorean will be the first featured artist of the new initiative Art for Guernsey. Contact caught up with Eugen and his sponsor David Ummels, whilst he was on the island preparing for his exhibition.

AL L IN A DAY ’ S WOR K

Art for Guernsey is a charitable initiative and the brainchild of Guernsey resident David Ummels. David is himself a keen art collector and wanted to combine his love and understanding of art, with his more recently discovered love for the island and at the same time do something for charity. He has launched Art for Guernsey and has invited Eugen to be the initiative’s first exhibitor.

featuring the island. He found the island a real inspiration for his work: ‘Guernsey is truly beautiful with both stunning coastal views and interesting buildings. I have prepared a number of sketches from which I will finish the paintings in time for the September exhibition and I am very much looking forward to returning to Guernsey. The local people were incredibly welcoming and genuinely interested to see what I was doing.’

25-year-old Eugen’s artistic pedigree is unquestionable. He graduated top of his class from the Chisinau Art Academy in Moldova and, despite his young age, he has already exhibited all over the world including China, France, UK, Russia and Italy. He is recognised internationally as a highly talented watercolour painter.

Since David and Eugen first met, the artist’s career has gone from strength-to-strength and he is now a watercolour painter of global renown with a host of international accolades. He shows his work all over the world and following his visit to Guernsey he exhibited 10 of his paintings in the European Parliament. He will be returning to Guernsey in September to exhibit his work

All islanders will also have the opportunity to attend a workshop to watch Eugen create a watercolour capturing a scenic spot in Guernsey. The location for this and further details will be announced closer to the time of his visit. David moved to Guernsey just over a year ago and has felt at home since day one ‘I have lived in so many places around the world but Guernsey is an incredibly special place and I have never felt more settled anywhere and my family feels the same. I would like to get involved in the community and become involved in local life and this is one way that I can do this.

He came into contact with David at one of his exhibitions in France where David purchased two of his paintings. David contacted him following the exhibition and realised that despite Eugen’s obvious talent and his growing reputation, he was still struggling financially and even to buy drawing paper and materials was a challenge. As David explained: ‘It was the beginning of a rewarding relationship for me. I arranged to send him a shipment of high quality paper, and soon began receiving watercolours in return. Since then I have supported him with advice and industry contacts. I have also been able to commission artworks from Eugen, often when cash flow was critical for him to be able to move forward with his work. It has been wonderful to see his career progress through his talent and hard work. Now I would love for people in Guernsey to be able to enjoy his exciting art. It is simply watercolour at its best.’

weekday to run demonstrations showcasing his talent at turning a blank sheet of paper into a watercolour in just a quarter of an hour and encouraging individuals to get involved. ‘Art is a fantastic way to express yourself no matter what level of ability. It’s just a question of picking up the pencil or brush and having a go.’

‘In particular, I have been extremely most impressed by the level of courtesy and honesty of the islanders. It is so refreshing. ‘It makes you feel like you want to raise your own standards and contribute as well.

The exhibition will take place at the Market Square Inner Streets. There will be a private reception for sponsors to open the exhibition on 15 September and then it will be open to the public from 17 to 25 September. Any residual sponsorship money will be given to local charities. Eugen has also agreed to divide any profit on artwork sales equally with David, who will also be donating his share to charity. In this way it is hoped to raise a substantial amount for local good causes. Alongside the exhibition Eugen, will be involved with a number of community projects during his stay to inspire and encourage the young and old. He will be visiting schools and retirement homes each

‘That is how I came up with the idea of Art for Guernsey. The plan is to use my relationships in the art world to invite internationally renowned artists to exhibit their work in Guernsey. This initiative is very much about creating an opportunity for the islanders to discover high quality art for free. It is also about supporting the local community in donating all the profit generated by the exhibitions to local charities. ‘Finally, It is about using the presence of the visiting artists to actively engage with the social life of the island. They will visit schools, retirement homes, hospitals in order to bring art where it is most needed and try to bring happiness through art.’ Details of Art for Guernsey can be found at www.artforguernsey.com

YO U N G B USINE SS GROUP

YBG members were invited to Ziggurat to find out about the development of the hotel and the unique challenges its location presented during the work. One of the most appealing things about St Peter Port are the hilly streets of its Old Quarter. There are splendid viewpoints over the rooftops and coastline of Guernsey’s capital waiting to be admired by those who - through intention or faulty map reading - climb the various winding roads or steps to the town’s upper reaches. Constitution Steps, for example. Take this historic stone stairway from Market Square towards Clifton, and halfway up you’ll see a

big wooden door with a buzzer next to it. The building behind this door used to be Sunnycroft hotel. Now it’s called Ziggurat, and it’s a boutique hotel and Middle Eastern themed restaurant. The views are the same as those enjoyed by past guests of Sunnycroft, but virtually nothing else about the hotel remains. Owned by Genevieve Langford and Derek Coates, and managed by Paul Hanson along with a small but dedicated team, they have worked hard over the past year and a half to

create a venue that can fairly be described as unique to the island - not least because of its location. The clue is in the name. Ziggurats are massive stepped pyramids which were built thousands of years ago in the Mesopotamian valley and western Iranian plateau. Guernsey’s Ziggurat has, like its namesakes, embraced the challenge of building on a steep gradient. Arts graduate Genevieve began the huge

YOU N G B U S IN E S S G ROUP

One of the biggest elements that interests people are the beach huts in the garden. You can eat in them and they’re heated in the winter.They’re unusual and people seem to enjoy something different project of re-imagining the Sunnycroft site at the start of 2014. While some industry professionals were warning her to be careful and keep things simple, she was encouraged to just go for it, to do something really different and interesting. That was very important, she says. ‘For example in the garden, we thought should we perhaps create a terrace? First thought was to use wooden decking, which is lighter to carry down all the steps. But then we decided that stone paving would be much nicer and had to give the bad news to the building team who now had to deliver and lay 100 square metres of paving slabs. ‘There are 44 steps down to Ziggurat - that may not sound like a lot, but if you are carrying stone slabs you feel every single step. ‘It was a lot of extra work. Alongside the paving we also needed 15 tonnes of soil to level out the garden, delivered in buckets from the top of the steps. Luckily, the neighbours kindly allowed us to install a temporary slide from their land to bring materials in. ‘One of the biggest elements that interests people are the beach huts in the garden. You can eat in them and they’re heated in the winter. They’re unusual and people seem to enjoy something different.’ Paul, also a fine arts graduate, took his own leap of faith to join the Ziggurat team in August 2015.

‘I grew up in Grimsby, and studied art in Camarthenshire at West Wales School of the Arts. I did a fantastic sculpture degree there.’ Catering and hotel management are not as far away from fine arts as they might initially seem - both require creativity and enthusiasm, says Paul. ‘I had always worked in bars and restaurants, then I saw a job advertised in Wales for a bar supervisor. It was for a six-bedroom boutique hotel. Within a year I was general manager. Then I worked for SA Brain, a brewery company in Wales, including time at the Penhelig Arms in Aberdovey, a 15 bedroom boutique hotel on the stunning West coast.’ It was while he was in Aberdovey that Paul saw Genevieve’s advertisement for a position at Ziggurat, and took it up without ever having visited the island before. ‘I asked him, don’t you want to come and see the place before you decide? I didn’t realise quite how far Aberdovey is from Guernsey - it’s not just a matter of taking a flight,’ says Genevieve. Genevieve, Paul and their team work together to do whatever guests need - in the bar, restaurant, reception, housekeeping, accounting, marketing and interior design. The unique logistics of the site affect many things, says Paul, including what drinks can be stocked at the bar. ‘We don’t have draught beer because - well, imagine taking kegs of beer up the Constitution Steps. But it’s a lot more personal to have nice bottled beers. It’s a small team, in a small building, a small

hotel, and we make extra effort because of that.’ The furniture at Ziggurat was specially designed and made to make the best use of the space available, and the hotel has Filipe Almeida, the wife of hotel housekeeper Cecilia, to thank for that in particular, says Genevieve. ‘He can build anything. He adapts and makes everything fit the space available. He has come up with so many great ideas and is so much more than just a builder.’ It was hard work designing a hotel from scratch, not knowing exactly how to do it, but it was a lot of fun, says Genevieve. ‘Coming from arts backgrounds, Paul and I see Ziggurat as a giant installation project - we’re interested in how people respond to the hotel and how we can continue to improve their experience.’ In early June, Ziggurat hosted a lunch for YBG members and gave a talk about the development of the hotel. ‘We were honoured that YBG chose to come here, so that we could showcase what we are doing. We have an amazing team - and as most are under 40 we hope that sharing our journey with the YBG members will inspire other young people to take on different and bold projects in Guernsey,’ says Genevieve.

IN DI VI DUA L ME MBE R S Mr Guy Anderson guy.anderson@euporia.co.uk

07781 403604

Ms Corinne Joy corinne.joy@cwgsy.net

01481 710615

Mr Greg Archer gregonhorse@gmail.com

07781 437310

Mr Ronald Knight rgknight@cwgsy.net

01481 715150

Mr Richard Burwood rmburwood@gmail.com

07911 717021

Mr Paul Luxon pluxon@gmail.com

07911 103460

Mr David Byers davidbyers@ftml.net

01481 233151

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

01481 748033

Ms Fionnuala Carvill carvill@hotmail.com

01481 253236

Mr Nick McCathie Nick.McCathie@mccathie.gg

01481 266808

Mr Geoff Colclough gccolclough@yahoo.co.uk

01481 239372

Ms Carla McNulty Bauer carlamcnultybauer@cwgsy.net

01481 723276

Mr Robert Cooney cooney@guernsey.net

01481 256720

Ms Tamara Menteshvili tmhomeoffice@suremail.gg

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

07824 504298

Mr Joe Mooney mooney@cwgsy.net

07781 104511

Mr John Curran johnnypcurran@hotmail.com

07781 125047

Ms Susan Norman susan.norman@me.com

07781 123358

Mr Peter Daley peter_daley44@hotmail.com

01481 724000

Mr Steve Park stevepark@guernsey.net

01481 247592

Mr Baron Deschauer bdeschauer@gmail.com

07747 813076

Mr Tim Revill tim.revill@budconsulting.com

01481 239207

Mr Rupert Dorey rupertdorey@mac.com

07781 400400

Mr Tim Robins robins@cwgsy.net

01481 256625

Mr Fergus Dunlop dunlop@guernsey.net

07781 117980

Mr Chris Russell chris@tisef.com

01481 714292

Mr Roy Sarre madroy@cwgsy.net

01481 263930

Mr Mark Eban meban@spencerstuart.com

02702 298 8304

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

01481 240613

Mr Tomaz Slivnik slivnik@tomaz.name

07911 727642

Mr Wade Emmerson wade.emmerson@consultant.com

01481 234327

Mr Jeremy Smithies jeremy@smithies.gg

01481 246675

Ms Bella Farrell ifarrell@cwgsy.net

07781 416139

Mr John Stares j_stares@hotmail.com

01481 232790

Mr Bernard Flouquet bernard@flouquet.com

01481 254326

Mr Carl Symes carl@carlsymes.com

01481 724290

Mr Sean Fuller seanfuller@talk21.com

07911 718181

Ms Jenny Tasker jenny@taskeronline.com

01481 701528

Mr Julyan Gardener-Wheeler jgw@consultant.com

01481 266188

Mr David Thompson dejthompson@gmail.com

07781 100133

Mr Mike Garrett garrett@cwgsy.net

01481 726818

Mrs Gillian Tidd sassafras@guernsey.net

01481 258402

Mr Mark Gill markgillfca@cwgsy.net

07781 135448

Mr Roy Tilleard roy.tilleard@lornehouse.com

07781 162301

Mr David Gorvel davidgorvel@yahoo.co.uk

07781 165124

Mr Jeff Vidamour jvidamour@cwgsy.net

01481 267048

Mr Larry Granger larrygranger@cwgsy.net

01481 251168

Mr Darren Vogel darren.vogel@gmail.com

07973 506398

Mr Frederic Hervouet fred_hervouet@hotmail.com

07781 153007

Mr Tony Webber anthonywebber@cwgsy.net

07781 166349

Mr Jason Hill jasonhill@cwgsy.net

07781 137995

Mr Graham Waddington digitop2015gw@gmail.com

07911 729326

Mrs Anne Hough annehough1@gmail.com

07781 138042

Mr Hans R Wust hrw@cwgsy.net

01481 245134

Ms Sheila Innes sheilainnes36@gmail.com

01481 724014

Mr Hugh Johnson hughjohnson@suremail.gg

01481 713961

D IRE CT ORY

A Financial Services 01481 726277 www.2mi.gg

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

Distributors 01481 200510 www.a1.gg

A1 Distributors Ltd Sue Lesbirel orders@a1.gg

Financial Services 01481 751000 www.abnamroprivatebanking.gg

ABN Amro Guernsey Ltd Judy Snell info@gg.abnamro.com abt Alex Denoual enquiries@guernseylegal.com

Accent Language School Anna Lisa Detassis info@accent.gg Access Ltd Dan Hubert danhubert@cwgsy.net Action Coach Alan Chapman alanchapman@actioncoach.com

Legal Services 01481 724124 www.guernseylegal.com Education & Training 01481 714909 www.accent.gg Retail 07781 142888 Business Services 01481 711703 www.actioncoach.com

Active Group Limited Richard Barry info@activeoffshore.com

Financial Services 01481 711822 www.activeoffshore.com

Aeris Aviation David Hayman david@aeirsaviation.co.uk

Travel 07839 702859 www.aerisaviation.co.uk

AFR Advocates Rachel Sutton info@afradvocates.com

Legal Services 01481 743999 www.afradvocates.com

AG Accounting Services Limited Andy Gill andygill@guernseyaccounting.com Aircraft Servicing (Guernsey) Ltd Mark Parr info@flyasg.co.uk Airtel-Vodafone Ltd Ian Campbell 121@airtel-vodafone.com Albany Trustee Company Ltd Anthony Holt info@albanytrustee.com Albecq Trust Company Limited Mik Underdown info@albecq.com

Financial Services 01481 710004 www.guernseyaccounting.com Trades 01481 265750 www.flyasg.co.uk Telecommunications 01481 520121 www.airtel-vodafone.com Financial Services 01481 724136 www.albanytrustee.com Financial Services 01481 740300 www.albecq.com

Alderney Shipping Group Distributors Bruno Kay-Mouat 01481 724810 questions@alderneyshipping.com www.alderneyshipping.com Alliance Ltd Andrew Bagot alliance@cwgsy.net Alpha Estates Ltd David Ingrouille david@alphaestates.net Alternative Solutions Limited Neil Jordan solved@asl.gg

Retail 01481 246827 www.alliance.gg Property 01481 729891 www.alphaestates.net IT & Computing 01481 701234 www.asl.gg

Business Services 01481 252111 www.amalgamatedfm.com

Amalgamated Facilities Management Ltd Mark Edgar enquiries@amalgamatedfm.com

Retail 01481 245713

Amyson’s (1978) Ltd Dennis Steer

Retail 01481 253088 www.annandale.gg

Annandale Ltd Richard Ogier richardo@annandale.gg

Financial Services 01481 722260 www.anson-group.com

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

Legal Services 01481 723723 www.aohall.com

AO Hall Advocates Sarah Bourgaize info@aohall.com

Food & Drink 07781 143432 www.apéritif.gg

Apéritif James Le Gallez james@aperitif.gg

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

AP Group Ltd Andrew Cullen info@apgroupglobal.com

Legal Services 01481 755600 www.applebyglobal.com

Appleby Gavin Ferguson guernsey@applebyglobal.com Aquastar Ltd Geoff Wilson aquastar@guernsey.net

Home & Garden 01481 265296

Arborcraft Ltd Jonathan Skillett arborcraft@cwgsy.net Archivist Bryan Smitheram office@archiviststorage.com Armstrong Continuity Limited Chris Oliver info@armstrong-continuity.com Arrowsmith Marlowe Tracy Guille tracyasmlaundry@suremail.gg Artemis Trustees Ltd Robert Sinclair info@artemisci.com Ascot Barclay Group Ltd Mike Allen mike.allen@ascotbarclay..com Atec Engineering Limited Adrian Marsh atec@cwgsy.net Atlantis Marine Ltd Patrick Wheeler info@atlantismarine.biz Avant Garden Nick Martel nick@avantgardenguernsey.com

Marine 01481 244550 www.aquastar.gg

Business Services 01481 251484 www.archiviststorage.com Consultants 01481 251683 www.armstrong-continuty.com Cleaners 01481 247633 www.angoragroup.co.uk Financial Services 01481 729466 www.artemisci.com Cyber & Security Services 07839 700009 www.ascotbarclay.com Trades 01481 244977 Marine 01481 258514 www.atlantismarine.biz Retail 01481 246611 www.avantgardenguernsey.com

Avenue Clinic Dimi Argyros admin@avenueclinic.co.uk

Health & Beauty 01481 728798 www.avenueclinic.co.uk

AWS Design & Sign Group Steve Free awsgroup@cwgsy.net

Advertising & Marketing 01481 728283

B B&Q (Retail) Ltd Retail Grant MacGregor 01481 713005 GSY766.DutyManager@b-and-q.co.uk www.diy.com/store.guernsey/BQ_GSY766 Babbé Simon Howitt mail@babbelegal.com Babbé McCathie Don Babbé admin@bmlgsy.com BachmannHR Group Nicky Addlesee bmpsl@bachmanngroup.com Bailiwick Estates Sonia Taylor sonia@bailiwickestates.com

Legal Services 01481 713371 www.babbelegal.com Civil and Structural Engineers 01481 714344 www.bmlgsy.com Recruitment, HR & Payroll 01481 731059 www.bachmannhr.com Property 01481 714243 www.marketplaceguernsey.co.uk

Bailiwick Of Guernsey Guild of Accredited Guides Leisure Carla Bauer 01481 723276 carla.bauer@cwgsy.net www.guernseyguidedtours.com Bank Of Cyprus (CI) Ltd Andrew Dempster info@gg.bankofcyprus.com

Financial Services 01481 716026

Barclays Private Clients International Ltd (Guernsey) Financial Services Justine Gaudion 01481 755314 justine.gaudion@barclayswealth.com www.barclayswealtcom Barras Car Centre Ltd Martyn Torode martyn@barrascarcentre.co.uk Baudains Trade Supplies (BTS) Peter Baudains sales@btsgsy.com

Motoring & Biking 01481 249915 www.barrascarcentre.co.uk Retail 01481 248822 www.btsgsy.com

Betway Ltd Guernsey Branch Bridget Jennings guernsey@betway.com

Leisure 01481 746411 www.betway.com

BIS Operations Ltd Richard Hamilton richard@bis.gg

Business Services 07781 133040 www.bis.gg

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

Retail 01481 822722 www.fortismerchants.co.uk

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

Financial Services 01481 715200 www.blenheimgroup.com

Blenheim Group Alasdair Milroy info@blenheimgroup.com

IT & Computing 01481 746770 www.bleuit.com

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

Retail 01481 210280 www.bluediamond.gg

Blue Diamond Ltd Alan Roper alan@bluediamond.gg

Marine 01481 726071 www.boatworksguernsey.com

Boatworks+ Mark Nightingale info@boatworksguernsey.com

Home & Garden 01481 200011 www.bonsaigroup.gg

Bonsai Group Mathew Rolfe info@bonsaigroup.gg

Financial Services 01481 726655 www.booksandcompany.gg

Books & Company Ltd John Merrien enquiries@booksandcompany.gg

Funeral Services & Monumental Works 01481 721415

Bordage Monumental Works Ltd Martyn Renouf

Food & Drink 01481 714714 www.boulangerie.gg

Boulangerie Victor Hugo Reda Karim boulangerievh@cwgsy.net BPP Professional Education Sarah Colley guernseyinfo@bpp.com

Education & Training 01481 266176 www.bpp.com/guernsey

BCP CI Limited Simon Golland info@bcpci.com

Business Services 01481 241200 www.bcpci.com

Brehon Ltd Sarah Hancock accountants@brehon.co.uk

Financial Services 01481 233009 www.brehon.co.uk

BDO Limited Fiona McKane mail@bdo.gg

Financial Services 01481 724561 www.bdo.gg

Bridge Dental Clinic Anne Jenkins reception@bridgedental.gg

Health & Beauty 01481 245357 www.bridgedental.gg

Beckfords Funeral Services Ltd Jane Duquemin enquiries@beckfords.com Bedell Cristin Mark Helyar annie.zunino@bedellgroup.com Bella Luce Hotel & Spa Luke Wheadon wakeup@bellalucehotel.com Best Books Ltd Colin Langlois admin@bestbooks.gg Betley Whitehorne Image Chris Betley guernsey@wearebwi.com

Funeral Services & Monumental Works 01481 264202 www.beckfords.com Legal Services 01481 812812 www.bedellgroup.com

Bridgewater Limited Barry Le Pelley admin@bridgewater.co.gg Brittain Hadley Partnership Graham Hollingsworth guernsey@bhg.eu.com

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

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

Brooks Macdonald Jayne Warren guernsey@brooksmacdonald.com

Financial Services 01481 815555 www.brooksmacdonald.com

Financial Services 01481 253332 www.bestbooks.gg

Browns Advocates Adrian Brown enquiries@brownsadvocates.com

Legal Services 01481 740002 www.brownsadvocates.com

Advertising & Marketing 01481 723456 www.wearebwi.com

BSG Resources Ltd Peter Driver info@bsgresources.gg Bumblebee Marine Dan Meinke skipper@bumblebee.gg

Financial Services 01481 722221 www.bridgewater.co.gg

Trades 01481 812000 www.bsgresources.com Leisure 01481 720200 www.bumblebee.gg

Butterfield Bank (Guernsey) Ltd Richard Saunders guernsey@butterfieldgroup.com BWCI Group Stephen Ainsworth mail@bwcigroup.com

Financial Services 01481 711521 www.gg.butterfieldgroup.com Financial Services 01481 728432 www.bwcigroup.com

Home & Garden 01481 234000 www.channelislandceramics.com

Channel Island Ceramics John Litchfield mail@channelislandceramics.com

Retail 01481 723871 www.channelteddy.co.uk

Channel Island Toys Andrew Deane sales@channel-teddy.co.uk

Distributors 01534 825611 www.channelislandlines.com

Channel Island Lines Nigel Parry nigel.parry@channelislandlines.com

Channel Islands Competition and Regulatory Authorites Utilities Regulator Lisa White 01481 711120 info@cicra.gg www.cicra.gg Channel Islands Adjusters Limited Loss Adjusters Julie-anne Headington 01481 722533 julie-anne@ciadjusters.com www.ciadjusters.com

C C5 Alliance Limited Marc LainĂŠ enquiries@c5alliance.com Calligo Limited Andrew Wicks info@calligo.net Canaccord Genuity Wealth Management Andy Finch cgwm_offshore@canaccord.com Capelles Building Stores Limited Andy Le Flem sales@capelles.co.uk Cardiac Action Group Gerry Le Roy info@cag.org.gg

IT & Computing 01481 722575 www.c5alliance.com IT & Computing 03301 242090 www.calligo.net Financial Servces 01481 733900 www.canaccordgenuity.com Retail 01481 245897 www.capelles.co.uk Charity 07781 129539 www.cag.org.gg

Careers Events Limited Anthony Reynolds info@careersevents.co.uk

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

Careers Guernsey Sarah Stonebridge careers@education.gov.gg

Education & Training 01481 733044 www.careers.gg

Carey Group Tim Bush info@careygroup.gg

Financial Services 01481 737203 www.careygroup.gg

Carey Olsen Charlotte Barnes charlotte.barnes@careyolsen.com Catherine Best Paul Freeman sales@catherinebest.com Cazenove Capital Management Julian Winser julian.winser@cazenovecapital.com

Legal Services 01481 727272 www.careyolsen.com Retail 01481 237771 www.catherinebest.com Financial Services 01481 703700 www.cazenovecapital.com

CBL Consulting Nick Barton guernsey@cblconsulting.co.uk

Consultants 01481 244433 www.cblconsulting.co.uk

CBO Projects Philip Smith philip.smith@cboprojects.com

Consultants 07781 128208 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

Celaro Allison Forman celaro@cwgsy.net

Retail 01481 724721

Channel Design Consultants Bob Farrell bfarrell@cdc.gg

Consultants 01481 236004 www.cdc.gg

Channel Islands Co-operative Society Ltd Colin Macleod customer.relations@channelislands.coop

Retail 01534 879822 www.channelislands.coop Distributors 01481 201430 www.channelisland.lines.com

Channel Island Lines Nigel Parry hello@channelislandlines.com Channel Islands Motor Factors Ltd Nigel Robert nigel.robert@cimotorfactors.com

Motoring & Biking 01481 248411

Channel Islands Securities Exchange Mark Olliphant mark.olliphant@cisx.com

Financial Services 01481 753000 www.cisx.com

Channel Islands Training & Development Ltd Stephanie Bass mail@citd.co.uk

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

Channel Welders Retail Toni Clayton 01481 246262 enquiries@channelwelders.gg www.channelwelders.gg Property 01481 244544 www.chateaux.gg

Chateaux Estate Agency Ltd David Corson info@chateaux.gg Cherry Godfrey David Cherry admin@cherrygodfrey.com

Insurance Providers / Financial Services 01481 711666 www.cherrygodfrey.com

Chescoe Chartered Surveyors & Architects Architects & Surveyors Nigel Chescoe 01481 713137 nchescoe2@icloud.com www.chescoecharteredsurveyors.com 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 Climate Controls Ltd B H Bisson mail@climate-controls.com

Food & Drink 01481 726624 www.christies.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 Agriculture & Hortliculture 01481 263860 www.climate-controls.com

Hotels, Guest Houses & B&Bs 01481 832527 www.closdevaulcreux.co.uk

Clos De Vaul Creux Leigh Gibbins eng@closdevaulcreux.co.uk

Financial Services 01481 706780 www.cogentlimited.com

Cogent Limited Nick Ferris mail@cogentlimited.com Collaborate Communications Julie Todd julie@collaboratecommunications.com

Advertising & Marketing 01481 715222 www.collaboratecommunications.com Legal Services 01481 723191 www.collascrill.com

Collas Crill Iain Beresford guernsey@collascrill.com Collenette Jones Limited Gareth Nicolle mail@cjco.gg

Financial Services 01481 246324 www.cjco.gg

Comprop Steve Marie enquiries@compropci.com

Property 01534 631409 www.compropi.com

Condor Ferries Russell Kew reservations@condorferries.com Consult & Build Limited Tim Guilbert tcg@cwgsy.net Cooper Brouard Estate Agents Ltd Matt Brouard enq@cooperbrouard.com Coppolo & Coyde Jonathan Coyde info@copcoy.com Cranfords Estate Agents Ltd Dominic Bacon sales@cranfords.co.uk Cream Services Guernsey Ltd Pieter Kluyver p.kluyver@guernsey-butter.com Creaseys and Son Ltd Anthony Creasey anthony.creasey@creaseys.com Create Limited James Barker info@create-architecture.com

Travel 01481 729666 www.condorferries.com Trades 07781 148741 www.propertyplus.gg Property 01481 236039 www.cooperbrouard.com Health & Safety Specialists 01481 247248 www.copcoy.com Property 01481 243878 www.cranfords.co.uk Distributors 01481 751000 www.guernsey-butter.com Retail 01481 720203 www.creaseys.com Architects & Surveyors 01481 259333 www.create-architecture.com

Credit Suisse (Channel Islands) Ltd Peter Webber guernsey.location@credit-suisse.com

Financial Services 01481 719000 www.credit-suisse.com

Credit Suisse Trust AG Anne Bigeard guernsey.location@credit-suisse.com

Financial Services 01481 719100 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

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 garis accounting Diane de garis diane@degaris.gg De Jersey, B R French Polisher B De Jersey bdejersey@cwgsy.net Deloitte LLP John Clacy jclacy@deloitte.co.uk Deutsche Bank International Limited Michael McKay michael.mckay@db.com

Financial Services 01481 254748 www.degaris.gg Home & Garden 01481 247356 Financial Services 01481 724011 www.deloitte.co.uk Financial Services 01481 702000 www.db-ci.com

Delta Training & Consultancy Education & Training Dawn Bagnall 07839 123011 info@guernseyfirstaid.com www.guernseyfirstaid.com Digimap Ltd Colin Le Conte admin@digimap.gg Dixcart Trust Corp Ltd John Nelson advice.guernsey@dixcart.com Dominion Fund Management Limited Tim Nelson investorservices@dominion-funds.com Donkeylogic Limited Justin Guilbert iinfo@donkeylogic.com Dorey Financial Modelling Martyn Dorey martyn.dorey@doreyltd.com Dorey Lyle & Ashman Ltd Adrian Ashman home@dla.gg 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

Mapping 01481 700321 www.digimap.gg Financial Services 01481 723996 www.dixcart.com Financial Services 01481 734342 www.dominion-funds.com IT & Computing 01481 252222 www.donkeylogic.com Financial Services 01481 729044 www.doreyltd.com Trades 01481 258123 www.dla.gg Motoring & Biking 01481 724025 www.doylemotors.co.uk 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

Dunnell Robertson Partnership Mitchel Sneddon mitchell@drp.co.uk

Architects & Surveyos 01481 72773 www.drp.co.uk

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

Retail 01481 246844 www.dwaflooring.com

Financial Services 01481 722322 www.eisturdza.com

East Harbour Associates Ltd Jonathan Guillemet info@east-harbour.com

Consultants 01481 712826 www.east-harbour.com

Eaton Place Investments Ltd Ondrej Faborsky centrumgsy@aol.com

Financial Services 01481 721069

Ec events Julie Settle admin@ec-jersey.com

Event & Venue Services 01534 484234 www.ec-jersey.com

Ecoscreed (CI) Limited Andy Allen info@ecoscreedci.com

Trades 07781 457217 www.ecoscreedci.com

Edmond de Rothschild Asset Management Limited Stuart Perfitt info@groupedr.gg

Financial Services 01481 716336 www.groupedr.gg

EFG Private Bank Channel Islands Limited Peter Daniels info@efgci.com

Financial Services 01481 723432 www.efginternational.com

ELM Compliance Consultants Limited Emma Mauger emma@elmcompliance.com

Financial Services 07781 109289 www.elmcompliance.com Business Services 01481 725770 www.estibuild.co.uk

Estibuild Limited Stephen Hargreaves info@estibuild.co.uk

Executive Car Services Ltd Andy Ogier executivecars@cwgsy.net

Financial Services 01481 717400 www.ey.com/channel_islands Health 07911 711012 www.evac-chair.gg

Evac Chair Chris Markham chrismarkham1@me.com

Evans Bond Ltd Jon Bond Jon@evansbond.com

Distributors 01481 249094 www.ferryspeed.com Trades 01481 247290

Finigan & Gibson Dave Finnigan

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

Evans & Co Brian Evans info@evansofficeinteriors.com

Architects & Surveyors 01481 728020 www.falla.co

Falla Associates International Ltd David Falla guernsey@falla.com Ferryspeed (Guernsey) Ltd Martyn Langlois sales@ferryspeed.com

EY Mike Bane eyguernsey@uk.ey.com

Business Services 01481 253277 www.evansofficeinteriors.com Financial Services 0 7781 112011 www.evansbond.com Travel 07781 155545 www.executivecarsguernsey.com

FirstAid.gg John Atkins contact@firstaid.gg

Firstcall Recruitment Ltd Tina Quertier info@firstcall.co.gg

Recruitment, HR & Payroll 01481 714634 www.firstcall.co.gg

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

First Names Group David Preston guernsey@firstnames.com Fleur du Jardin, Hotel Ian Walker info@fleurdujardin.com

Food & Drink 01481 257996 www.fleurdujardin.com Recruitment, HR & Payroll 01481 728824 www.focushrs.com

Focus Group Katie Bellingham info@focushrs.com

Retail 01481 238395

Forest Stores Ltd Keith Bienvenu foreststores@cwgsy.net Fort Grey Consulting Limited Daniel de Lisle daniel.delisle@fortgreyconsulting.com

Consultants 07781 439746 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

Property 01481 730702 www.fullergroup.co.uk

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

Fumoto Engineering of Europe Ltd Richard Flemming sales@fumoto-valve.com Fusion Systems Ltd Paul Briggs enquiry@fusion-systems.com

Property 01481 747804 www.fractional.net Distributors 01481 200800 www.fsci.co.uk

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

Fultura Limited Steve Vowles info@fultura.net

Education & Training 01481 266799 www.firstaid.gg

IT & Computing 01481 710047 www.fultura.net Trades 01481 716987 www.fumotousa.com IT & Computing 01481 721031 www.fusion-systems.com

Charity 07781 467316 www.disabilityalliance.org.gg

Guernsey Disability Alliance Shelaine Green info@disabilityalliance.org.gg

G Architects & Surveyors 01481 237360 www.g2a.gg

g2a Architecture Laura Priaulx hello@g2a.gg G4S Secure Solutions Deanne Le Gresley enquiries@gg.g4s.com

Business Services 01481 265133 www.g4s.gg

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

IT & Computing 01481 740022 www.galaxyci.com

Garenne Construction Group Ltd Richard Jones enquiries@garenne.gg

Trades 01481 254262 www.garenne.gg

Generali Worldwide Insurance Company Ian Robinson enquiries@generali-guernsey.com Geomarine Limited Ian Gilmour enquiries@geomarine.gg

Insurance Providers 01481 715400 www.generali-worldwide.com Trades 01481 201015 www.geomarine.gg

Giroscope Limited Joanne Robilliard info@giroscope.gg

Recruitment, HR & Payroll 01481 729020 www.giroscope.gg

Gower Financial Services Rob Boyd theansweris@gowerfinancial.com

Financial Services 01481 700155 www.gowerfincancial.com

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

Renewable Energy 01481 727388 www.greenacorn.gg

Green Acorn Ltd Keith Hounsell info@greenacorn.gg

Consultants 07781 137918 www.greenlightci.com

Greenlight Ltd Alan Chapman alan.chapman@greenlightci.com

Gardeners & Landscapers / Retail 01481 235936 www.gff.gg

GFF Guernsey Greg Forino gregforino@gff.gg

Guernsey Auto & Electrical Supply Co. Ltd Philip Sandwith info@guernseyauto.gg Guernsey Beds & Bedding Peter de Laune sales@guernseybedding.co.uk Guernsey Botanical Trust Hugh Johnson guides@guernseywalledgarden.org.gg Guernsey College of Further Education Saboohi Famili college@gcfe.net Guernsey Dairy Andrew Tabel admin@guernseydairy.com

Trades 01481 257610 www.granitelepelley.gg Financial Services 01481 753400 www.gt-ci.com

Grant Thornton Ltd David Spring info@gt-ci.com

GTA University Centre Simon Le Tocq admin@gta.gg

Distributors 01481 200700 www.electricity.gg

Guernsey Electricity Ltd Alan Bates admin@electricity.gg

Education & Training 01481 721555 www.gta.gg Motoring & Biking 01481 726644 www.guernseyauto.gg Retail 01481 723036 Charity 01481 713961 www.guernseywalledgarden.org.gg Education & Training 01481 737500 www.guernseycollege.ac.gg Food & Drink 01481 237777 www.guernseydairy.com

Event & Venue Services 01481 728686 www.eventguernsey.com

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

Event & Venue Services 01481 266799 www.gems.gg

Guernsey Event Medical Services Ltd John Atkins contact@gems.gg Guernsey Finance Dominic Wheatley info@guernseyfinance.com

Financial Services 01481 720071 www.guernseyfinance.com

Retail 01481 251929 www.sendabunch.co.uk

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

Distributors 01481 238180

Guernsey Freight Services Ltd Gary Robilliard info@guernseyfreight.com

Distributors 01481 724811 www.gsygas.com

Guernsey Gas Ann Cox jsd@i-e-g.com

Housing 01481 245530 www.gha.gg

Guernsey Housing Association Steve Williams ghaenquiries@gha.gg

Charity 01481 722959 www.guernseymind.org.gg

Guernsey Mind Emily Litten info@guernseymind.org.gg

Not For Profit 01481 700567 www.guernseypaconnect.com

Guernsey PA Connect Donna Olliver guernseypaconnect@suremail.com

Retail 01481 266404 www.guernseypearl.co.uk

Guernsey Pearl Ltd Andy Ison andyison@hotmail.com

Retail 01481 724001

Guernsey Photographics Ltd Tim Harland arcade@guernseycomputers.com Guernsey Post Bethan Griffiths custserv@guernseypost.com

Distributors 01481 711720 www.guernseypost.com

Publishers 01481 240240 www.guernsey-press.com

Guernsey Press Company Ltd, The J Marquand newsroom@guernsey-press.com

Recycling 01481 245402 www.guernseyrecycling.co.uk

Guernsey Recycling Ltd Alan Crowe guernseyrecycling@cwgsy.net Guernsey Registry Alan Bougourd enquiries@guernseyregistry.com

Business Services 01481 743800 www.guernseyregistry.com

Guernsey Sands (Stillbirth & Neonatal Death Society) Charity Rob Jones 0 7781 103435 guernseysands@gmail.com www.guernseysands.org.gg Archive & Storage 01481 700077 www.guernseyselfstore.com

Guernsey Self Store Ray Blakely space@guernseyselfstore.com Guernsey Sheet Metal Co (1993) Ltd Adrian Vaudin gsmco@cwgsy.net Guille-Alles Library Laura Milligan ga@library.gg

Trades 01481 723617 Education & Training 01481 720392 www.library.gg

H 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

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 Headway Guernsey LBG Philippa Stahelin fundraising@headwayguernsey.org.gg

Health and Beauty 01481 707470 www.healthtravel.org

Health Information Guernsey Wendy Beaven info@healthtravel.org Healthspan Limited Ann Outram headoffice@healthspan.co.uk

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

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

Holeshot Ltd Marc Maubec holeshot@cwgsy.net HSBC Bank Plc Kieran Rose kieran.s.rose@hsbc.com HSBC Private Bank (CI) Ltd Ian Richardson ian.f.richardson@hsbcpb.com HSSD Occupational Health Service Ann Finnerty ann.finnerty@ gov.gg Hunt Brewin Peter Brewin peter@huntbrewin.com HVC Mark Farey info@hvc.gg

Retail 01481 711321 www.healthspan.co.uk Education and Training 07781 153202 www.heimdallrsolutionsltd.com Trades 01481 729967 www.hendersongreen.co.uk Financial Services 01481 716000 www.heritage.co.gg

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

HFL Limited Nigel Westgarth admin@hfl.co.gg

Charity 01481 265623 www.headwayguernsey.com

Insurance Providers 01481 740000 www.heritageinsurance.gg Financial Services 01481 722066 www.hfl.co.gg Retail 01481 721313 www.holeshot-fashion.com Financial Services 01481 717705 www.hsbc.co.uk Financial Services 01481 759000 www.hsbcprivatebank.com Helth & Beauty 01481 707411 www.gov.gg/occupationalhealth Architects & Surveyors 01481 728236 www.huntbrewin.com Trades 01481 700275 www.hvc.gg

I IAM Advisory Michael Strachan michael.strachan@iamadvisory.com Ian Brownâ&#x20AC;&#x2122;s Cycle Shop Ian Brown reservations@selfcatering.co.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

Financial Services 01481 716575 www.iamadvisory.com Retail 01481 721581 www.selfcatering.co.gg Retail 01481 720121 www.idealfurnishings.co.uk Hotels, Guest Houses & B&Bs 01481 237491 www.selfcatering.co.gg Manufacturers 01481 722787 www.igcmaf.eu Advertising & Marketing 01481 740073 www.indulgemedia.com

Insurance Corporation of the Channel Islands Ltd Insurance Providers Mandy Hunt 01481 713322 icci@insurancecorporation.com www.insurancecorporation.com Integrated Skills (Guernsey) Ltd Matthew Polson info@integrated-skills.com International Energy Group Tony Nicholls energy@i-e-g.com Intertrust Group Paul Schreibke guernsey@intertrustgroup.com Intransit Limited Lauren Le Feuvre info@intransit.gg Investec Kay Parnwell kay.parnwell@investec-ci.com Ipes Andrew Whittaker andrew.whittaker@ipes.com Iris and Dora Denyse McGahy studio@irisanddora.co.uk Iris Freight CI David Nuth david@irisfreightci.com

Consultants 01481 242700 www.integrated-skills.com Distributors 01481 715634 www.i-e-g.com Financial Services 01481 211000 www.intertrustgroup.com Travel 01481 700066 www.intransit.gg Financial Services 01481 706483 www.investec-ci.com Financial Services 01481 713843 www.ipes.com Screenprinters 07781 464586 www.irisanddora.co.uk Shippers 07797 728316 www.irisfreightci.com

Island Coachways Ltd Hannah Beacom admin@icw.gg

Travel 01481 720210 www.icw.gg

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

Trades 01481 263598

Island FM Martyn Parr info@islandfm.com

Media / Advertising & Marketing 01481 242000 www.islandfm.com

Island Lock & Safe Co Guernsey Ltd Security Trevor Mahy 01481 714050 enquiries@ilsg.co.uk www.ilsg.co.uk

Marine 01481 249294 www.islandmarinecraft.co.uk

Island Marine Craft Ltd Ian Moxon islandmarine@cwgsy.net Island Mums Sasha Kazantseva info@islandmums.com Island Posture Centre Richie McCurdy info@islandposturecentre.com

Media / Advertising & Marketing 07839 198302 www.islandmums.com Health & Safety Specialists 07781 146007 www.islandposturecentre.com

Island Waste Ltd (Skips R Us/Circuit Skips/Rf Mills) Dan Hubert recycle@islandwaste.gg Islands Peter Rowe insure@islandinsurance.gg Isle of Sark Shipping Company Sarah Masterton info@sarkshipping.gg Itchyfeet Recruitment Agency Jodie Baker team@itchyfeet.gg

JT Paul D Taylor pauldtaylor@jtglobal.com Jacksons (CI) Ltd Peter Campbell petercampbell@jacksons.gg Jamie Falla Architecture Jamie Falla studio@jamiefalla.com Johansen Executive Coaching Cato Johansen cato@johansenexecutivecoaching.com Joyâ&#x20AC;&#x2122;s Production Services Ltd Peter Joy info@joys.com Julius Baer & Co Ltd Tony Crawley tony.crawley@juliusbaer.com

Financial Services 01481 711211 www.krys-global.com

KRyS Global Caroline Malloy admin@krys-global.com

Financial Services 07911 728250 www.kycme.com

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

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

Shippers 01481 724059 www.sarkshippingcompany.com Recruitment, HR & Payroll 01481 722817 www.itchyfeet.gg

J JK Window Blinds Kevin Philp info@jkblinds.com

Financial Services 01481 721000 www.kpmg.com/channelislands

KPMG Channel Islands Neale Jehan njehan@kpmg.com

Retail 01481 725991 www.jkblinds.com Telecommunications 01481 888134 www.jtglobal.com Motoring & Biking 01481 235441 www.jacksonsci.com Architects & Surveyors 01481 728886 www.jamiefallaarchitecture.com Education & Training 01481 736215 www.johansenexecutivecoaching.com Event & Venue Services 01481 727117 www.joys.com Financial Services 01481 726618 www.juliusbaer.com

L 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

La Pointe Farm Apartments Kevin Gallichan lapointefarm@guernsey.net

Hotels, Guest Houses & B&Bs 01481 267169 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

Larbalestier Opticians Simon Larbalestier hello@opticians.gg

Health & Beauty 01481 710781 www.opticians.gg

Law At Work Kelly Flageul admin@lawatworkci.com

Recruitment, HR & Payroll / Health & Safety Specialists 01481 727155 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 Motoring & Biking 01481 264811 www.lemontsaint.co.uk

Le Mont Saint Garage David Beausire dave@lemontsaint.co.uk Le Nautique Restaurant GĂźnter Botzenhardt lenautiquerestaurant@msn.com

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

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

Learning Clubs Carol Railton c_railton@yahoo.com Manufacturing 01481 246861 Financial Services 01481 253050 www.kempletissier.com Architects & Surveyors 01481 723658 www.kindomarchitecture.com

Food & Drink 01481 721714 www.lenautiquerestaurant.co.uk

Recruitment, HR & Payroll 01481 711188 www.leapfrogjobs.com Education and Training 01481 246973 www.learningclubs.com

Learning Company Ltd, The Kathy Tracey mail@thelearningcompany.ws

Education & Training 01481 730598 www.thelearningcompany.gg

Les Buttes Holiday Cottages Martin Ozanne info@lesbuttes.com

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

Event & Venue Services 01481 727793 www.lescotils.com

Les Cotils Fiona Naftel reception@lescotils.com

Les Granges de Fleurs Holiday Apartments Hotels, Guest Houses & B&Bs Michael de Garis 01481 256879 lesgrangesdesfleurs@cwgsy.net www.grangesdesfleurs.com Les Merriennes Self Catering S Paine paine@cwgsy.net Les Vaugrats Campsite J Laine enquiries@vaugratcampsite.com

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

Liberation Group, The Mark Crowther info@liberationgroup.com

Leisure 01481 257468 www.vaugratcampsite.com Food & Drink 01534 764000 www.liberationgroup.com

Mappin and Webb Stephanie Duskova 433@mwgroup.co.uk

Retail 01481 723621 www.mappinandwebb.com/store-finder/Guernsey/433 Marine / Trades 01481 243048 www.mge.gg

Marine & General Engineers Ltd David Coleman gcc@mge.gg

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

Marine Electronics Ltd Alan Green sales@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

Liberation Management Ltd David Rowlinson info@liberation.gg

Financial Services, 01481 740145 www.liberation.gg

Lince Salisbury Matt Godfrey mgodfrey@lince-salisbury.com

Business Services 01481 735000 www.lince-salisbury.com

Martyn Guille Silversmiths and Fine Jewellers Martyn Guille info@channelsiandsilver.com

Lindum Consult Andrew Morley lindumconsult@gmail.com

Architects and Surveyors 01481 264526

Mauger, D. P. Electrical Contractor Dave Mauger davemauger@cwgsy.net

Links Communications Richard Bird links@guernseynet

Telecommunications 01481 248360 www.linkslocator.co.uk

Mawson Collins Howard Mawson info@mawsoncollins.com

Property 01481 244244 www.mawsoncollins.com

Liquid Katrina Bray katrina@weareliquid.com

Advertising & Marketing 01481 728841 www.weareliquid.com

Mayside Recycling Michael Grime info@mayside recycling.gg

Recycling 01481 247599 www.maysiderecycling.gg

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

Mercury Distribution Ltd James Greening jgreening@mercurydistribution.com

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

Architects & Surveyors 01481 235397 www.lovellozanne.com

Michele Hilton Design Michele Hilton info@michelehilton.com

LUCID Emma Mauger emma@belucid.gg

Advertising & Marketing 01481 237723 www.lucid.gg

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

Health 01481 238565 www.msg.gg 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

Millard & Co Ltd Tim Millard millards@cwgsy.net

Financial Services 01481 714942 www.milroycapital.com

Milroy Capital Ltd Robert Milroy rmilroy@milroycapital.com

Education & Training 07781 130128 www.mindfulguernsey.com

Mindful Guernsey Nicky Jenkins info@mindfulguernsey.com

M Madihan Limited Sue Guillard info@madihan.com

Retail 01481 236771 www.meadowcourtfarm.co.uk

Medical Specialist Group Neil Robilliard info@msg.gg

Financial Services 01481 727249 www.louvregroup.com

Advertising & Marketing 01481 750490 www.lrd-thebigidea.com

Property 01481 521950 www.maxicorp.co.uk

Meadow Court Farm Ray Watts meadowcourtfarm@cwgsy.net

Mekad (Guernsey) Limited Dominique Carpentier info@mekad.com

Miton Optimal Portfolio Managment CI Limited Mark Margetts-Smith info@mitonoptimal-ci.com Financial Services 07911 717755 www.madihan.com Leisure 01481 266366 www.themallardcomplex.com

Monarch Vulcanising Systems Ltd Toni Elderfield info@monaflex.com Montagu Evans Channel Islands Tony Rowbotham info@montagu-evansci.com

Retail 01481 236161 www.channelislandsilver.com Trades 07781 165892

Maxicorp Ltd Zef Eisenberg admin@maxicorp.co.uk

Louvre Group Derek Baudins guernsey@louvregroup.com

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

Retail 01481 734444

Martin Oâ&#x20AC;&#x2122;Meara Gary Willcocks garyw@momeara.co.uk

Financial Services 01481 740044 www.mitonoptimal-ci.com

Manufacturers 01481 241024 www.monaflex.com Architects & Surveyors / Property 01481 742280 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

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

MS & Co Martin Sandle ma@msandco.gg

Financial Services 01481 701521

Muse Steve Le Poidevin relax@musge.gg

Food & Drink 01481 727101 www.muse.gg

Nashcopy CI Ltd Clive Le Tissier i@nashcopy.com National Trust of Guernsey, The Sarah Lampitt admin@nationaltrust.gg

Retail 01481 721096 Business Services 01481 712808 www.nashcopy.com Charity 01481 255384 www.nationaltrust.gg Consultants 07781 152227 www.navitaur.com

Nerine Trust Company Ltd Keith Corbin info@nerine.com

Financial Services 01481 701300 www.nerine.com

Next Generation IT Jason Connolly info@ngit.co.uk Nick Brett Property Ltd Nick Brett info@brettproperty.com Nordben Life & Pension Insurance Sue Garrett info@nordben.com Norman Piette Ltd Tony Gallienne sales@normanpiette.com Normandie Health & Safety Limited Chris Schofield info@normandiehs.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 Retail 01481 245801 www.norman-piette.com Education & Training 01481 253953 www.normandiehs.com

Normanor Limited Sara Harborow info@normanor.co.uk

Distributors 0 1481 268330

Nova Wealth Ross Preston info@novagroup.com

Financial Services 01481 231997 www.novagroup.com

N. P. Holdings Limited Tony Gallienne admin@np-holdings.com

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

Offshore Will Morgan info@offshore.gg

Navitaur Limited Nick Bennett info@navitaur.com

Network Insurance and Financial Planning June Goater admin@network.gg

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

Business Services 01481 234490

Office Projects Tony Veron tonyveron@officeprojects.gg

N N St J Paint & Son Ltd Paul Paint paint@guernsey.net

Retail 01481 244383

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 Opus Private Limited Shane Giles guernsey@opusprivate.com Optimus Group Limited Peter Mills info@optimusgrouplimited.com Orchard PR Steve Falla info@orchardpr.com Orion Insurance Management Ltd Janet Hawke jan@orion-insurance.co.uk OSA Recruitment Nick Graham mynewjob@osa.gg OSG Group.Co Iain Whitchurch iain@osggroup.co Ounsworth Decor Ltd Mac Gallienne ounsworth@cwgsy.net Outdoor Guernsey Limited Ant Ford Parker bookings@outdoorguernsey.co.uk

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 Financial Services 01481 754700 www.opusprivate.com Consultants 01481 755690 www.optimusgrouplimited.com PR 01481 251251 www.orchardpr.com Insurance Providers 01481 728864 www.orion-insurance.co.uk Recruitment, HR & Payroll 01481 712891 www.osa.gg IT & Computing 01481 722992 www.osggroup.co Trades 01481 266194 www.ousworthdecor.com Leisure 07781 130403 www.outdoorguernsey.co.uk

Profile Event Management Event & Venue Services Michele Butters 01481 740843 michele@profileevent.co.gg www.profile.co.gg Providence Global Limited Financial Services Sarah Whittaker 01481 753333 info@provifinancial.co.uk www.theprovidenceworld.com

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

Pandora Hotel C Ryan pandora@cwgsy.net Paper Box, The Phillip Morgan pdamorgan@cwgsy.net

Retail 01481 712877

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

Financial Services 01481 729002 www.parish-group.com

Partners Group (Guernsey) Ltd Daniel Stopher daniel.stopher@partnersgroup.com Paul Davis Freight Services Ltd Nigel baker nigel.baker@pdfs.com 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 POS Interiors David Inglis sales@posinteriors.com Potting Shed, The Jay Aylmer gsy@thepottingshed.com Precision Plastics Kevin Brown sales@precisionplastics.co.gg Price Bailey Limited Kirsty Warner guernsey@pricebailey.gg Prime Practice Nick Guillemette nicklg@cwgsy.net Printed in Guernsey Rob Plampton theteam@printed.gg

Financial Services 01481 752000 www.pwc.com

PwC John Roche john.roche@gg.pwc.com

Financial Services 01481 711690 www.partnersgroup.com Distributors 01481 244153 www.pdfs.com Financial Services 01481 724966 Recruitment, HR & Payroll 01481 723221 www.pa.gg Retail 01481 266066 www.pettechnologystore.com Advertising & Marketing 01481 230966 www.pjwd.net Recruitment, HR & Payroll 011534 875444 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 Advertising & Marketing 01481 727699 www.thepottingsheddesign.com Distributors 01481 242311 www.precisionplastics.co.je Financial Services 01481 715669 www.pricebailey.gg Business Services 07781 156118 www.primepracticeguernsey.co.uk Printers 01481 259188 www.printedinguernsey.gg

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

RG Falla Ltd Peter Gregory enquiries@rgfalla.gg

Business Services 01481 242800. www.quantum.gg Marine 01481 715399 www.quantum-medmarine.com Consultants 01481 257200 www.qrcci.com

Trades 01481 256585 www.rgfalla.gg Food & Drink 01481 720134 www.randallsbrewery.com

RW Randall Ltd Jayne Langlois tours@rwrandall.co.uk Rabeys Group Ltd John Waterman sales@rabeys.com

Motoring & Biking 01481 244551 www.rabeys.com

Ravenscroft Ltd David McGall info@ravenscroft.gg

Financial Services 01481 729100 www.ravenscroft.gg

Ray & Scott Ltd Jeff Fox ray.scott@cwgsy.net

Retail 01481 244610 www.rayandscott.com 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

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

Property 01481 728559 www.rockcommercial.co.uk

Ronez Ltd Trades Steve Roussel 01481 256426 steve.roussel@aggregate.com www.aggregate.com/our-businesses/ronez

Project Hire & Sale (Guernsey) Ltd Retail Tony Gallienne 01481 242047 enquiries@project.gg www.project.gg

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

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

Save the Date Annette Gent info@savethedate.gg

Rothschild David Oxburgh marketing@rothschild.com

Financial Services 01481 713713 www.rothschild.com

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

Marine 01481 726267 www.rotorswing.co.uk

Rotorswing UK Ltd Nick Piper nick@rotorswing.co.uk

Financial Services 01481 744041 www.rbcwminternational.com

Royal Bank of Canada (C.I.) Ltd Lisa Barnett lisa.barnett@rbc.com Royal Bank Of Scotland International Robert Girard robert.girard@rbsint.com Royal London Asset Management C.I. Ltd Pierre Paul info@rlam.co.gg

Financial Services 01481 703873 www.rbsinternational.com Financial Services 01481 711261 www.rlam.com

S Financial Services 01481 721374 www.saffery.gg

Samuel Pepys David Whitby info@samuelpepys.com

Retail 01481 727616 www.samuelpepys.com

Sancus (Guernsey) Limited Emma Isabelle emma.isabelle@sancus.com

Financial Services 01481 713355 www.sancuslimited.com

Sandpiper CI Tony Oâ&#x20AC;&#x2122;Neill tonyoneill@sandpiperci.com

Retail 01534 508416 www.sandpiperci.com

Sanne Group (Guernsey) Ltd Matt Wood matt.wood@sannegroup.com

Financial Services 01481 739812 www.sannegroup.com

Sark Estate Management Dawn Manger dawn.manger@sarkestatemanagment.com

Property 01481 832704 Insurance Providers 01481 737414 www.sapphire.gg

Sapphire Underwriters Nigel Brand nigel.brand@sapphire.gg Sarnia Estate Agents Ltd Alex Ford enquiries@sarniaestateagents.com

Property 01481 727989 www.sarniaestateagents.com

Sarnia Hotels Ltd Karel Harris karel@mooresguernsey.com

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

Sarnia Management Corporation Limited Andre Stefani sarnia@smcl.co.gg

Financial Services 01481 728444 www.smcl.co.gg Financial Services 01481 723501 www.sarniamutual.com

Sarnia Mutual Ltd Vernon Etherington enquiries@sarniamutual.com

Event and Venue Services 07781 113394 www.savethedate.gg Retail 01481 242100 www.scopefurnishing.co.uk Consultants/Home & Garden 01481 258567 www.sensible.gg

Sensible Technology Limited Matt Guille hello@sensible.gg

Archive & Storage 01481 727151 www.7dayselfstore.com

7dayselfstore Shaun Broughton space@7dayselfstore.com SGB Hire John Herbert ukinfo@beis.com

Retail 01481 723711 www.sgb.co.uk/about/sgb-scaffolding/ci

SG Hambros Bank & Trust (Channel Islands) Limited Financial Services Bruce Duckworth 01481 726521 bruce.duckworth@sghambros.com www.privatebanking.societegenerale.co.uk Sidlocks Roy Kilpatrick sales@sidlocks.com

Retail 01481 713883 www.sidlocks.com

Sigma Robert Sillars robert.sillars@sigmaci.com

Business Services 01481 241111 www.sigmaci.com

Situations Recruitment Agency Limited Melissa Campbell team@situations.gg

Saffery Champness Jeremy Ellis info@saffery.com

Sarnia Roofing Ltd Andy Gavey info@sarnianroofing.com

Leisure 01481 235571 www.sausmarezmanor.co.uk

Sausmarez Manor Peter De Sausmarez sausmarezmanor@cwgsy.net

Trades 01481 715475 www.sarnianroofing.com

Skill Set CI Limited Sharon Alvarez sharon@skillsetci.com Skills Solutions Sharon Spruce contact@skillssolutionsci.co.uk Skipton International Jim Coupe info@skiptoninternational.com Smart Office Richard Lowe hello@smart-office.co.uk Smith Signs Ltd Dan Smith enquiries@smithsigns.co.uk Sofsync Ltd Susan Watson swatson@sofsync.co.uk Sommelier Wine Company Ltd Richard Allisette som.grapevine@cwgsy.net

Recruitment, HR & Payroll 01481 710639 www.situations.gg Education & Training 01481 735440 www.skillsetci.com Education & Training 07781 192366 www.skillssolutionsci.co.uk Financial Services 01481 727374 www.skiptoninternational.com Business Services 01481 740366 www.smart-office.co.uk Sign Makers 01481 247749 www.smithsigns.co.uk IT & Computing 07781 122449 www.sofsync.co.uk Food & Drink 01481 721677

SOUP Architects Ltd Max Babbe studio@souparchitects.com

Architects & Surveyors 07781 147667 www.souparchitects.com

Source Recruitment Specialists Julia Martin hello@source.gg

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

Sovereign Trust Channel Islands Limited Stephen Hare ci@sovereigngroup.com

Financial Services 01481 729965 www.sovereigngroup.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 Nick Cirigliano St Georgeâ&#x20AC;&#x2122;s Davina Sweet stgeorges@suremail.gg St Pierre Park Hotel & Golf Resort Dina Le Lacheur reservations.stpierrepark@handpicked.co.uk

Food & Drink 01481 726059 Hotels, Guest Houses & B&Bs 01481 721027 www.stgeorges-guernsey.com Hotels, Guernsey Houses & B&Bs 01481 728282 www.stpierrepark.co.uk

St Sampsonâ&#x20AC;&#x2122;s Constable & Douzaine The Constables stsampsonscontables@gov.gg

Parish Authority 01481 244130

Stan Brouard Group Bridget Foss info@stanbrouard.com

Retail 01481 252521 www.sbpi.co.uk

Standard Chartered Trust (Guernsey) Limited Financial Services Trevor Kelham 01481 721787 trevor.kelham@sc.com www.sc.com/gg Stanley Gibbons Sarah Porter investment@stanleygibbons.com Startup Guernsey Tony Brassell info@startup.gg

Financial Services 01481 708275 www.investment.stanleygibbons.com 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 Stopcost Ltd David Holt admin@stopcost.com Stratagem Nic Legg studio@stratagemonline.com Style Office Paul Watson office@stylegroupguernsey.com Sueco The Food Co Sue Wilson team@sueco.gg Sun Yachts Simon Hughes simon@sunyachts.co.uk Sure Jessica Bisson contact@sure.com Swallow Apartments Mark Hesse swallowapt@aol.com

Trades 07781 100685 Business Services 07781 413083 Advertising & Marketing 01481 724945 www.stratagemonline.com Business Services 01481 737044 www.stylegroupguernsey.com Food & Drink 01481 720969 www.sueco.gg Marine 01481 713947 www.sunyachts.co.uk Telecommunications 01481 700700 www.sure.com Hotels, Guest Houses & B&Bs 01481 249633

Sweet PR Nichole Sweetsur nichole@sweetpr.com

PR 07781 155188 www.sweetpr.com

Swoffers Limited Andre Austin sales@swoffers.co.uk

Property 01481 711766 www.swoffers.co.uk

Sydney Charles Group Philip Lepp info@sydneycharles.co.uk

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

Retail 01481 721928 www.targetautoparts.co.uk

Taste Of India Restaurant, The Food & Drink Tony Fernandes 01481 264516 joyce@cwgsy.net www.tasteofindiaci.com Technical Field Services International Ltd Gail Batiste tfsi@cwgsy.net Tiara Software Consultants Ltd Tim Rawles contact@tiara-ci.com Town Centre Partnership Ltd Jack Honeybill jackhoneybill@hotmail.com TPA Ltd Tony Tostevin info@tpagency.com

Recruitment, HR & Payroll 01481 729298 www.tfsi-ltd.com IT & Computing 01481 700616 www.tiara-ci.com Charity 07781 113464 www.towncentrepartnership.com Advertising & Marketing 01481 700070 www.tpacreative.com

Travel Counsellors - Chris Roberts Travel Chris Roberts 01481 712549 chris.roberts@travelcounsellors.com www.travelcounsellors.com/chris.roberts 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

Travel 01481 715145 www.travelsolutions.uk.com

Trinity Trust Company Limited Keith Le Poidevin info@trinitytrust.co.uk

Financial Services 01481 727429 www.trinitytrust.co.uk

Troalic A J & Sons Ltd Andrew Troalic ajtroalics@cwgsy.net Trust Corporation of the Channel Islands Limited Ken Wrigley ken.wrigley@trustcorpci.com TT Software Limited Tony Trenker admin@ttsoftware.gg TTC Travel Group Limited Michael Page michael.page@bookttcuk.com Tyrrell Dowinton Associates Ltd Paul Dowinton mail@tda.gg

Retail 01481 245363 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

Insurance Providers 01481 739970 www.sydneycharles.co.uk

U Urban Kitchen Food & Drink Andrew Pender 01481 736366 enquiries@urbankitchen.co.gg www.urbankitchen.gg

Waitrose Guernsey Ian Burdekin manageradmiralpark@waitrose.co.uk

IT & Computing 01481 239460 www.valley-computers.co.uk

Valley Computer Services Ltd Gordon Dutton-Queripel sales@valley-computers.co.uk

Advertising & Marketing 01481 700660 www.vantage-marketing.co

Vantage Marketing Limited Verienne Belcher verienne.belcher@vantage.gg

Trades 01481 248316 www.vaudinstone.com

Vaudin Stonemasons Ltd Lance Vaudin vaudinstone@cwgsy.net

Consultants 01481 729881 vazon@vazon.gg

Vazon Energy Elizaeth Landles

Removals 01481 736868 www.whiteandcompany.co.uk

White House Hotel Jonathan Watson hotel@herm-island.com

Hotels, Guest Houses & B&Bs 01481 722377 www.herm-island.com

White Star Capital Eric Martineau-Fortin info@whitestarvc.com Window Service Centre Mark De la Rue wsc.ltd@cwgsy.net World Travel Ken Baker ken@worldtravel.gg

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

WT Partnership (Guernsey) Ltd Nigel Carter guernsey@wtpartnership.com

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

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

IT & Computing 0118 9711180 www.vegasolutions.co.uk

Vega Solutions Ltd Mandy Collings info@vegasolutions.co.uk

Business Services 07781 457455 www.veneti.co.uk

Veneti Alan Jackson alan@veneti.co.uk

Security 01481 255414 www.cctv.gg

Vision Networks Ltd Bill Mead sales@cctv.gg

Vortex Public Relations Nigel Robson nigel@vortexpr.com

Financial Services 01481 720581 www.weighbridge-trust.com

White & Company Steve Hammer guernsey.hq@whiteandcompany.co.uk

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

Vistra Services (Guernsey) Ltd Patricia White patricia.white@orangefield.com

Property 01481 740071 www.wattsandco.co

Watts & Co Limited Jo Watts info@wattsandco.co Weighbridge Trust Ltd Du Preez Vermeulen admin@weighbridge-trust.co.uk

Financial Services 01481 726034 www.orangefield.com PR / Media 01481 233080 www.vortexpr.com

Retail 01481 729222 www.waitrose.com

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

FInancial Services 074088 61886 www.whitestarvc.com Manufacturers 01481 248743 www.windowservicecentre.com Travel 01481 252211 www.worldtravel.gg Architects & Surveyors 01481 723163 www.wtpartnership.com

IT & Computing 03450 049 599 www.talkjcs.com

The Bridge Dental Clinic is a full General Dentistry Practice. At the Bridge Dental Clinic, we will try to make your dental visit a relaxed, pleasant and stress free experience. Our aim is to solve your dental problems as soon and as simply as we can and ensure that you have good oral hygiene and dental health. Nervous and phobic patients are very welcome, we can help you. We have a special interest in early orthodontics, but if you are unhappy with your smile, there is no age limit to orthodontic treatment. Whether you are a child or an adult, if there is something that worries you or you would like to know more about do come and see us. Does your jaw click, does it hurt when you try and open wide or when you chew food? This can be treated. It is called Tempero-Mandibular Joint Dysfunction, commonly referred to as TMJ. Don’t stay away we can help you. Dr Hylton Jenkins

“Come in for a great smile”

Bridge Dental Clinic, Nelson House, Southside, St Sampson, Guernsey GY2 4QH

01481 245 357 | bridgedental.gg | reception@bridgedental.gg

Terms and conditions apply. See www.sure.com for details.

No matter where youâ&#x20AC;&#x2122;re going. Pay less when you roam. Stay in touch for less when youâ&#x20AC;&#x2122;re away from home with a Sure Travel Booster. Now that makes sense in any language. Ask in store for details or visit www.sure.com.