A Quick Guide to Malta's International Finance Centre by CountryProfiler

Quick Guide

to Malta’s International Finance Centre

Who’s Who: Connect

with Malta’s Major Financial Firms, Executives and Professional Advisers

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Why Malta? A land of inspiring potential and great business opportunities. Throughout its rich and cultured history, Malta has distinguished itself across a range of industries. High levels of education and a skilled workforce have helped the island develop into a centre of excellence, positioning itself as a perfect international hub for business. HSBC offers a one stop solution, providing real local insights and understanding to help you set up or expand your business in Malta. View the “Why Malta?” video on www.business.hsbc.com.mt to learn more about HSBC’s attributes and why Malta is a great place to live and work. Call 2380 8000 Click business.hsbc.com.mt

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QUICK GUIDE TO FINANCE IN MALTA

Malta at a Glance

Welcome to Malta

GOZO

MALTA

Country Information Location: Southern Europe Official Name: Republic of Malta Area: 316 km2

Sunshine: 300 days of sunshine/ year

Temperature average: Winter 12ยบC Summer 31ยบC

Annual rainfall: 600 mm

Languages: Maltese & English

Time: GMT+1

Currency: Euro

International Dialling Code: +356

Religion: Roman Catholic

Population: 460,000 of which: Maltese: 94% - Foreign: 6% Memberships: European Union, Eurozone, Schengen Area, Commonwealth Voltage: 240

QUICK GUIDE TO FINANCE IN MALTA

ocated in the centre of the Mediterranean, between Europe and north Africa, Malta is the European Union’s smallest member state. A booming economy with high GDP growth and recordlow unemployment, Malta has emerged as one of the most remarkable success stories in the Eurozone. Recognised for its pro-business attitude, state-of-theart infrastructure and modest costs of doing business, it has become the go-to country for growth-minded entrepreneurs and multinational companies. Famous for its 7,000-year history and 300 days of sunshine, three UNESCO world heritage sites and cosmopolitan Mediterranean island lifestyle, Malta is a melting pot of old and new, local and global, work and play.

Malta’s Finance Sector GDP contribution: 11% Banks: 24

Malta’s Economy in 2018 GDP Growth: +6.6 Unemployment rate: 3.7% Inflation: 1.7% Surplus: 2.0% Debt to GDP: 46% FDI Stock: €176.5 billion (June 2018) Source: European Economic Forecast, Spring 2019

Recognised Incorporated Cell Companies: 6 Incorporated Cells: 23

Financial Institutions: 49 including 38 payment providers and15 e-Money Institutions

Investment Funds (including sub-funds): 665 Of which: AIFs: 134 PIFs: 401 UCITS: 118 Retail non-UCITS: 5

Insurance companies: 68 including 8 captives and 16 Protected Cell Companies

Net Asset Value of Malta-domiciled Funds: €11.5 billion as at end June 2018

Reinsurance Special Purpose Vehicle: 1 Insurance Managers: 11 Retirement Schemes: 55 Retirement Funds: 3 Retirement Scheme Administrators: 15 Fund Administrators: 24

Registered Company Services Providers: 186 Notified Securitisation Vehicles: 48 including 20 Securitisation Cell Companies with 42 cells

Source: Malta Financial Services Authority. All figures as of end 2018 unless otherwise indicated.

QUICK GUIDE TO FINANCE IN MALTA

The Next Great Wave

Reimagined, renewed and refashioned: Malta is transforming its finance centre and unlocking a wave of new opportunities. The Malta strategy is to outmanoeuvre incumbent finance centres by harnessing its nimbleness and coupling it with digital financial innovation to deliver new product lines and a path to faster and more sustainable growth.

QUICK GUIDE TO FINANCE IN MALTA

alta’s International Finance Centre is the jewel in the crown of what has become Europe’s newest tiger economy. The EU’s smallest member state has been one of the most exciting countries to watch and invest in over the past decade. The island’s global appeal and vibrant outlook has propelled the country through the ranks of European finance centres to be a credible alternative to London, Luxembourg and Dublin in the short span of 15 years. The power bases of Malta’s financial services industry remain asset management, insurance, private wealth and corporate services, with an eclectic mix of blockchain, payments, fintech, aviation, yachting, maritime services, and a newly launched space finance sector, adding to the overall appeal. Globally, the financial services industry is approaching a new digital frontier, and with a keen eye on the future, Malta is taking a fresh look at the sector and has set itself the ambitious target of providing financial firms with a technologically advanced toptier regulatory and business environment. The clear aim is to be a global player in the regulated digital finance and fintech space. As Malta gears up for the next growth stage, it is also having to face some headwinds. The well-publicised negative international press has been a blemish on an otherwise respectable track record and illustrates the challenges and reputational risk posed by bad actors. While Malta remains highly rated by financial services professionals and is widely regarded as a well-regulated international finance centre in Europe, the island’s authorities are at pains to underline that Malta offers no place for financial secrecy.

QUICK GUIDE TO FINANCE IN MALTA

Beyond the digital world, Malta has an opportunity to leverage sectors where it has an established footprint and industry knowledge. The island believes it can play a role in developing specialised financial products for sectors such as gaming, maritime and aviation, while space finance has also been identified as a future growth area.

Finance Foundations Malta’s international finance sector is a relatively young one, and compared to many other countries, Malta has been a rather late entrant to the financial sector. The seeds of Malta’s modern-day finance centre were sown in 2004 when the island was seeking membership of the EU and began to harmonise its legislation, incorporating best practices from the world’s most respectable international business centres. By introducing a strong supervisory framework as well as a competitive, transparent regulatory and tax regime approved by both the EU and the Organisation for Economic Co-operation and Development (OECD), Malta has sought to distance itself from secrecy jurisdictions, tax havens and shell company structures. Throughout the years, the island has continuously ensured that its laws, including anti-money laundering (AML) rules, are fully aligned with European and global standards, and the island continues working hand in hand with all stakeholders to ensure the integrity of the financial marketplace.

QUICK GUIDE TO FINANCE IN MALTA

Strength in Diversity The finance sector has grown by around 18% to 20% annually and accounts for 11% of the country’s GDP, providing almost 10,000 jobs. Although financial services are a prominent pillar of the economy, government ensured that financial services did not take an outweighed influence. However, rather than restricting the growth of the financial services sector, Malta diversified its economy and ensured that its other industries, such as tourism, ICT, iGaming, maritime, aviation, life sciences and manufacturing, are growing alongside the finance industry. Despite experiencing spectacular GDP growth of 5% to 6% in recent years, the government hasn’t been resting on its laurels. As sectors ebb and flow in importance, it has been paying attention to the emerging sectors of the future and has been investing significantly in new areas such as electronic games development, Distributed Ledger Technologies, regulated cryptocurrencies, education and health to develop them into exportable service industries that can be sold around the world.

Product Portfolio

Throughout the years, the island has continuously ensured that its laws, including anti-money laundering (AML) rules, are fully aligned with European and global standards, and the island continues working hand in hand with all stakeholders to ensure the integrity of the financial marketplace.

Malta has positioned its financial services sector to serve as a European hub for many specialised services. For an island nation of just 460,000 people, Malta has built up a remarkably diverse financial services portfolio. Today, more than 20 banks have established operations in Malta, although only a handful of these are active in the local market. Most use the island as a platform from which to conduct specialised asset financing, corporate banking and trade finance services. The insurance sector has experienced an upsurge due to the presence of expert insurance management services and EU passporting rights, and Malta is now regarded as one of the leading captive insurance domiciles. While there are around 660 investment funds domiciled in Malta, the country has proved particularly attractive to fund platforms, managers and administrators who are servicing funds internationally from Malta. The country has also developed into an important wealth management location. High-net-worth individuals, wealth managers and family offices increasingly avail of the country’s wide range of investment vehicles, including trusts and foundations. Malta’s finance industry is now expanding its portfolio into profitable niche areas such as pensions, payments and securitisation, while opening its doors to fintech entrepreneurs. The island has received a lot of attention for its decision to regulate Distributed Ledger Technologies, which marked the beginning of Malta’s reputation as the “Blockchain Island”. Beyond the digital world, Malta has an opportunity to leverage sectors where it has an established footprint and industry knowledge. The island believes it can play a role in developing specialised financial products for sectors such as gaming, maritime and aviation, while space finance has also been identified as a future growth area.

QUICK GUIDE TO FINANCE IN MALTA

Inspiring Competition Malta is home to a diverse mix of financial services companies. While multinationals, global institutions and some of the worldâ&#x20AC;&#x2122;s top-rated financial firms have located important functions on the island, start-ups and mid-tier financial services companies find Malta a particularly attractive place to grow and scale their products and services. Maltaâ&#x20AC;&#x2122;s lower cost base, when compared with its European competitors London, Dublin and Luxembourg, mean a companyâ&#x20AC;&#x2122;s seed capital can last longer than in the bigger

While Malta would certainly like to grow and nurture the next unicorn, thus far global companies remain the bedrock of its International Finance Centre.

QUICK GUIDE TO FINANCE IN MALTA

and more expensive start-up hubs. As the global finance sector is gearing up for a tech transformation, Malta, with its positive view of and support for emerging digital technologies, such as Artificial Intelligence, robotics, big data, Distributed Ledger Technologies, cybersecurity and Internet of Things, is also gaining the attention of a whole new generation of fintech entrepreneurs and global innovators. While Malta would certainly like to grow and nurture the next unicorn, thus far global companies remain the bedrock of its International Finance Centre. The island has attracted international credit institutions such as HSBC, BNF Bank, Sparkasse Bank and trade finance specialist FIMBank and today hosts more than 20 fund administrators and almost 70 insurance companies. Fund administrators such as Apex and Citco have a presence in Malta, along with insurance specialists Munich Re, Aon and Marsh. In addition, multinationals such as BMW, Peugeot, Citroën and Vodafone have set up captive insurance companies on the island.

Holding its Own The island has attracted international credit institutions such as HSBC, BNF Bank, Sparkasse Bank and trade finance specialist FIMBank and today hosts more than

fund administrators and almost

insurance companies.

Malta’s diversification strategy has paid off in spades, as the introduction of new sectors, such as payments, pensions, securitisation and, most recently, DLT and blockchain, has not only brought new business to the island, but also attracted the attention of a wider audience of service providers and financial advisers. This has helped Malta to shoulder the knock-on effects that many of its core segments have been feeling as a result of a global trend for consolidation among financial services companies, which have turned to mergers and acquisitions to achieve growth and manage the impact of higher compliance costs. The insurance sector is still one of Malta’s top performers, and the island is attracting additional interest due to its Protected Cell Company (PCC) regime, which offers a cost-effective insurance management vehicle. The fund industry has witnessed challenging times in terms of new fund launches but has found fertile ground in attracting fund managers to relocate their international operations to Malta, while fund administrators have begun exporting their services and know-how to the major global asset management hubs. Malta’s supportive business environment and cost base remain the key attraction for smaller funds, start-up managers and private equity. Family offices and multi-family offices are increasingly coming to appreciate the sophistication of Malta. Unlike many other locations, the country offers a whole suite of instruments for wealth managers, ranging from trusts and foundations to yacht and private jet management. While many practitioners report that the level of new business flowing into Malta’s finance sector is lower today than it had been in the past, the sector is still retaining the performance levels of previous years. The outlook for the future remains stable, but the question on everyone’s mind is what will be the ingredients to move Malta’s financial services sector from a stable footing back into growth mode?

QUICK GUIDE TO FINANCE IN MALTA

Regulatory Transformation Many believe the island needs to reinvigorate its traditional strengths. Over the years, the island’s single regulator for financial services, the Malta Financial Services Authority (MFSA), has worked together with the industry in developing the required capabilities, capacity and regulatory frameworks to carve out new lines of business. Malta today is facing the challenge of innovation in an increasingly homogenous industry that is shaped by global regulations which are becoming ever more standardised and prescriptive, in the process eroding many of Malta’s unique selling points. The MFSA, in an attempt to regain its traditional speed-to-market advantage, is now looking to technological advances and undergoing a complete root-and-branch overhaul of its entire operations. It is upgrading its fintech, suptech and regtech infrastructure, along with the strengthening of its regulatory powers. Artificial Intelligence, Distributed Ledger Technologies, automation and cloud technologies are all playing a role in achieving the twin goal of equipping the authority with the tools it needs to ensure all companies play by the rules, while, at the same time, speeding up the process to enable companies to operate and compete on the global market.

Global Standards Malta has signed up to all the global standards that have become the norm of international finance today, and unanimously refuses to be labelled as a tax haven. However, many acknowledge that the changing international landscape for tax planning will force a positive evolution of Malta’s product and service delivery over the longer term. There is no shortage of enthusiastic bodies seeking to exercise power over the financial services industry, ranging from international institutions such as the EU, the OECD and the IMF to national players such as the US who are imposing their own worldview of how financial services should be regulated and taxed on the entire industry. Malta has always insisted that companies have substance and more than ‘brass-plate’ operations. The island is also fully committed to the efforts undertaken by the OECD in combatting Base Erosion and Profit Shifting in international tax structures. No country is fully immune from bad actors, and the MFSA has ushered in and implemented the most recent Know Your Customer (KYC) and AML regulations to ensure a strong line of defence is in place. As many global finance centres have come under the spotlight of international institutions and the media, Malta is committed to addressing genuine concerns and to remaining at the forefront of due diligence innovation to give comfort to both the finance industry and its partners in the EU and around the world.

QUICK GUIDE TO FINANCE IN MALTA

While cryptocurrencies might be the poster child of virtual finance, and Malta’s decision to regulate blockchain technologies turned out to be a headline grabber, the island’s policy-makers highlight that this is just the beginning of what will be a very ambitious journey.

Next-Gen Finance Malta’s International Finance Centre enjoyed 15 years of uninterrupted growth, which saw the sector grow in size and statue. Clients from all over the world have come to appreciate the abilities of Maltese practitioners. The country’s strengths should not be underestimated. The island remains one of the most competitive choices in Europe, and investors believe in Malta. The actions being taken are clearly having the desired effect as business continues to flow to Malta, which is a strong endorsement of the steps the country is taking. As financial companies the world over are strengthening their position in the financial technology race, Malta’s move into digital finance also offers massive growth potential. While cryptocurrencies might be the poster child of virtual finance, and Malta’s decision to regulate blockchain technologies turned out to be a headline grabber, the island’s policy-makers highlight that this is just the beginning of what will be a very ambitious journey. There is no doubt that technology disruption has and will continue to change the face of financial services. The future of finance might look very different, and today’s smart digital business models only offer a glimpse of what is yet to come. With a focus on innovative technologies, a cutting-edge regulatory environment and a willingness to embrace digital disruption, Malta is transforming itself to rise above the competition and become a trusted partner for next-gen finance companies. n

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A QUICK GUIDE TO FINANCE IN MALTA

Reasons to Invest

30 reasons to invest in malta

Malta is where regulatory innovation and emerging technologies complement each other, creating the right conditions for financial companies, both big and small, to thrive. Add to this a seasoned talent pool, strong language skills, a competitive business environment and high quality of life, and it becomes clear why investors believe in Malta, its potential and its future.

QUICK GUIDE TO FINANCE IN MALTA

30 Reasons to Invest

A Diversified Finance Centre Malta plays host to one of the most dynamic and globally connected international finance centres, which is quickly gaining a reputation as an incubator for innovation. The depth and breadth of Malta’s financial sector along with its world-class products and services is what gives Malta the competitive edge over other jurisdictions. A transparent international business partner, Malta offers investors a diverse portfolio of high-quality and well-regulated services for funds, insurance, securitisation, trusts and foundations, banking and financial institutions, payments, blockchain technologies, maritime and aviation management services.

Fast-growing Economy

Rated as one of Europe’s best performing and one of the fastest growing economies in the world, Malta has seen steady GDP growth in the region of 5% per annum in recent years. For a small island nation, Malta’s economy is surprisingly diverse. Financial services, iGaming, tourism, maritime services and highvalue manufacturing are among the sectors that form the basis of the economy.

EU Advantage Malta’s EU membership provides companies with access to the Union’s massive internal market of over 500 million people, but the island’s connections go far beyond that, and Malta is an ideal jumping-off point for accessing the growing markets in Africa and the Middle East.

3 One Regulator

Malta has one financial services regulator, the Malta Financial Services Authority (MFSA), which means companies can benefit from reduced bureaucracy and more streamlined processes. Viewed as serious yet approachable, the MFSA strives to ensure that rules and regulations are flexible enough to allow innovation without compromising the highest standards of consumer protection.

Professional Services

The international business community is strongly supported by an impressive selection of corporate service providers as well as accounting and auditing firms, ranging from small boutique practices to the global ‘Big Four’ accountancy firms. In addition, a large number of law and consultancy firms operate on the island, providing new entrants with the right insight and guidance to make the most of the opportunities that Malta’s finance sector offers.

QUICK GUIDE TO FINANCE IN MALTA

7 6 Access to Decision-Makers

Global Names

Malta’s size makes access to decisionmakers relatively easy. The MFSA is approachable and offers face-to-face meetings with international companies seeking to operate from Malta – a level of access that is rare in other finance centres.

The rising status of Malta’s International Finance Centre is reflected in the increasing number of international brands that operate from the island. Companies such as HSBC, Aon, March, Munch Re, Citco and Apex have been based in Malta for many years and are among the companies that continue to re-invest on the island. In addition, a number of Fortune 500 companies have set up operations here, including multinationals such as BMW, Citroën, Peugeot and Vodafone.

Connected to the World Malta International Airport offers connections to almost every major city in Europe and to key destinations in North Africa and the Middle East, including direct flights to major finance and business centres such as London, Frankfurt, Paris, Dubai, Istanbul, Amsterdam and Madrid. Rated as one of the best small airports in the world, it is well equipped to meet the needs of business travellers. Malta also has a thriving business aviation sector, including many private jet operators who are providing flexible travel alternatives to discerning executives.

Competitive Tax System

Cost Advantage

Companies are taxed at 35% on all profits, however shareholders may claim a 6/7ths refund on the distribution of a dividend, which effectively reduces the corporate tax burden to 5%. Malta’s tax system has been approved by the European Union and the OECD. Further increasing Malta’s attractiveness is a network of over 70 double tax treaties, which include most global and developing economies in the world.

Malta’s main drawcard is the ease of doing business and the cost of operations on the island. Research has shown that Malta is generally 20 to 30% cheaper than other European centres, while a company’s start-up capital may last three to five times longer.

QUICK GUIDE TO FINANCE IN MALTA

30 Reasons to Invest

Strong Telecoms and Data Infrastructure Malta has one of the most advanced and competitive telecoms and data infrastructures in Europe. Large investments in recent years have resulted in stateof-the-art networks with international connectivity. Companies can choose from a wide range of IT solutions providers to effectively manage their technology needs.

12 Company Formation

Blockchain Island

Malta has put in place a wide selection of innovative business structures that investors can choose depending on their needs. The Malta limited liability company can be used for a variety of activities, including holding and trading, mergers & acquisitions, asset management, insurance, securitisation and family offices. In addition to this, Malta offers trusts, foundations, cell companies, as well as specialised securitisation and asset management vehicles.

Start-up Hub

Start-ups, especially those in fintech, find Malta a particularly attractive place due to the concentration of industry players, talent and suppliers on the island. While still remaining affordable, Malta offers the right conditions for tech companies to develop, launch and scale their products.

Malta is leading the charge in disruptive technology and has established the worldâ&#x20AC;&#x2122;s first regulatory framework for blockchain, cryptocurrency and Distributed Ledger Technologies. The country is now setting its sights on developing a robust regulatory framework for Artificial Intelligence, Internet of Things, quantum technology and big data.

15 Strong Work Ethic

With its combination of a pleasant Mediterranean lifestyle and Britishinfluenced work ethic, Malta is fast becoming one of Europeâ&#x20AC;&#x2122;s most soughtafter business centres.

QUICK GUIDE TO FINANCE IN MALTA

Productivity Levels

Speed to Market

Malta’s productivity level compares well with other European countries. Despite the famously laid-back Mediterranean lifestyle, this reputation might be misplaced when looking at Malta. Maltese workers are known for their strong ambition and can-do attitude.

Speed to market has been the key selling point of Malta’s finance centre for many years. The island’s single regulator has simplified many of its processes and cut through much of the red tape that affects the competitiveness of the island’s finance centre while ensuring to maintain the integrity of the financial system.

Stamp of Approval

Malta’s financial services legislation is tried and tested and in line with EU law. It also received the stamp of approval from global institutions such as the OECD and the IMF, while the island’s economy has been given a clean bill of health by all major rating agencies.

A Safe Haven

Malta boasts one of the lowest crime rates in Europe, making it one of the safest and most enjoyable countries to live, work and invest. Despite welcoming two million tourists per year and being one of the most open international business centres, the island still exudes a remarkable family-friendly atmosphere.

Infrastructural Improvements Malta has the infrastructure that anyone would expect to find in a prosperous citystate, although the influx of companies and foreign professionals has prompted government and the private sector to initiate a major overhaul of the country’s infrastructure and built-environment.

QUICK GUIDE TO FINANCE IN MALTA

Educated Workforce

30 Reasons to Invest Work-Life Balance

Malta is renowned for its excellent quality of life. The island’s small size and well-balanced rhythm offer the perfect worklife balance and opportunity to enjoy the proverbial eight hours of work, eight hours of play and eight hours of sleep.

24 23 Malta’s workforce is well educated, ambitious and adaptable, with a wide range of specialisations on offer. The island has become a hotspot for expat employees who now account for 30% of the workforce.

English-speaking Country

Standard of Living

A small cosmopolitan country, Malta offers an excellent standard of living but without the high costs of its European neighbours. Considered to be among the best countries in the world for expats, the island allows for a kaleidoscope of lifestyle choices ranging from urban chic to Mediterranean rural.

English, the global language of business, is one of Malta’s two official languages, along with Maltese. Laws and regulations are published in both languages. Many Maltese are also fluent in Italian and some even speak a fourth language, usually German or French.

A Warm Welcome

Malta is one of the most open and welcoming countries to international professionals. While EEA citizens can live and work in Malta with no restrictions, non-EU nationals require an employment permit, however highly specialised professionals can benefit from a fast-track service.

QUICK GUIDE TO FINANCE IN MALTA

26 Talent Incentives

With talent being the lifeblood of the financial services industry, Malta offers highly qualified foreign professionals a 15% income tax cap to attract the best and brightest to live and work on the island.

Sunshine Island

Malta is one of the easiest places to relocate to in the EU, and residents enjoy an exceptional standard of living: 10 months of sunshine, an English-speaking population and a Mediterranean island setting in which it is easy to become a local.

27 Full Support

The financial sector enjoys the full support from Malta’s political leaders who are committed to ensuring the growth of the sector by responding to emerging trends and positioning Malta as a hub for digital and financial innovation.

29 Perfectly Timed

Malta lies in a convenient time zone for doing business across the world: one hour ahead of GMT, meaning office hours coincide with Asia in the morning, Europe throughout the day and the US in the afternoon.

30 All Round Package

With a favourable business environment, a strong economy, EU membership, a skilled and dedicated workforce, good communications and a geographical position straddling the major trade routes, Malta offers businesses one of the most attractive all-round packages available.

Uniquely international

Uniquely local Malta’s international set of legal, trust, corporate iduciary firms, employing advocates, tax advisors & accountants. We provide the full range of legal & advisory services in a multi-disciplinary practice. Representing private individuals, corporations, family offices, governments & other organisations, with an international focus. Centrally managed in the EU tax efficient jurisdiction of Malta, Acumum provides superb client service & practical advice at competitive, transparent pricing.

Aviation Banking Competition Corporate Services Cross border Transactions & Disputes EU Law

Financial Services

Managing Partner Geraldine Noel UK Barrister – Registered in Malta M.A. (Hons) (Oxford), Pg Dip, LLM (Fordham) Malta Office: +356 2778 1700 E: info@acumum.com Skype ID: acumum

260 St Albert’s Street, Gzira, GZR 1150, Malta (EU)

Gaming Insurance Intellectual Property LPO Mergers & Acquisitions Private Client Public & Private law Taxation Telecoms, Media & Technology

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Licensed by the Malta Financial Services Authority to provide Trustee, Foundations & Corporate Services Individual Barristers & Advocates Regulated by the Bar Standards Board (England) / Ministry of Justice (Malta)

THE

WHO’S WHO

19 2o

of Financial Services in malta

TOP 100+ Companies

Malta’s top product Service & Solution providers

The Definitive Referral Guide of Malta’s most reputable financial firms, executives and professional advisers.

Accounting & Auditing

PKF (Malta)

3a Accountants

PwC

Altima Malta Limited

RSM Malta

Baker Tilly Malta

UHY Pace Galea Musu & Co

BDO Malta

VCA

Busuttil & Micallef

Walter Rizzo & Associates

Camilleri Galea Ltd

Zampa Debattista

Capstone Group

Ciantar Associates

Banking Services

Crowe Horwath (Malta)

AgriBank

Deloitte

Akbank T.A.S.

DFK Malta

APS Bank plc

Ecovis (Malta) Consultants Ltd

Bank Of Valletta plc

Ernst & Young Limited

BNF Bank Plc

FACT Group

Commbank Europe Limited

FG Audit Ltd

Credit Europe Bank Nv Malta Branch

Firstbridge Services Ltd.

Credorax Bank Ltd

GCS Accounting Malta Limited

ECCM Bank Plc

Grant Thornton

Fcm Bank Limited

Griffiths + Associates Ltd

Ferratum Bank P.L.C.

HLB Malta

FIMBANK

KPMG

HSBC Bank Malta plc - Commercial Banking

KSi Malta

IIG Bank (Malta) Ltd

Louis Padovani & AssociatesÂ

Izola Bank plc Lombard Bank Malta plc

M. Meilak & Associates Mazars Malta

MeDirect Bank

McMillan Woods Ltd

MFC Merchant Bank Ltd

MGI Malta

NBG Bank Malta Limited

Mint Finance Limited

Novum Bank Limited

Moore Stephens

Sparkasse Bank Malta plc

Nexia BT

Turkiye Garanti Bankasi Anonim Sirketi

NM Group Nouv Audit Limited

Yapi Kredi Bank Malta Ltd

70 73

THE

WHOâ&#x20AC;&#x2122;S WHO

of Financial Services in malta

Corporate Services

Corporate Services Limited

8 Corporate Services Limited

Corrieri Cilia Legal

Abacus Corporate Services Limited

Credal Advisory Ltd

ACT Advisory Services Limited

Credence Corporate & Advisory Services Ltd

Active Services (Malta) Ltd

CSA Group

ADD+ Professional Services Limited

CSB Group

Aegis Corporate Services Limited

Dixcart Management Malta Limited

Affinity Management Services (Malta) Limited

DM Europe Ltd *

Aldo Vassallo, Taxation and Residence Consultancy

Dohle Services (Malta) Limited

AlleyBe Ltd

Dominion Fiduciary Services (Malta) Ltd

Amicorp Malta Limited

Dr Kresse International Law firm

Aml-Atlantis Management Ltd

Dynamic Management Solutions Limited

Antelope Group

E&S Group

Aqua Trust Services Malta Limited

E2S Monitoring Limited

Arendt Services Malta

Ecdp Malta Limited

ARQ Group

EJZ Comprehensive Business Services Ltd

Artio Corporate Services Limited

e-Management Limited

Astra Consulting Malta Limited

EMCS Ltd

Athos Family & Business Services (Malta) Ltd

Equiom (Malta) Limited

Avanzia Taxand

Erremme Corporate Services Limited

Bastille Malta Trustees Limited

Estera

BEAT Limited

e-Volve Consultancy Limited

Bencini Demajo Corporate Services Limited

Exco Services Ltd

Bosteco Overseas Specialised Services Limited

Fairwinds Management Limited

Boston Multi Family Office

FBS Trust Limited

Bourse Corporate Services (Malta) Limited

Fenlex Group

CCPS Malta

Fides Corporate Services Ltd

CDF Advocates

Fidgen Malta Ltd

Centaur Services (Malta) Ltd

Finanz-Audit Limited

Citco (Malta) Ltd

Finco Trust Services Ltd

Combined Maritime Services Limited

Francis J. Vassallo & Associates Ltd

Contact Advisory Services Limited

Franco Falzon & Associates

Corpag Services (Malta) Limited

Frendo Advisory

Corporate Focus Limited

G M International Services Limited

58 58

THE

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of Financial Services in malta

HBM Malta Limited

Integrated-Capabilities (Malta) Ltd Integritas Group

Sovereign Trust (Malta) St Julian's Advisory

Summa Fiduciary Services

International Management Services Ltd

Summa Fiduciary Services Ltd

Intertaxaudit Auditors & Consultants (Malta) Ltd

Trident Trust Company (Malta) Ltd

J.B. Sorotto Limited

Tri-Mer Services Ltd

John Huber and Associates Tax Services

Trustmoore Corporate Services (Malta) Limited

JTC Group Malta

Unifin Services Limited

Juanafil Corporate Services Ltd

United International Management (Malta) Limited

Kinanis Fiduciaries Limited

Vassiliades & Co. (Malta) Limited

Kosco Management Services Ltd.

Vistra Malta Ltd

Kylin Prime Group

War Chest Fiduciary Services Limited

lecocqassociate ltd

Werner & Partner

LGA International Ltd

White November Corporate Services (Malta) Ltd

Maitland Malta Limited

Zedra Malta

Mandaris Group (Malta) Ltd

Zeta 77

Mann Made Malta Ltd

Zugimpex Assurance Ltd.

Mediterra Mmxii Services Ltd

Courier & Postal

MJM Europe Limited Newco Corporate Services Ltd Octave Corporate Services

C & C Express Ltd DHL Malta

Papilio Services Limited PiscoPartners

Custody & Depository Services

PraxisIFM

Citco Custody Limited

Primei Fiduciary Ltd.

Dolfin Asset Services Limited

Prospera Europe Limited

Reyl & Cie (Malta) Ltd

Quantum Corporate Services Limited

Swissquote Financial Services (Malta) Ltd

Quinton Trust (Malta) Limited

Zarattini International Ltd

72 77

Reanda Malta Limited RGN Malta Ltd.

Exchanges & Markets

Rosemont (Malta) Ltd

Institutional Financial Securities Market

S & D Yachts Limited

Malta Stock Exchange

Sarnia Yachts (Malta) Limited

Prospects

Scordis, Papapetrou & Co Consultants Limited

TokenMarket

Sheltons Malta

Tel: +356 2557 2557 | Email: info@csbgroup.com

Financial Data Services

Insurance Agents and Brokers

Thomson Reuters

Accord Insurance Brokers Pcc Ltd Aib Insurance Brokers Limited

Fund Administrators Alter Domus (Services) Malta Limited

Argus Insurance Agencies Limited 40

Firstunited Insurance Brokers Limited

Apex Fund Services (Malta) Ltd BOV Fund Services Limited

Bonnici InsuranceÂ Agency CLS Risk Solutions

Amicorp Fund Services Malta Ltd 46

Global Insurance Brokers Limited

Citco Fund Services (Malta) Limited

Island Insurance Brokers Limited

Custom House Global Fund Services Ltd

Jatco Insurance Brokers Pcc Limited

Estera International Fund Services (Malta) Ltd

Laferla Insurance Agency Limited

Finanz Fund Services

Mediterranean Insurance Brokers (Malta) Ltd

Kane LPI Solutions (Malta) Ltd

Montaldo Insurance Agency Limited

Mainstream Fund Services (Malta) LtdÂ

Osprey Insurance Brokers Co Ltd

Praxis Fund Services (Malta) Limited

South Risk Partners

Sanne Fund Services Malta Ltd

Tempus Global Group

SGGG Fexserv Fund Services (Malta) Ltd

Thomas Smith Insurance Agency Limited

Trident Fund Services (Malta) Ltd

VING Insurance Brokers

Fund Services

Insurance Management

Argentarius ETI Management Ltd

Abacus Risk Management Services

Coprolin Fund Services Ricc Ltd

AON Insurance Managers

OpenFunds Investment Services

Artex Risk Solutions (Malta) Limited

Bee Insurance Management

HR & Recruitment

JLT Insurance Management

Azure Rock Partners Ltd

Marsh Management Services Malta Limited

Boston Link

PSA Insurance Manager

Castille Resources

Robus Risk Services

Konnekt

Strategic Risk Solutions Insurance

MISCO 70

Management Services Europe

Nicholls Moisa

USA Risk Group (Malta) Ltd

Reed Specialist Recruitment Malta

Willis Towers Watson Management

VacancyCentre 74

THE

WHO’S WHO

of Financial Services in malta

Insurance Services

Investment Services

Argoglobal Se

A3E Capital SICAV p.l.c.

Atlas Insurance PCC Ltd

Abalone Asset Management Ltd

Axeria Insurance Limited

ALB Limited

Bavaria Reinsurance Malta Limited

Alpha Value Management Limited

Building Block Insurance Pcc Limited

Altarius Asset Management

Citadel Insurance plc

Amagis Capital Management Ltd

Collinson Insurance Solutions

Amarillo Investment Solutions Ltd

DARAG Group Ltd

Andurand Capital Management Limited

Elmo Insurance Ltd

Aqa Capital Ltd.

Eucare Insurance PCC Ltd

Aramis Capital (Europe) Ltd

Exchange Re SCC

Audentia Capital Group

Fortegra Europe Insurance Company

AUM Asset Management Limited

Fresenius Medical Care Global Insurance Ltd.

Auriga Asset Management Limited

GasanMamo Insurance Ltd

Bastion Wealth Limited

Globalcapital Financial Management Limited

BOV Asset Management Limited

Highdome Pcc Limited

Calamatta Cuschieri Investment Services Ltd

HSBC Life Assurance (Malta) Ltd

Cevian Capital

London & Leith Insurance PCC

Conrad Family Office

MAPFRE Middlesea plc

Curmi & Partners Ltd

Mapfre Msv Life P.L.C.

FCS Asset Management

Munich Re of Malta p.l.c.

Finisterre Malta Ltd

Nissan International Insurance Ltd

Flexagon Capital Management Ltd

Oney Insurance (Pcc) Limited

FMG (Malta) Ltd

Premium Insurance Company Limited

Framont & Partners Management Ltd

Starr Europe Insurance Ltd

Gamma Capital Markets

Tangiers Group

Gamma Capital Markets Ltd

Hanover Investors Management (Malta) Ltd

Investment Migration

Heptagon Capital

CS Advisory

Integra Private Wealth Ltd

Henley & Partners Malta

Invest4Growth Asset Management Ltd Jesmond Mizzi Financial Advisors Limited KNG Securities Medina Management Services Limited

Mediterrania Capital Partners

Calleja & Associates

Michael Grech Financial Investments Services Ltd

Camilleri Cassar Advocates

MPG Asset Management Ltd

Camilleri Preziosi

MZ Investment Services Ltd

Camilleri, Delia, Randon & Associates

Praude Asset Management Limited

Chetcuti Cauchi

Prestige Capital Management Limited

Dalli Advocates

Private Value Asset Management Ltd

David Griscti & Associates

Psg Fund Management (Malta) Limited

David Zahra & Associates Advocates

Rizzo, Farrugia & Co (Stockbrokers) Ltd

DF Advocates

Scotstone Fund Managers Ltd

Dingli & Dingli Law Firm

SphereInvest GroupÂ

EMA Advocates

Spinoza Capital

EMD Advocates

Templar European Investment Services

Fenech & Fenech Advocates

Timberland Invest Ltd

Fenech Farrugia Fiott Legal

Transworld Plus PLC

Filletti & Filletti Advocates

Galea Salomone & Associates

KYC & Due Diligence

Ganado Advocates

Aqubix Ltd

Gauci Maistre Xynou

CDDS Mediterranean Ltd

Gonzi & Associates Advocates

Creditinfo Malta Limited

Grech & Ghaznavi Advocates

Infocredit Group Ltd

GTG Advocates

Kroll

Guido De Marco & Associates

QGen

GVZH Advocates IURIS Advocates

Legal Services

LexPractis Limited Mamo TCV Advocates

Abela Advocates Acumum - Legal & Advisory

Micallef & Associates

Advocate Magro Axelsson & Associates

Mifsud & Mifsud Advocates

Advocates Primei

Mifsud Bonnici Advocates

Aequitas Legal

Muscat Mizzi Advocates

AGG Advocates

Naudi Mizzi & Associates

Azzopardi & Busietta Associates

NX Legal

Be. Legal Advocates

PCM Legal

Borg & Associates Advocates

Refalo & Zammit Pace Advocates

THE

WHOâ&#x20AC;&#x2122;S WHO

of Financial Services in malta

Rutter Giappone & Associates

Insignia Cards Limited

Saga Juris Advocates Saliba Stafrace Legal

Mistral Pay Ltd 73

MoneyMatrix Ltd

Salomone Sansone

Nobel Financial Limited

Sammut Legal

Papaya Ltd

Scerri & Bonello Advocates

Paymentworld Europe Limited

SMM Advocates

Paymix Ltd

Spiteri Bailey Advocates

Payscout Limited

Tanti Dougall & Associates Advocates

Phoenix Payments Ltd

Valletta Legal

Securetrading Financial Services Limited

Vella Grech Legal

Truevo Payments Ltd

WDM International

Trustly Ab Malta Branch

WH Partners

Uniongoldenpay Ltd.

Zerafa Advocates

Western Union Business Solutions Ysg Safe Processing Ltd.

Media Services CountryProfiler Malta Limited

Pensions Management Blevins Franks Group

Office & Business Park Business Office Services International (Malta)

Boal & Co (Malta) Limited 46

Ccgm Pension Administrators Limited

Regus Serviced Offices

ITC International Pensions

Smartcity Malta

ITC International Pensions Ltd Mc Trustees (Malta) Limited

Office Equipment Services Eworld Limited Systec Ltd

Momentum Pensions Malta Limited 54

Optimus Pension Administrators Ltd Sovereign Pension Services Limited STM Malta Trust & Company Management Ltd

Payment & Card Services

TMF International Pensions

Eft Global Limited

Trireme Pension Services (Malta) Ltd

Em@Ney P.L.C. Entercash Ltd.

Promotional Agency

EPG Financial Services Limited

FinanceMalta 58

Fexserv Financial Services Ltd Global Payments Limited

Laws change.

VALUES DO NOT

Established in 1891, Fenech & Fenech Advocates is a leading Maltese full service law firm providing value-driven, tailored legal services across all practice areas.

The Fenlex Group, the firmâ&#x20AC;&#x2122;s trust and corporate services provider, is recognised as one of the leaders on the island.

198, Old Bakery Street, Valletta VLT1455, Malta T: +356 2124 1232 | E: info@fenechlaw.com

85, St John Street, Valletta VLT1165, Malta T: +356 2124 1817 | E: info@fenlex.com

fenechlaw.com

fenlex.com

THE

WHO’S WHO

of Financial Services in malta

Real Estate

Telecoms & Data

Belair Real Estate

BMIT Technologies Ltd

Chestertons Malta

GO p.l.c

Dhalia

Melita

Engel & Volkers

Vodafone Malta Ltd

Frank Salt Real Estate Ltd

Travel & Leisure

John Taylor Malta Sotheby's International Realty

Perry Estate Agents

Hilton Malta La Valette Club

Remax

Trust Services Risk & Compliance

Atom Trustees Ltd

Actaco Financial

Arcem Trust Limited

AID Compliance Ltd

Bentley Trust (Malta) Limited Capricorn Trustees Ltd

Cordium RiskCap International Ltd

Software & IT Services

Fiducia Trustees Limited GVZH Trustees Ltd

HBM Trustees Limited

Swissindependent (Malta) Ltd

Ascent Software 4Sight Group

Acumatica

VFA Agent

Computime Software

Alleybe Fintech

Facilization Ltd

BDO Fintech Advisory

ICT Solutions

Blockchain Advisory Ltd

Linedata

Caledo Group

Profile Software

CS Fintech Services Ltd

Thynk Software Ltd

DWP VFA Agent Equity Tech Solutions Erremme Business Advisors Grant Thornton WH Innovation Zerafa.io Ltd

A QUICK GUIDE TO FINANCE IN MALTA

SOFTWARE & IT SERVICES

4SIGHT GROUP Established in 2007, 4Sight Group is a technology centric group of firms delivering a boutique of IT services. 4Sight Group helps businesses with IT requirements in the fields of IT Consultancy, Support, Infrastructure, Software Development, Business Solutions, Branding, Online presence, Digital Marketing and search engine optimisation (SEO).

MAURIZIO MAMO CHIEF EXECUTIVE OFFICER

LEGAL SERVICES

22, Level 1, Wenzu Dyer Street, Hamrun- Malta T: (+356) 2780 0882 • E: info@4sightconsultants.com • W: www.4sightconsultants.com Contact: Maurizio Mamo - Chief Executive Officer

ACUMUM – LEGAL & ADVISORY Acumum’s senior management of lawyers, accountants and tax advisers provides expert, trusted, cost efficient and bespoke services to an international clientele: individuals, family offices, corporations, Governments & other service providers. Believing in long-term relationships, we provide holistic, sustainable and practical solutions to clients, whilst being committed to a superb level of client service. Centrally managed in the fiscally efficient European jurisdiction of Malta, Acumum’s operations are overseen by Geraldine Noel, a UK barrister registered in Malta, with over 25 years international legal experience. Specialisms: Aviation, Banking & Financial Services, Fiduciary – Trusts & Foundations, Gaming, Intellectual Property, Insurance, Maritime, Personal & Corporate Tax Structuring, Wealth & Estate Planning.

GERALDINE NOEL PARTNER

FUND ADMINISTRATION

260, St Albert’s Street, Gzira GZR 1150 - Malta T: + (356) 2778 1700 • E: info@acumum.com • W: www.acumum.com Contact: Geraldine Noel - Partner

ALTER DOMUS (SERVICES) MALTA LIMITED Alter Domus is a fully integrated provider of Fund and Corporate Services, dedicated to international private equity & infrastructure houses, real estate firms, private debt managers, multinationals, capital market issuers and private clients. Each of our two service lines - Corporate Services and Fund Services - are staffed by multi-disciplinary, industry-focused teams who specialise in handling our clients’ local administrative and compliance issues. Alter Domus today counts 40 offices and desks across five continents through which clients are able to benefit from the global expertise of more than 2,200 experienced professionals active in fund administration, corporate secretarial, accounting, consolidation, tax and legal compliance, depositary services and debt administration services.

CHRIS CASAPINTA COUNTRY EXECUTIVE MALTA AND ITALY DESK LEADER

Vision Exchange Building, Territorials Street, Mriehel BKR3000 - Malta T: (+356) 2205 1000 • E: Chris.Casapinta@alterdomus.com • W: www.alterdomus.com Contact: Chris Casapinta - Country Executive Malta and Italy Desk Leader

BANKING SERVICES

Business Directory

APS BANK PLC APS Bank is one of the oldest banks in the Maltese Islands and is a leading provider of financial services, offering personal, business and investments solutions. Its distribution channels consist of a network of branches and ATMs complemented by a versatile electronic banking platform, which serves the retail and commercial customer base. Being a pillar of community banking for over a century, APS Bank is committed as ever to the economic and social development of its marketplace. APS Bank is one of the most exciting and enterprising banks with an agenda of modernisation and growth, helped in no small way by its young, qualified and highly talented workforce. MARCEL CASSAR CHIEF EXECUTIVE OFFICER

CORPORATE SERVICES

APS Centre, Tower Street, Birkirkara BKR 4012 - Malta T: (+356) 2122 6644 • E: ceo@apsbank.com.mt • W: www.apsbank.com.mt Contact: Marcel Cassar - Chief Executive Officer

ARQ GROUP ARQ Group is a multi-disciplinary professional services organisation providing a wide range of corporate & advisory services to local & international clients. Our team of over 80 talented professionals include lawyers, accountants, tax specialists and economists working together to deliver innovative solutions that help drive our client’s business forward. ARQ’s core service areas include: Company incorporation & administration; Accounting & VAT compliance; Taxation; Trust & fiduciary services; Investment migration solutions, Economic & Business Intelligence reporting and specialist advisory services within the digital economy, financial services, risk and AML, real estate and alternative energy sectors. DAVID BORG PARTNER - BUSINESS DEVELOPMENT & INTERNATIONALISATION

INSURANCE SERVICES

Ewropa Business Centre, Level 3 – 701, Dun Karm Street, Birkirkara, BKR9034 - Malta T: (+356) 2549 6000 • E: info@arqgroup.com • W: www.arqgroup.com Contact: David Borg - Partner, Business Development & Internationalisation

ARTEX RISK SOLUTIONS (MALTA) LIMITED Artex Risk Solutions is the global Insurance Management subsidiary of Arthur J. Gallagher with 15 offices and 30 domiciles throughout North America and Europe, employing 400+ employees with 1,500+ customers worldwide. We specialise in innovation, creation and management of insurance and alternative risk transfer solutions that deliver costeffective and sustainable advantages to our clients. The Artex Malta office is regulated by the Malta Financial Services Authority, and the Malta team includes experienced practitioners covering the full remit of services required for managing insurance risks for clients throughout Europe. Whether you require a captive, access to a protected cell company or setting up your own EU direct write underwriting operation, we are able to assist.

STUART CIAPPARA MANAGING DIRECTOR

The Landmark, Level 1 Suite 2, Triq l-Iljun, Qormi QRM 3800 - Malta T: (+356) 2248 9100 • E: info@artexrisk.com.mt • W: www.artexrisk.com Contact: Stuart Ciappara - Managing Director

BIG EXPERIENCE

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AUDIT I ACCOUNTANCY I ADVISORY I ASSURANCE I TAX Mazars Malta 32, Sovereign Building Zaghfran Road, Attard ATD 9012 Tel: +356 21345 760 E-mail: contact@mazars.com.mt

CORPORATE SERVICES

Business Directory

ATHOS FAMILY & BUSINESS SERVICES (MALTA) LTD Athos Family & Business Services (Malta) Ltd is part of the Athos Group, an international trust boutique. The Athos Group focuses on the implementation and maintenance of global estate planning and asset protection structures for corporate clients and (ultra) high-net-worth individuals and their private and/or family-owned businesses. We work in close cooperation with the client’s own advisers in creating effective tax and legal solutions. Athos Group is proud to serve reputable families, entrepreneurs and their companies. We believe in top quality services with a personal approach against fair prices. BARRY WOESTENBURG MANAGING DIRECTOR

INSURANCE SERVICES

Whitehall Mansions, Level 2, Ta’ Xbiex Seafront, Ta’ Xbiex XBX1026 - Malta T: (+356) 2099 6099 • E: barry.woestenburg@athos-group.com • W: www.athos-group.com Contact: Barry Woestenburg - Managing Director

ATLAS INSURANCE PCC LTD Atlas Insurance has been one of Malta’s leading insurance organisations since the 1920s. Atlas converted to an independent PCC in 2006, a first for Malta and the EU, whilst continuing to write local insurance in its active non-cellular core. Through its Protected Cell Company (PCC) structure, expertise and resources, Atlas enables selfinsurance, InsurTechs and other third-party writers into the captive and insurance market promoting innovation. Atlas PCC gives promoters the opportunity to own their own EU insurance vehicle with less capital and cost, also avoiding fronting requirements. With a highly educated staff complement of over 170 people, the group also includes Atlas Healthcare Insurance Agency Ltd and Jesmond Mizzi Financial Advisors Ltd. MICHAEL GATT MANAGING DIRECTOR

CORPORATE SERVICES

48-50, Ta’ Xbiex Seafront Ta’ Xbiex, XBX 1021 - Malta T: (+356) 2343 5221 • E: michael.gatt@atlas.com.mt • W: www.atlaspcc.eu Contact: Michael Gatt – Managing Director

AVANZIA TAXAND Avanzia Taxand is exclusively Taxand Malta. Taxand is the world’s largest independent tax organisation offering practical, expert-led advice. Avanzia Taxand can help turn your tax challenges into strategic solutions that will work for you and your business. International surveys have consistently ranked the firm very highly. Avanzia Taxand is the leading tax firm in Malta and was named ‘Malta Tax Firm of the Year’ by the International Tax Review in 2019, 2013 and 2016. In 2011, 2014, 2015, 2016 and 2018, it was named Malta Tax Firm of the Year by Corporate International.

WALTER CUTAJAR MANAGING DIRECTOR

Blue Harbour Business Centre, Level 1, Ta’ Xbiex Yacht Marina, Ta’ Xbiex XBX 1027 - Malta T: (+356) 2730 0045 • E: walter.cutajar@avanzia.com.mt • W: www.avanzia.com.mt Contact: Walter Cutajar - Managing Director

A QUICK GUIDE TO FINANCE IN MALTA

ACCOUNTING & AUDITING

BAKER TILLY MALTA Baker Tilly Malta is a firm of accountants, auditors, taxation and business advisers providing services for business operating in all spheres of the economy, both locally and overseas. Baker Tilly Malta is an independent member of Baker Tilly International, a worldwide network of leading accountancy practices with members operating in more than 145 territories around the world, ensuring that our clients are able to draw on professional advice on any aspect of international affairs. The philosophy of the firm is based on the concept of providing forward thinking and planning, and being able to offer an independent and innovative service for client’s business goals. DONALD SANT MANAGING PARTNER & HEAD OF AUDIT

BANKING SERVICES

Level 5, Rosa Marina Building, 216 Marina Seafront, Pieta PTA 9041 - Malta T: (+356) 2010 9500 • E: info@bakertilly.mt • W: www.bakertilly.mt Contact: Donald Sant - Managing Partner & Head of Audit

BANK OF VALLETTA PLC Bank of Valletta is the leading financial services provider in Malta. The Bank serves its clients via an extensive network of branches offering personal solutions to retail customers; Business and Trade Finance Centres dedicated to SMEs; regional Investment Centres providing tailored advice to personal clients; a Premium Banking Centre offering high-end services to corporate companies and wealth management customers as well as representative offices in Brussels, London and Milan. Additionally, it provides capital market brokerage, fund administration services and structures financial solutions for institutional clients. Bank of Valletta is at the forefront of digital banking, offering customers a vast suite of local and international cards, internet and mobile banking. MARIO MALLIA CHIEF EXECUTIVE OFFICER

TRUST SERVICES

BOV Centre, Triq il-Kanun, Santa Venera SVR 9030 - Malta T: (+356) 2275 3155 • E: romeo.cutajar@bov.com • W: www.bov.com Contact: Romeo Cutajar - Chief Officer Investment Services

BENTLEY TRUST (MALTA) LIMITED Bentley Trust (Malta) Limited provides Trust and Company formation and administration on an international, multi-jurisdictional basis. We specialise in meeting the varied requirements of wealthy individuals and their families, entrepreneurs, corporate executive and charities. We can tailor solutions to address a broad range of client objectives. From our base in Malta and together with your chosen professional advisers, Bentley Trust (Malta) Limited offers a highly personal, discrete service providing flexible, efficient administration of all client assets on a global basis. Bentley Trust (Malta) Limited is regulated by the Malta Financial Services Authority. The Bentley Reid Group has offices in Hong Kong, Malta and London, UK. MALCOLM BECKER CHIEF EXECUTIVE OFFICER

Level 7, Portomaso Business Tower, St Julians STJ 4011 - Malta T: (+356) 2137 8828 • E: malta@bentleyreid.com.mt • W: www.bentleygroup.com Contact: Malcolm Becker - Chief Executive Officer

Infinite Possibilities

Regulated Main Market An EU-Regulated Market facilitating access to capital Garrison Chapel, Castille Place, Il-Belt Valletta VLT 1063 2124 4051 borza@borzamalta.com.mt /maltastockexchangeplc

@MaltaStockExch

A QUICK GUIDE TO FINANCE IN MALTA

TELECOMS & DATA

BMIT TECHNOLOGIES LTD BMIT is one of Malta’s leading IT services providers, established over 15 years ago. Its product portfolio includes a range of data centre and hosting services – offered from its two data centres in Malta and points of presence in Italy and Germany - public, private and hybrid cloud services and managed IT services and disaster recovery solutions. An ISO 27001 and PCI DSS-certified company, it services a wide portfolio of customers from industries such as telecommunications, financial services, online gaming, media, IT, transport and logistics, amongst others.

CHRISTIAN SAMMUT CHIEF EXECUTIVE OFFICER

FUND ADMINISTRATION

SCM02, Level 2, SmartCity Malta, Ricasoli SCM 1001 – Malta T: (+356) 2258 8218• E: marketing@bmit.com.mt • W: www.bmit.com.mt Contact: Christian Sammut- Chief Executive Officer

BOV FUND SERVICES LIMITED BOV Fund Services Ltd is Malta’s fund industry pioneer and a fully owned subsidiary of Bank of Valletta plc, Malta’s largest banking group. Through the dedication of its highly qualified and professional human resources as well as significant investment in state-of-the-art technology, BOV Fund Services has positioned itself as Malta’s leading fund administration company. The company provides fund managers and promoters with a one-stop-shop solution in structuring all fund typologies on a turnkey basis, and a comprehensive suite of fund administration services including fund accounting, shareholder registry services, regulatory reporting, corporate services, and other ancillary services. BOV Fund Services is recognised as a Fund Administrator and licensed as a Company Services provider by the Malta Financial Services Authority.

MARTIN FARRUGIA EXECUTIVE HEAD

OFFICE & BUSINESS PARK

TG Complex, Suite 2, Level 3, Triq il-Birrerija, l-Imriehel Birkirkara BKR 3000 - Malta T: (+356) 2122 7148 • E: infobovfs@bov.com • W: www.bovfundservices.com Contact: Martin Farrugia- Executive Head

BUSINESS OFFICE SERVICES INTERNATIONAL (MALTA) Business Office Services offers fully furnished, high-quality, plug-and-play serviced offices within a Business Centre in Mrieħel. Besides office space, clients are offered a full suite of associated business services tailored to their individual requirements. Organisations ranging from startups, requiring a minimal amount of space, to larger companies requiring a larger footprint, now have the opportunity to relocate to a centrally located business office. Business Office Services allows clients to focus on their business, whilst the day-to-day operations are taken care of by a team of highly trained professionals. On-site private parking facilities are also available. AMANDA BALZAN OFFICE MANAGER, MALTA

Vision Exchange Building, Territorials Street, Mrieħel, Birkirkara BKR 3000 - Malta T: (+356 ) 2014 5300 • E : Amanda.balzan@boservices.com.mt • W: www.bos-international.com Contact: Amanda Balzan - Office Manager, Malta

A QUICK GUIDE TO FINANCE IN MALTA

VFA AGENT

CALEDO GROUP Caledo houses advocates, academics, technologists, policy and regulatory experts, economists, security and fintech specialists to provide its clients with an exceptional one-stop-shop environment. In a world where developments in technology are constantly pushing the boundaries of laws and society, we believe that an interdisciplinary expertise is the lynchpin for innovation in our industry.

DR IAN GAUCI PARTNER

ACCOUNTING & AUDITING

66, Old Bakery Street, Valletta - Malta E : info@caledogroup.com • W: www.caledogroup.com Contact: Dr Ian Gauci - Partner

CAPSTONE GROUP Capstone Group is a well-established firm of professional accountants and auditors providing specialised assurance, audit and ancillary professional services to its clients. The Firm is authorised by the Malta Accountancy Board to undertake statutory audits, by the Malta Financial Services Authority (MFSA) to carry out audits of license holders and by the Malta Gaming Authority (MGA) to provide system and compliance audits. The firm thus acts for a number of local and international clients, including financial institutions, remote gaming businesses, government entities and other trading and holding entities. We pride ourselves on delivering a wide range of effective strategic solutions for business, and we measure our success by that of our clients. KRIS BARON AUDIT PARTNER

LEGAL SERVICES

Ewropa Business Centre, Level 3 - 703, Dun Karm Street, Birkirkara, BKR9034 - Malta T: (+356) 2549 6500 • E: info@capstonegroup.com.mt • W: www.capstonegroup.com.mt Contact: Kris Baron - Audit Partner

CHETCUTI CAUCHI Chetcuti Cauchi is an international firm with offices in Malta, Cyprus, London, Zurich as well as Hong Kong. Its multidisciplinary approach brings together tax and accounting professions into one personalised project team. In this way, clients will be able to benefit from a boutique approach, with the excellence associated with larger firms. The firm prioritises the highest level of service within a range of practices, including: Corporate & Tax, Financial Services & Fintech, Yachts & Jets, Residency & Citizenship and Property. The partners heading these practices deliver client-centric solutions to ensure that the quality and excellence of the firm are evident. DR PRISCILLA MIFSUD PARKER SENIOR PARTNER CORPORATE, TRUSTS & FINTECH

120, St Ursula Street, Valletta VLT 1236 - Malta T: (+356) 2205 6603 • E: askpmp@cclex.com • W: www.cclex.com Contact: Dr Priscilla Mifsud Parker - Senior Partner Corporate, Trusts & Fintech

We are an independent, multi-family office based in London offering personal and confidential services to High and Ultra High Net Worth national and international clients. Known for our integrity and synonymous with success, people are at the core of what we do. Working with outstanding professionals and trusted partners from across the globe. • Investments • Property Acquisitions • Legal Representation • Luxury Vehicle Hire • Private Aviation • Hotels

CONRAD FA M I LY O F F I C E Conrad Family Office, 34 Queen Anne Street, London, W1G 8HE Tel: +44 (0)3333 232 551, Email: enquiry@conradfamilyoffice.com, Web: www.conradfamilyoffice.com

A QUICK GUIDE TO FINANCE IN MALTA

INSURANCE SERVICES

CITADEL INSURANCE PLC Established in 1997, Citadel Insurance is a composite company authorised by the Malta Financial Services Authority (MFSA) to transact both general and life insurance. Citadel offers a full complement of insurance products for corporate and individual clients for their business and personal protection needs. Citadel is unique, as it also offers life and savings products. Bespoke packages are available for SMEs and large corporations, including employee benefits for life, health and personal accident along with directors and officers insurance, professional indemnity, key man insurance and more.

ANGELA TABONE MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER

INVESTMENT SERVICES

Casa Borgo, 26, Market street, Floriana FRN 1082 - Malta T: (+356) 2557 9000 • E: info@citadelplc.com • W: www.citadelplc.com Contact: Angela Tabone – Managing Director and Chief Executive Officer

CONRAD FAMILY OFFICE We are an independent, multi-family office based in London offering personal and confidential services to HNW and UHNW national and international clients. Our clients are busy people whose personal assets and family affairs are often complex and timeconsuming. By providing them with expert advice and proactive solutions in all aspects of their lives, we assist with the multiple issues that confront them every day whilst maintaining a focus on preserving and growing their wealth. Great people are at the core of everything we do. Working with outstanding professionals and trusted partners from across the globe, we aim to provide a truly exemplary service for all our client’s needs, thereby ensuring they leave a rich legacy. JOHN CLIFFORD MANAGING DIRECTOR

MEDIA SERVICES

34, Queen Anne Street, London, W1G 8HE - United Kingdom T: (+44) 3333 232 551 • E: enquiry@conradfamilyoffice.com • W: www.conradfamilyoffice.com Contact: John Clifford - Managing Director

COUNTRYPROFILER MALTA LIMITED CountryProfiler (CP) is an international media company that specialises in the publication of country reports and investment guides on the world’s most innovative and high-growth markets for trade, foreign investment and international financial services. CountryProfiler’s publications provide blue-chip companies, their executive management and professional advisors with global business intelligence and market insight they require when managing cross-border operations, investing or doing business with new markets. CountryProfiler’s publications are considered to be among the most prestigious economic intelligence products available. GARVAN KEATING CHIEF EXECUTIVE OFFICER

64, St Anne Court, Flat 2, Bisazza Street, Sliema SLM 1642 - Malta T: (+356) 2034 2034 • E: puglisevich@countryprofiler.com • W: www.countryprofiler.com Contact: Melissa Puglisevich - Office Manager

BANK OF VALLETTA

YOUR TRUSTED PARTNER IN MALTA As a leading financial services provider in Malta, we offer services that go beyond the customary banking experience. We aspire to exceed customer expectations by offering a trusted, truly genuine and caring service, adding value every time we connect. More information is available on www.bov.com or by contacting us on 2131 2020. Issued by Bank of Valletta p.l.c., 58, Triq San Ĺťakkarija, Il-Belt Valletta VLT 1130 Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking in terms of the Banking Act (Cap. 371 of the Laws of Malta).

A QUICK GUIDE TO FINANCE IN MALTA

CORPORATE SERVICES

CSA GROUP CSA Group has grown from a family oriented accounting practice into one of the leading financial service providers here in Malta. With over 25 years of expertise in the financial services industry, CSA Group operates from Malta providing tailor-made solutions for clients across the globe. Our portfolio of clients includes high-net-worth individuals, companies, businessmen, firms and international players. CSA Group works hand in hand with a selected network of international partners, aiming high at exceeding clients’ expectations through our exceptional clients’ services approach. The Group consists of: Charles Scerri & Associates, CS Fintech Services Ltd, Scerri & Concise Ltd, Quorum Corporate Services Ltd and Bastille Malta Trustees Ltd. CHARLES SCERRI MANAGING PARTNER

CORPORATE SERVICES

The Penthouse, Carolina Court, Giuseppe Cali Street, Ta’ Xbiex - Malta T: (+356) 2137 4747 • E: info@csagroup.mt • W: www.csagroup.mt Contact: Chris Borg - Partner

CSB GROUP CSB Group is an established and leading corporate services provider backed by over 30 years of experience in the business and commercial sphere. Our highly experienced and trusted team of professionals are specialised in providing comprehensive and personalised services to clients wishing to setup or relocate their business to Malta. CSB’s areas of specialisation include: Corporate; Trust; Tax; Accounting & Payroll; Investment Immigration; Fintech; Recruitment; Relocation and Property Sales & Letting. Ancillary services include: Incorporation & Domiciliation of companies; Fiduciary & Escrow Services; Compliance & Regulatory Consultancy; Licensing of iGaming and Financial Services, VFA Services; Hedge Fund Registration; Ship, Yacht & Aircraft Registration; HR Consultancy; Residence & Work Permits; and Serviced Office Space.

ROGER A. STRICKLAND JR DIRECTOR

COURIER & POSTAL

The Penthouse, Tower Business Centre, Tower Street, Swatar BKR4013 - Malta T: (+356) 2557 2557 • E: info@csbgroup.com • W: csbgroup.com Contact: Roger A. Strickland Jr - Director

DHL DHL is the global market leader in the industry and “The Logistics Company for the World”. Our popular International Express door-to-door delivery service is available when you’re sending document or non-document shipments anywhere around the world. DHL Express remains a pioneer, constantly providing new solutions for its customers, solutions that make it the market leader. While maintaining the largest market share, DHL sets very high levels of service and always seeks to serve the customer in the best possible way. Having a constant presence in the Maltese market since 1983, DHL has acquired a deep knowledge of critical shipments as well as unparalleled experience in the specialised handling of express deliveries for each industry sector. CHARLES SCHIAVONE COUNTRY MANAGER

MIA Cargo Village, Luqa, LQA 3290 - Malta T: (+356) 2180 0148 • E: Charles.schiavone@dhl.com • W: www.dhl.com Contact: Charles Schiavone - Country Manager

A QUICK GUIDE TO FINANCE IN MALTA

LEGAL SERVICES

DINGLI & DINGLI LAW FIRM Established in 1982, Dingli & Dingli Law Firm has acquired a solid reputation for efficiency and effectiveness leading to results. This is achieved through the deployment of a strong team effort when handling assignments, harnessing the power of partnership to the full. Although the Firm handles all types of legal work, it is especially active in the fields of maritime law (including ship and mortgage registration), ship finance, admiralty, company law (including company incorporation and management), international tax planning, financial services, aviation law, intellectual property law, employment law, real estate, citizenship and residency. Complementary services are rendered by DG Fiduciary Limited, authorised to provide trustee and fiduciary services; as well as by Q Global Accounting Ltd providing accounting services.

DR KEVIN F DINGLI MANAGING DIRECTOR

CORPORATE SERVICES

18/2, South Street, Valletta VLT1102 - Malta T: (+356) 2123 6206 • E: info@dingli.com.mt • W: www.dingli.com.mt Contact: Dr Kevin F. Dingli – Managing Director

E-MANAGEMENT LIMITED e-Management, a dedicated business division of HBM Group is a leading specialised turnkey provider of Business Support & Corporate Services to the Online Gaming Industry. We focus on establishing and managing internationally engaged iGaming companies based out of Curaçao and Malta. With almost two decades of experience in assisting major software providers and operators with their corporate and licensing requirements in both Curacao and Malta, we were amongst the first Corporate Services Providers in 1997 to enter the Online Gaming Industry. e-Management offers innovative services by assisting all iGaming (related) businesses to efficiently and effectively structure their enterprise in an ever changing and challenging business environment without borders. e-Management, via HBM Group, provides its Business Support & Corporate Services in 13 jurisdictions worldwide.

SARAH BORG DIRECTOR

OFFICE EQUIPMENT SERVICES

Floor 5, Dragonara Business Centre, Dragonara, St. Julians SJT3141 - Malta T: (+356) 2132 3626 • E: sarah.borg@emanagement-group.com • W: www.emanagement-group.com Contact: Sarah Borg – Director

EWORLD LIMITED Eworld is an IT infrastructure and cloud systems integrator. It is a Microsoft Tier 1 Cloud Service Provider offering Azure and Office365 solutions, a Hewlett Packard Enterprise Gold Partner offering server, storage, network and back-up IT infrastructure solutions, as well as security solutions from F5, Palo Alto and Sophos. Eworld has implemented solutions and supports customers in a wide range of sectors, with a particular focus on the finance and banking, insurance and iGaming sectors, besides the public sector, and manufacturing and pharmaceutical sectors. We host a full-spec IT laboratory in order to host any proof-of-concept requirements and welcome all enquiries. ING RAPHAEL MICALLEF TRIGONA MANAGING DIRECTOR

Centenary House, 172, Canon Road, St.Venera, SVR 9034 - Malta T: (+356) 7942 0696 • E: info@eworld.com.mt • W: www.eworld.com.mt Contact: Ing Raphael Micallef Trigona - Managing Director

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Advisory | Tax | Audit |

www.nexiabt.com

Nexia BT is a member firm of the “Nexia International” network. Nexia International Limited does not deliver services in its own name or otherwise. Nexia International Limited and the member firms of the Nexia International network (including those members which trade under a name which includes the word NEXIA) are not part of a worldwide partnership.

www.nexiabt.com Advisory | Tax | Audit | www.nexiabt.com | Residency Citizenship www.nexiabt.com Advisory | |Tax Advisory | Audit Tax || Audit | www.nexiabt.com Advisory Tax| |Audit | Nexia BT is a member firm of the “Nexia International” network. Nexia International Limited does not deliver services in its own name or otherwise. Nexia International Limited and the member firms of the Nexia International network (including those members which Nexiafirm BT isof a member firm of the “Nexianetwork. International” Nexia International doesservices not deliver services in its own name Nexia BT is a member the “Nexia International” Nexianetwork. International Limited doesLimited not deliver in its own name trade which includes word International” NEXIA) are not part of a worldwide partnership. Limited does not deliver services in its own name Nexiaunder BT isaaname member firm of thethe “Nexia network. Nexia International or otherwise. Nexia International andfirms the member firmsInternational of the Nexia International networkthose (including thosewhich members which or otherwise. Nexia International Limited and theLimited member of the Nexia network (including members or otherwise. Nexia International Limited and the theword member firms of the International network (including those members which trade under a namethe which includes not partNexia ofpartnership. a worldwide partnership. trade under a name which includes word NEXIA) are notNEXIA) part ofare a worldwide

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A QUICK GUIDE TO FINANCE IN MALTA

LEGAL SERVICES

FENECH & FENECH ADVOCATES Established in 1891, Fenech & Fenech Advocates is a leading law firm in Malta, with a strong commercial, corporate, tax, maritime, ship registration, M&A and financial services practice, and is a recognised pioneer in maritime, iGaming and TMT law. The firm’s largely international clientele is serviced by a team of over 100 people. The firm has advised blue-chip clients in various landmark transactions in Malta and overseas and remains at the forefront of legal developments. Our team’s legal insight and business instinct provide clients with value-driven solutions. It is Malta’s leading maritime law firm, and the varied tax and aviation practices are also a mainstay of the firm’s international work. DR ANN FENECH MANAGING PARTNER

LEGAL SERVICES

198, Old Bakery Street, Valletta VLT 1455 - Malta Tel: (+356) 2124 1232 • E: info@fenechlaw.com • W: www.fenechlaw.com Contact: Dr Ann Fenech - Managing Partner

FENECH FARRUGIA FIOTT LEGAL Fenech Farrugia Fiott Legal is a full-service legal firm offering a comprehensive range of specialised services with a particular emphasis on cross-border commercial and corporate law. Backed by a highly experienced team of leading experts in their field, FFF Legal provides a seamlessly integrated portfolio of legal services tailored to meet the most complex requirements in a versatile and dynamic manner. The firm acts on behalf of a number of local and international clients, including credit and financial institutions, investment companies, iGaming companies and other trading and holding entities. The firm’s core focus areas are corporate and commercial law, financial services law and practice, maritime and aviation law, trusts and foundations, estate planning and private clients work.

DR CHRISTIAN FARRUGIA MANAGING PARTNER

CORPORATE SERVICES

Ewropa Business Centre, Level 3 – Suite 702, Dun Karm Street, Birkirkara BKR 9034 - Malta T: (+356) 2549 6400 • E: info@fff-legal.com • W: www.fff-legal.com Contact: Dr Christian Farrugia – Managing Partner

FENLEX GROUP As a leading management and corporate services provider, the Fenlex group caters to a large international client base. Fenlex provides a wide range of services including company incorporation and maintenance, tax and VAT compliance, accountancy, payroll, bank account administration, directorship services, trusts & foundations, recruitment as well as operational assistance. The group has been active in servicing the international business sector since the 1980s, and its clients are serviced by a multi-disciplinary team organised into the Corporate Services, Accounts, Tax Compliance, Banking and Operations departments. Fenlex is closely associated with Fenech & Fenech Advocates, a leading law firm. KARL DIACONO CHIEF EXECUTIVE OFFICER

85, St. John Street, Valletta VLT 1165 - Malta Tel: (+356) 2124 1817 • E: info@fenlex.com • W: www.fenlex.com Contact: Karl Diacono - Chief Executive Officer

BOV Fund Services your one-stop fund services shop in Malta

BOV Fund Services Limited, Maltaâ&#x20AC;&#x2122;s top fund administrator, provides highly competitive, cost-efficient turnkey fund set-up solutions. Other services provided to fund managers and fund promoters cover a comprehensive range of fund administration services including fund accounting, shareholder registry services, regulatory reporting and corporate services amongst others. Other ancillary services include a full package of back office services that enable our clients to comply with international regulations as well as best market practices.

BOV FUND SERVICES +356 2122 7148 www.bovfundservices.com infobovfs@bov.com BOV Fund Services Limited is recognised to provide fund administration services and licensed to provide company services by the Malta Financial Services Authority.

BOV

FUND SERVICES

A QUICK GUIDE TO FINANCE IN MALTA

PROMOTIONAL AGENCY

FINANCEMALTA FinanceMalta, a non-profit public-private initiative, was set up to promote Malta as an international Business & Financial Centre, both within, as well as outside Malta. It brings together, and harnesses, the resources of the industry and government, to ensure Malta maintains a modern and effective legal, regulatory and fiscal framework in which the financial services sector can continue to grow and prosper. The Board of Governors, together with the founding associations, its corporate and affiliate members and staff are committed to promoting Malta as a centre of excellence in financial services and international business. IVAN GRECH HEAD OF BUSINESS DEVELOPMENT

CORPORATE SERVICES

Garrison Chapel, Castille Place, Valletta VLT1063 - Malta T: (+356) 2122 4525 • E: ivan.grech@financemalta.org • W: www.financemalta.org Contact: Ivan Grech - Head of Business Development

FINANZ-AUDIT LIMITED Finanz-Audit Limited provides audit, tax and advisory services to a broad range of businesses. Our client portfolio spans from the sole entrepreneur to large multinational corporations, each operating in various industries. Finanz-Audit Limited is committed to providing quality services with professional objectivity while preserving the trust of clients by offering them personalised attention. The foundation of our success lies in the expertise of our ‘high-calibre’ specialists. Their skills, knowledge, professionalism and energy enable us to provide prompt, efficient and high-quality services.

COSMAS COSMA DIRECTOR

CORPORATE SERVICES

Level 1, Somnium, Tower Road, Swatar BKR4012 - Malta T: (+356) 2010 8080 • E:info@finanz-audit.com • W: www.finanz-audit.com Contact: Cosmas Cosma - Director

FRANCIS J. VASSALLO & ASSOCIATES LTD Our reward is in providing tailored solutions in the most efficient and ethical manner whilst nurturing lasting relationships for mutual growth and success. Francis J. Vassallo & Associates Group (FJVA) was established in 1998 by Francis J. Vassallo, a former Governor of the Central Bank of Malta, together with his daughter, Adriana Camilleri Vassallo. FJVA comprises a team of over 70 highly experienced professionals, among which are internationally qualified tax advisors, corporate lawyers and accountants. FJVA provides a wide range of tax and advisory services, including trustee, corporate, compliance, book-keeping services, to multinational companies, family offices and private clients. ADRIANA CAMILLERI VASSALLO MANAGING PARTNER

FJVA Business Centre, Industry Street, Qormi QRM 3000 - Malta T: (+356) 2299 3100 • E: info@fjvassallo.com • W: www.fjvassallo.com Contact: Adriana Camilleri Vassallo - Managing Partner

A QUICK GUIDE TO FINANCE IN MALTA

LEGAL SERVICES

GANADO ADVOCATES GANADO Advocates is a leading commercial law firm with a particular focus on the corporate, financial services and maritime/aviation sectors, predominantly servicing international clients doing business through Malta. The firm also promotes other areas such as tax, pensions, intellectual property, employment and litigation. The firm traces its roots back to the early 1900s, and is today one of Malta’s foremost law practices, consistently ranking as a leading firm in all its core sectors. GANADO Advocates has over the past decades contributed directly towards creating and enhancing Malta’s hard-won reputation as a reliable and effective international centre for financial and maritime services. Today, the firm continues to provide high standards of legal advisory services to support and enhance Malta’s offering.

DR LOUIS CASSAR PULLICINO MANAGING PARTNER

INSURANCE SERVICES

171, Old Bakery Street, Valletta VLT 1455 - Malta T: (+356) 2123 5406 • E: lawfirm@ganadoadvocates.com • W: www.ganadoadvocates.com Contact: Dr Louis Cassar Pullicino - Managing Partner

GASANMAMO INSURANCE LTD GasanMamo Insurance is one of Malta’s leading insurance companies. Its earliest activity in insurance dates to 1947, when compulsory motor insurance was introduced to MALTA; evolving beyond recognition, with two major milestones shaping it into what it is today. In 1999, two distinct agency operations merged, forming GasanMamo Insurance Agency Ltd representing AVIVA. In 2003, GasanMamo insurance converted into an insurance Company licensed by the MFSA. The company claims an excellent track record, being a benchmark insurer locally and operating in Cyprus, Greece and France. This has been achieved by friendly professional staff, who keep our clients at the core. We efficiently deliver good value quality insurance products. JULIAN J MAMO MANAGING DIRECTOR

ACCOUNTING & AUDITING

Head Office, Msida Road, Gżira GZR 1405 - Malta T: (+356) 2349 0501 • E: jmamo@gasanmamo.com • W: www.gasanmamo.com Contact: Julian J Mamo - Managing Director

GRANT THORNTON As a member firm of Grant Thornton International, we offer clients a flexible, responsive service with the breadth and depth of skills to appeal to a variety of markets and with the experience, knowledge and expertise to undertake specialised, sector-specific work. Our clients can access the knowledge and experience of more than 50,000 people in over 135 countries and consistently receive a distinctive, high quality and boutique service wherever they choose to do business. With over 40 years of industry experience, we focus on providing a full range of services including assurance, tax, advisory, specialist financial services and capital markets support (including digital and crypto assets), corporate, trustee and outsourcing services to clients ranging from public companies, multi-nationals, and government agencies to entrepreneurial businesses across a broad spectrum of industries.

Fort Business Centre, Mriehel Bypass, Birkirkara BKR3000 - Malta T; (+356) 2093 1000 • E: grantthornton@mt.gt.com.mt • W: www.grantthornton.com.mt Contact: Wayne Pisani - Partner, Tax and Advisory

MARK BUGEJA MANAGING PARTNER

A QUICK GUIDE TO FINANCE IN MALTA

ACCOUNTING & AUDITING

GRIFFITHS + ASSOCIATES LTD Established in 1982 and located in Naxxar, our firm of Certified Public Accountants offers a one-stop shop assisting businesses in carrying out activities in, from or through Malta. The firm’s activities include company incorporations, back-office services and international corporate structuring, especially within the context of Malta’s extensive tax treaty network and advantageous tax regime. Being members of PrimeGlobal, an international association of accountants and advisers, adds value to the servicing of clients’ needs within an international perspective.

PETER GRIFFITHS MANAGING & TAX DIRECTOR

LEGAL SERVICES

Level 1, Casal Naxaro, Labour Avenue, Naxxar NXR 9021 - Malta T: (+356) 2738 3631 • E: peter@griffithsassoc.com • W: www.griffithsassoc.com Contact: Peter Griffiths – Managing & Tax Director

GVZH ADVOCATES GVZH Advocates is a modern and sophisticated legal practice composed of top-tier professionals, firmly rooted in decades of experience in the Maltese legal landscape. Built on the values of acumen, integrity and clarity, the firm is dedicated to providing the highest levels of customer satisfaction, making sure that legal solutions are not only soundly rooted and rigorously tested, but also meticulously implemented. The firm is regularly involved in cross-border transactions, providing timely and quality advice in a down-to-earth manner.

DR ANDREW J ZAMMIT MANAGING PARTNER

TRUST SERVICES

192, Old Bakery Street, Valletta VLT 1455 - Malta T: (+356) 2122 8888 • E: Info@gvzh.com.mt • W: www.gvzh.com.mt Contact: Dr Andrew J. Zammit - Managing Partner

GVZH TRUSTEES LTD GVZH Trustees Limited is an independent trust company that is fully owned and controlled by GVZH Advocates and licensed by the Malta Financial Services Authority since 1998. The company is regulated in terms of the Trusts and Trustees Act to provide bespoke trustee and fiduciary services and a wide spectrum of company registration and secretarial services, accounting and tax compliance services.

JOSEF CARDONA GENERAL MANAGER

52, St Christopher Street, Valletta VLT 1462 - Malta T: (+356) 2122 8888 • E: trusts@gvzh.com.mt • W: www.gvzh.com.mt /about-us/trustees Contact: Josef Cardona- General Manager

CORPORATE SERVICES

Business Directory

HBM MALTA LIMITED HBM Group (est. 1991) is the leading independent financial services provider. We assist in the formation and management of international companies for businesses and individuals, ensuring compliance with international legislation. Our team of professionals, with over a decade of experience, offers premier and personalised service to each client. We understand each client is unique. By building on our tradition of excellence, and protecting the integrity and reputation of our clients, we are committed to providing our clients with all the necessary services for economic success. HBM Group can guarantee the highest standard of business ethics, the utmost confidentiality, and state-of-the-art technology. SARAH BORG DIRECTOR

TRUST SERVICES

Floor 5, Dragonara Business Centre, Dragonara, St. Julians SJT3141 - Malta T: (+356) 2132 3626 • E: sarah.borg@hbmgroup.com • W: www.hbmgroup.com Contact: Sarah Borg – Director

HBM TRUSTEES LIMITED HBM Trustees is a dedicated business division of HBM Group (est. 1991), with offices in reputable Trust jurisdictions worldwide. We are a leading dedicated niche provider of Business Support & Corporate Services to HNW Individuals and Business Owners of successful closely held companies. As a professional, client-oriented service provider of fiduciary services, we focus on establishing, managing and administering Trusts and Private Foundations based out of Anguilla, Bahamas, Barbados, British Virgin Islands, Curaçao, Malta, Nevis, Panama, and St. Maarten. With more than two and a half decades of experience in assisting HNW Individuals and Business Owners with their wealth management and corporate structuring worldwide, HBM Trustees is your International Entrusted Solutions partner in business in today’s ever challenging and changing regulatory environment.

SARAH BORG DIRECTOR

INVESTMENT MIGRATION

Floor 5, Dragonara Business Centre, Dragonara, St. Julians SJT3141 - Malta T: (+356) 2132 3626 • E: sarah.borg@hbmgroup.com • W: www.hbmgroup.com Contact: Sarah Borg – Director

HENLEY & PARTNERS MALTA Henley & Partners is the global leader in residence and citizenship planning. Each year, hundreds of wealthy individuals, families and their advisers rely on our expertise and experience in this area. Our highly qualified professionals work together as one team in over 30 offices worldwide. The concept of residence and citizenship planning was created by Henley & Partners in the 1990s. As globalisation has expanded, residence and citizenship have become topics of significant interest among the increasing number of internationally mobile entrepreneurs and investors whom we proudly serve every day. The firm also runs a leading government advisory practice which has raised more than USD 8 billion in foreign direct investment. We have been involved in strategic consulting and the design, set-up and operation of the world’s most successful residence and citizenship programmes.

STUART MACFEETERS MANAGING PARTNER

Aragon House, Dragonara Road, St. Julians - Malta T: (+356) 2138 4000 • E: Stuart.Macfeeters@henleyglobal.com • W: www.henleyglobal.com Contact: Stuart MacFeeters – Managing Partner

A QUICK GUIDE TO FINANCE IN MALTA

BANKING SERVICES

HSBC BANK MALTA P.L.C. - COMMERCIAL BANKING HSBC Commercial Banking is a leading provider of business financial services. A purpose-built Business Banking Centre in Qormi brings together under one roof a strong team of specialised Relationship Managers and business specialists, all trained to service businesses, thus making it a service centre of excellence. A wide range of specifically designed solutions are available to meet the diverse needs of the business community, including Loans & Overdrafts, Trade and Receivables Finance, Global Liquidity and Cash Management, Foreign Exchange as well as Internet Banking to meet the needs of business customers. We are an international bank with local expertise supporting all business segments in Malta. MICHEL CORDINA EXECUTIVE DIRECTOR

BANKING SERVICES

Business Banking Centre, Mill Street, Qormi QRM3101 - Malta T: (+356) 2380 4832 • E: michelcordina@hsbc.com • W: www.hsbc.com.mt Contact: Michel Cordina - Executive Director

IIG BANK (MALTA) LTD IIG Bank (Malta) Ltd is a specialist trade finance bank focused on international commodity trade and does this through a comprehensive range of services that are tailored to meet the needs of its international trading customers spread over Latin America, Europe, the Middle East, Africa and Asia. IIG Bank (Malta) Ltd is dynamic and innovative in providing structured solutions for trading companies, distributors, manufacturers and exporters, especially those trading in emerging markets. The Bank’s approach to business is characterised by its desire to build long-lasting relationships and by being close to the customer to promote a better understanding of the complexities inherent in international trade flows. RAYMOND BUSUTTIL MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER

INVESTMENT SERVICES

Level 20, Portomaso Business Tower, St. Julians STJ 4011 - Malta T: (+356) 2248 4510 • E: raymond.busuttil@iigbank-malta.com • W: www.iigbank-malta.com Contact: Raymond Busuttil - Managing Director & Chief Executive Officer

INTEGRA PRIVATE WEALTH LTD Integra Private Wealth is a privately-owned financial services company set up in 2009. Integra is authorised by the MFSA as an Investment Services Firm (Category 2 licence), a Listing Agent to the Wholesale Securities Market and as a Financial Institution enabling it to conduct Money Remittance Services. Through its robust structure the firm can provide unparalleled private wealth management services to its exclusive client base of highnet-worth individuals, family offices and institutions. Complete investment solutions can be provided to our clients as a result of Integra’s mature and extensive network of professionals, banks and financial counter-parties as well as the in-depth knowledge of the financial markets and how they relate to each client’s needs. ALISTAIR MUSCAT CHIEF EXECUTIVE OFFICER

228, Tower Road, Sliema SLM 1601 - Malta T: (+356) 2133 8831 • E: info@integra-pw.com • W: www.integra-pw.com Contact: Alistair Muscat – Chief Executive Officer

I had a business claim. Itâ&#x20AC;&#x2122;s all sorted by

GasanMamo has a 96% satisfaction rating.

GASANMAMO INSURANCE IS AUTHORISED BY THE MFSA | GASANMAMO.COM SOURCE: INTERNAL DATA (2018)

A QUICK GUIDE TO FINANCE IN MALTA

CORPORATE SERVICES

INTEGRITAS GROUP The Integritas Group is a multidisciplinary firm providing corporate services such as company formation, company maintenance, corporate structures, mergers and acquisitions, redomiciliation, residence, citizenship, shipping and trust services to its clients. Integritas Corporate-Services Ltd is authorised to submit citizenship and residence applications on behalf of applicants to the Maltese authorities, through its Approved Agents, Mr Frederic Villa and Dr Alexia Muscat. Integritas Trustees Ltd is authorised by the Malta Financial Services Authority to provide trustee and fiduciary services. The Integritas Group was founded and is headed by Frederic Villa, a Swiss and Italian national. Frederic Villa speaks Italian, French, English, German and understands Spanish.

FRÉDÉRIC VILLA MANAGING DIRECTOR

REAL ESTATE

114/3, The Strand, Gzira GZR 1027 - Malta T: (+356) 2385 0611 • E: info@integritas-trustees.com • W: www.integritas-trustees.com Contact: Frédéric Villa - Managing Director

MALTA SOTHEBY’S INTERNATIONAL REALTY Malta Sotheby’s International Realty was launched in 2013. Our distinct offering extends itself to both local and international clients seeking real estate investment opportunities, those seeking to relocate to Malta, and property owners looking to list and promote their property to qualified buyers. With more than 22,700 sales associates located in 72 countries worldwide, our global network is a commanding presence in the representation of the world’s most remarkable properties. Our team of specialised property experts offer a professional and personalised service – artfully uniting extraordinary properties with extraordinary lives. Services include: Residential Sales & Letting, Commercial Sales & Letting, Property Management and Relocation & Residency. MICHAEL J. ZAMMIT DIRECTOR AND JOINT OWNER

EXCHANGES & MARKETS

200, Tower Road Sliema SLM 1602 - Malta T: (+356) 2010 8070 • E: info@sir.com.mt • W: www.maltasothebysrealty.com Contact: Michael J. Zammit - Director and Joint Owner

MALTA STOCK EXCHANGE The Malta Stock Exchange provides a structure for admission of financial instruments to its recognised lists which may subsequently be traded on a regulated, transparent and orderly secondary market place. It also offers a comprehensive range of back–office services including maintenance of share and bond registers, clearing and settlement and custody services through its in-house Central Securities Depository. Access to the market may be achieved through admission to listing on the Regulated Main Market, or the Institutional Financial Securities Market (IFSM), both of which are regulated by the MFSA and enjoy full passportability within the EU, or through admission to the SMEoriented Prospects MTF, that is regulated by the Malta Stock Exchange. JOSEPH PORTELLI EXECUTIVE CHAIRMAN

Garrison Chapel, Castille Place, Valletta VLT 1063 - Malta T: (+356) 2124 4051 • E: sgalea@borzamalta.com.mt • W: www.borzamalta.com.mt Contact: Stephanie Galea – Head Business Development and Marketing

From Malta to Africa Supporting leading entrepreneurs and SMEs in Africa with a vision for economic growth and positive impact.

16,000

5,000

Direct jobs supported

New jobs created1

1Since

100% Of portfolio companies produce audited ďŹ nancial statements

2008.

ABIDJAN | ALGIERS | BARCELONA | CAIRO CASABLANCA | VALLETTA

A QUICK GUIDE TO FINANCE IN MALTA

INSURANCE MANAGEMENT

MARSH MANAGEMENT SERVICES MALTA LIMITED The company is active in the business of incorporating, managing, advising and servicing of captives, protected and cell facilities, special purpose vehicles and specialist insurance and reinsurance companies. As the world’s largest captive manager, organisations come to Marsh for a one-stop-shop approach to innovative captive solutions, including advice, implementation, management, and actuarial services. With specialised expertise from global resources, Marsh creates comprehensive, tailored solutions for your business. It is licensed by the MFSA.

STEPHEN PORTELLI HEAD OF OFFICE

ACCOUNTING & AUDITING

The Hedge Business Centre, Level 3, Triq ir-Rampa ta’ San Giljan, Balluta Bay, St Julians, STJ1062 - Malta T: (+356) 2342 3000 • E: stephen.portelli@marsh.com • W: www.mmc.com Contact: Stephen Portelli – Head of Office

MAZARS MALTA Mazars is one of Malta’s leading multi-disciplinary audit and advisory firms. We are committed to giving our clients an efficient and value-for-money service, underlined by a high level of commitment and quality. Owing to our size, we can offer a wide range of specialised services whilst retaining a personalised approach in terms of delivery. Our service portfolio includes company formation, accounting, auditing, payroll, VAT advisory and compliance, as well as corporate and personal tax planning. As an integrated member firm of Mazars Group, we are in a position to draw upon the experience and resources of Mazars worldwide. ANTHONY ATTARD MANAGING PARTNER

INVESTMENT SERVICES

32, Sovereign Building, Zaghfran Road, Attard ATD 9012 - Malta T: (+356) 2134 5760 • E: anthony.attard@mazars.com.mt • W: www.mazars.com.mt Contact: Anthony Attard - Managing Partner

MEDITERRANIA CAPITAL PARTNERS Mediterrania Capital Partners is a dedicated private equity firm which focuses on growth investments of SMEs and mid-cap companies in North Africa and Sub-Saharan countries. Operating through offices in Abidjan, Algiers, Barcelona, Cairo, Casablanca and Valletta, Mediterrania Capital Partners manages three investment funds and has a unique Value Creation model that is delivering superior returns to its investors. The company’s mission is to help portfolio companies build the right foundations for long-term development and sustainability while having a social and economic impact in the Africa region. Mediterrania Capital Partners is a regulated financial investment manager licensed by the Malta Financial Services Authority (MFSA) and the Financial Services Commission (FSC) in Mauritius.

ALBERT ALSINA CHIEF EXECUTIVE OFFICER AND MANAGING PARTNER

B2, Industry Street, Qormi QRM 3000 - Malta T: (+356) 9914 7237 • E: communications@mcapitalp.com • W: www.mcapitalp.com Contact: Montserrat Petit - Communications Manager

Group Life Insurance

It takes more than just a salary to retain talented employees We can provide you with the following: •

Tailor made life insurance cover for your employees

•

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Sum assured can be fixed or multiple of salary

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Floriana | 2557 9000 - Freephone | 800 72322

info@citadelplc.com

citadelplc.com

Citadel Insurance p.l.c. • Casa Borgo • 26 Market Street • Floriana FRN 1082 • Malta Branches: Ħaż-Żebbuġ 21464873 • Il-Gżira 21332151 • Il-Mosta 21438880 • In-Naxxar 21419198 • Iż-Żejtun 21807779 • Paola 21806247 San Ġwann 27330044 • Il-Mellieħa 21525232 • Victoria, Gozo 21566660 - Tied Insurance Intermediaries: Malta • Gozo Citadel Insurance p.l.c. is a company authorised under the Insurance Business Act, Cap 403, to carry on general and long term business of insurance and is regulated by the Malta Financial Services Authority.

A QUICK GUIDE TO FINANCE IN MALTA

HR & RECRUITMENT

MISCO MISCO is a knowledge-based independent consulting firm, working closely with its clients across all sectors of the economy, with the aim of creating and transforming business strategy into reality. MISCO achieves this by assisting you to maximise your engagement with clients and employees. We support you in developing your business, organise your resources and motivate and develop your employees through a range of services that include business advisory, recruitment and selection, training, marketing and opinion research, business tools, outsourcing and consultancy.

JOANNE BONDIN DIRECTOR

BANKING SERVICES

Fino Buildings, 1st Floor, Notabile Road, Mrieħel BKR 3000 - Malta T: (+356) 2205 4000 • E: jbondin@miscomalta.com • W: www.miscomalta.com Contact: Joanne Bondin - Director

NBG BANK MALTA LIMITED NBG Bank Malta Limited (formerly Finansbank Malta Ltd) was established in 2005 and is a wholly-owned subsidiary of NBG Group. The Group is the oldest and largest bank in Greece and is present in a number of jurisdictions namely Greece, Cyprus, Bulgaria, FYROM, UK, Australia, Egypt, Malta and Romania. NBG Malta is designed to be a one-stop-shop for banking services for high-net-worth individuals and corporations worldwide. Furthermore, the bank also specialises in the provision of risk management and treasury products/solutions for its clients (Ex. Foreign Exchange and Derivative products). GERASIMOS MAVROKEFALOS CHIEF EXECUTIVE OFFICER

CORPORATE SERVICES

Preluna Towers, 1st Floor, 124 Tower Road, Sliema SLM 1605 - Malta T: (+356) 2131 8969 • E: info@nbg.com.mt • W: www.nbg.com.mt Contact: Gerasimos Mavrokefalos - Chief Executive Officer

NEWCO CORPORATE SERVICES LTD NEWCO is an independent corporate services provider with three decades of experience in implementing foreign investments into selected countries. Its wide experience and know-how allow it to successfully support major multinational companies as well as smaller companies and start-ups, mainly from EU and Latin-American countries. NEWCO’s team of experts provide all the professional services involved in the setting up and management of companies and assistance to high-net worth individuals in Malta.

FREDERICO GOUVEIA E SILVA MANAGING PARTNER

89, St. John Street, Valletta VLT 1165 - Malta T: (+356) 2122 3120 • E: info@newco.pro • W: www.newco.pro Contact: Frederico Gouveia e Silva - Managing Partner

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ACCOUNTING & AUDITING

NEXIA BT Nexia BT is a leading full-service audit, tax and advisory firm providing a comprehensive range of corporate and private client advisory suite of services to a predominantly international client base. As members of Nexia International present in over 120 countries, we provide a more responsive, more personal and partner-led service across the world. We are a licensed company service provider having a multilingual team with vast experience in assisting businesses seeking to establish in Malta. Boasting a dedicated immigration team, besides being an accredited agent with the Malta Individual Investor Programme Agency, we are also the Official Government Concessionaire for the Malta Residence and Visa Programme within the Middle East. KARL CINI PARTNER – TAX AND INTERNATIONAL CLIENT SERVICES

PAYMENT SERVICES

The Penthouse, Suite 2, Capital Business Centre, Entrance C, Triq taz-Zwejt, San Gwann SGN3000 - Malta T: (+356) 2163 7778 • E: info@nexiabt.com • W: www.nexiabt.com Contact: Karl Cini – Partner, Tax and International Client Services

PAYMIX LTD Paymix Ltd is a licensed and regulated Financial Institution, authorised by the Malta Financial Services Authority as a payment service provider and as an electronic money institution. Paymix Ltd is also a principal member of Mastercard. Our company provides e-wallet account services to its clients through our own proprietary e-wallet application, whereby customers can recieve/send funds. With the main focus on corporate accounts, Paymix Ltd, a fintech company, is offering simple and efficient financial solutions to all businesses.

CENK KAHRAMAN CHIEF EXECUTIVE OFFICER & EXECUTIVE DIRECTOR

CUSTODY & DEPOSITORY SERVICES

The Penthouse, JPR Buildings, Triq Taz-Zwejt, San Gwann SGN 3000 - Malta T: (+356) 2247 0000 • E: projects@paymix.eu • W: www.paymix.eu Contact: Mina Mitkova - Co-Branding Department Manager

REYL & CIE (MALTA) LTD REYL & Cie (Malta) Ltd is a cat.4A MFSA licensed entity dedicated to offering Fund Depositary services and Fund Custody activities. It is a 100%-owned subsidiary of REYL & Cie Ltd, an independent banking group with offices worldwide. Developing an innovative approach to banking, the Group serves international entrepreneurs and institutional investors through its Wealth Management, Entrepreneur & Family Office Services, Corporate Advisory & Structuring, Asset Services and Asset Management business lines. Founded in 1973, REYL & Cie Ltd is licensed as a bank in Switzerland and performs its activities under the direct control of the FINMA and the SNB. The Group manages assets in excess of CHF 16 billion and employs more than 200 people. NATACHA EBENER CHIEF OPERATIONS OFFICER

Swiss Urban Factory, 5 St Frederick Street, Valletta VLT 1470 - Malta T: (+356) 2248 2951 • E: nebener@reyl.com • W: www.reyl.com Contact: Natacha Ebener - Chief Operations Officer

RISK & COMPLIANCE

Business Directory

RISKCAP INTERNATIONAL LTD RiskCap International Ltd was established in 2013 to provide customised and outsourced risk management, regulatory compliance and governance solutions to the financial services industry. We are located in Malta, London and Miami. Our team consists of individuals with diverse backgrounds in compliance, finance, accounting, mathematics and risk management. Our clients are of all sizes and come from all segments (including funds and fund managers, EMIs and PIs, insurance firms, investment firms and banks) of the financial services industry and are supervised by regulators around the world. DR PAUL MAGRO FOUNDER & MANAGING DIRECTOR

LEGAL SERVICES

Airways House, 6th Floor, Gaiety Lane, Sliema, SLM1549 - Malta T: (+356) 2733 3179 • E: mt.enquiries@riskcap.com • W: www.riskcap.com Contact: Dr Paul Magro - Founder & Managing Director

SALIBA STAFRACE LEGAL Saliba Stafrace Legal is a law firm operating from Valletta. The firm was founded in 2013 under the name ‘Ian Stafrace Legal’ by Ian Stafrace. In a strategic move to grow its service portfolio and continue to offer its clients effective solutions, Ian Stafrace has in 2015 partnered with Joseph Saliba. Saliba Stafrace Legal has recorded a steady growth during its relatively short existence and is committed to giving a service of excellence in all its main practice areas, including corporate law, securities law and capital markets, banking and finance, investment funds, investment services, environmental law. Development and planning law, general commercial law and litigation. The firm has consistently advised corporate clients, individual clients and government institutions. DR JOSEPH SALIBA PARTNER

BANKING SERVICES

9/4 Brittania House Old Bakery Street Valletta VLT 1450 - Malta T: (+356) 2123 9556 • E: info@salibastafrace.com • W: www.salibastafrace.com Contact: Joanna Busuttil - Office Administrator

SPARKASSE BANK MALTA PLC Sparkasse Bank Malta plc is a public limited liability company established in Malta in 2000. Born in Austria and present in Malta and Ireland, Sparkasse has been supporting Fund Managers and Administrators for well over 10 years. The Bank is currently servicing 40% of the local market with more than €3.3 billion in assets under custody. The Bank’s core suite of services include Banking, Execution, Settlement, Custody and Depositary Services. The Bank is a direct participant in SEPA and member of SWIFT. It is the second largest Non-Core domestic bank and Custodian in Malta and licensed by the MFSA and the Central Bank of Ireland for the provision of depositary services to Irish Funds. PAUL MIFSUD MANAGING DIRECTOR

101 Townsquare, Ix-Xatt ta’ Qui-si-sana, Sliema SLM 3112 - Malta T: (+356) 2133 5705 • E: paul.mifsud@sparkasse-bank-malta.com • W: www.sparkasse-bank-malta.com Contact: Paul Mifsud - Managing Director

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PENSION MANAGEMENT

STM MALTA TRUST & COMPANY MANAGEMENT LTD STM Malta is part of STM Group Plc, a company listed on the Alternative Investment Market of the London Stock Exchange, with trading offices in the United Kingdom, Gibraltar, Malta, Jersey and Spain. STM Malta is registered as a retirement scheme administrator with the Malta Financial Services Authority (MFSA), providing such services to a growing international client base. STM Malta is one of the largest providers offering retirement schemes recognised as QROPS, EURBS and QNUPS.

DEBORAH SCHEMBRI MANAGING DIRECTOR

CORPORATE SERVICES

San Gwakkin Building, Level 1, Triq is-Salib tal-Imriehel, Mriehel BKR3000 - Malta T: (+356) 2133 3210 • E: info@stmmalta.com • W: http://info.stmgroupplc.com/malta/ Contact: Deborah Schembri - Managing Director

TRIDENT TRUST COMPANY (MALTA) LTD Founded in 1978, and present in Malta since 2011, Trident Trust is a leading independent corporate, fiduciary and fund administrator, employing over 900 staff across a global footprint that spans Africa, the Americas, Asia, the Caribbean, Europe and the Middle East. Financial institutions, professional advisors, asset managers, family offices and international businesses turn to us for the provision of independent corporate, trust and fund administration services, relying on our worldwide presence, local knowledge and our commitment to responsiveness, reliability, attention to detail and personal service. Our professional personnel are widely recognised for their ability to work cooperatively with advisers and their clients and to support them through their practical knowledge and extensive experience.

ALBERT CILIA MANAGING DIRECTOR

HR & RECRUITMENT

Orange Point Building, 2nd Floor, Dun Karm Street, Birkirkara By-Pass, Birkirkara BKR 9037 - Malta T: (+356) 2143 4525 • E: acilia@tridenttrust.com • W: www.tridenttrust.com Contact: Albert Cilia - Managing Director

VACANCYCENTRE VacancyCentre (operated by CSB Group) is a small yet remarkably effective recruitment business servicing the resources needed by organisations of all sizes across a wide range of industry sectors, namely Financial Services, Legal & Compliance, Gaming & IT, Administration, and Sales & Marketing. With grounded experience of 30 years in the recruitment sector, VacancyCentre knows exactly how to reach the best people to fill almost any position. We pride ourselves in delivering an unrivalled candidate experience to ensure we create an ethos that our clients feel confident will represent them in the best possible way. The foundation of our success is based on treating both candidates and clients as valued customers. We seek to establish trust and respect by providing an excellent recruitment service to our clients and being trusted career advisers to our candidates.

Suite 2, Ground Floor, Tower Business Centre, Tower Street, Swatar BKR4013 - Malta T: (+356) 2123 2224 • E: jobs@vacancycentre.com • W: www.vacancycentre.com Contact: John Dimech - General Manager

JOHN DIMECH GENERAL MANAGER

THE BRIDGE BETWEEN

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LEGAL SERVICES

Business Directory

WDM INTERNATIONAL WDM International is a full-service firm, presenting a multidisciplinary offering to its clients, ranging from legal and tax consultancy to audit and business advisory. WDM Lex Advisory, the firm’s legal services arm, is at the forefront in the following lines of expertise: international taxation; residence, citizenship planning and private client services; setting up of funds, fund managers, forex companies, credit and financial institutions and operations involved in blockchain and cryptocurrency; setting up of fintech and iGaming operations and aircraft and yacht registration. The firm is an Approved Agent for Malta’s Citizenship-by-Investment Programme and is also licensed to act as a trustee or co-trustee and as an administrator in the context of private foundations.

DR JONATHAN DE GIOVANNI PARTNER

CUSTODY & DEPOSITORY SERVICES

35, The Penthouse, Salvu Psaila Street, Birkirkara BKR 9072 - Malta T: (+356) 2123 2096 • E: jdegiovanni@wdm.com.mt • W: www.wdm.com.mt Contact: Dr Jonathan De Giovanni – Partner

ZARATTINI INTERNATIONAL LTD Zarattini International brings together innovation, alliance and proficiency to offer high value added custody services in Malta. We remain at the forefront of innovation while keeping in touch with our roots. We dare to push boundaries but never lose sight of our responsibilities. We combine the highest standards with the deepest dedication to our clients’ needs. Integrity, transparency and resourcefulness are the pillars of our organisation. Part of a Swiss financial group with activities in Switzerland, Luxembourg and Malta, we have built our strong reputation upon reliability, excellent professional competence and transparency. We have a long history of providing reliable local and global custody services to a variety of clients, including asset managers and private and institutional investors.

FRANCESCO SCOTTO CHIEF EXECUTIVE OFFICER

CORPORATE SERVICES

Europa Centre, 56 Saint Anne Street, Floriana FRN 9011 - Malta T: (+356) 2779 1100 • E: info@zarattini.com.mt • W: www.zarattini.com.mt Contact: Francesco Scotto – Chief Executive Officer

ZETA Zeta is a privately held independent group of companies offering targeted services which include, but are not limited to; Multi-Family Office; Advisory and Structuring; Fiduciary; Company Formation and Management; Corporate; Financial; Fund Formation and Management. Zeta is committed to exceeding client expectations and building a satisfying long-term relationship while retaining its primary focus; your business and family success.

DAVID ZAMMIT MANAGING DIRECTOR

56, Ground Floor, Europa Centre, St. Anne street, Floriana FRN 9011 - Malta T: (+356) 2011 9700 • E: info@zeta-financial.com • W: zeta-financial.com Contact: Michealle Oakes - Director

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