Two iconic paintings by Maltese master Giuseppe Briffa have been beautifully restored and reinstated at San Ġwann Parish Church, thanks to the support of the BOV Foundation.
The artworks, The Immaculate Conception within the context of the fall of humanity and The Annunciation of the Virgin by the Archangel Gabriel, were unveiled during a visit by Ernest Agius, Chief Operations Officer at Bank of Valletta, representing the BOV Foundation. He was joined by Charles Azzopardi, Head CSR at the Bank, together with PrevArti founder and lead conservator Pierre Bugeja and Parish Priest Fr Bertrand Vella.
The restoration project was entrusted to PrevArti, which carried out a thorough conservation process to address flaking paint, surface grime, yellowed varnish, and structural weaknesses. The treatment included paint layer consolidation, delicate cleaning, removal of overpainting, and fine retouching, all of which helped revive the rich detail and luminosity of Briffa’s original compositions.
“These paintings are more than devotional pieces—they are cultural treasures,” said Ernest Agius. “The BOV Foundation is proud to contribute to projects that safeguard Malta’s heritage and ensure these artistic works continue to inspire future generations.”
Pierre Bugeja remarked on the value of preserving Briffa’s legacy, noting that “These are historically and artistically significant works. Our aim was to respect the artist’s original vision while ensuring the paintings are structurally and visually sound for years to come.”
The project is part of a wider commitment by the BOV Foundation to invest in the cultural fabric of Malta, recognising that the conservation of sacred art not only preserves the nation’s artistic heritage but also reinforces a shared sense of identity and community. By supporting such initiatives through its dedicated Foundation, the Bank helps bridge the past with the present – ensuring that historical narratives, spiritual symbolism, and artistic mastery remain accessible and appreciated by all.
Fr Bertrand extended his appreciation to all those involved in the initiative, noting the renewed beauty and reverence the paintings now bring to the sacred space of the church of Our Lady of Lourdes in San Ġwann.
Bank of Valletta, through its Foundation and CSR programmes, remains committed to supporting the arts, culture, and the preservation of Malta’s historical and artistic legacy.
On 11 March 2025, the Council of the European Union formally adopted the VAT in the Digital Age (ViDA) package – a major reform set to modernise VAT rules across the EU. ViDA is structured around three key pillars:
E-invoicing and Digital Reporting Requirements (DRR);
Platform Economy;
Single VAT registration.
These reforms, adopted under Council Directive (EU) 2025/516, will be implemented in phases to allow for a manageable transition across the EU.
Purpose of ViDA reforms
The transformation of the digital economy has exposed the structural limits of the EU VAT framework. Traditional VAT systems were not designed to capture the speed, volume, and complexity of today’s digital transactions, nor to leverage the vast amounts of data these transactions generate. As a result, businesses face a growing disconnect between how they operate digitally and how they are expected to comply with outdated VAT reporting obligations. The VAT in the Digital Age (ViDA) initiative, introduced through Council Directive (EU) 2025/516, addresses this mismatch by reshaping the Union’s VAT rules to align with modern digital realities. It does so by targeting friction points such as fragmented reporting systems, platform economy gaps, and the inefficiencies arising from multiple VAT registrations across Member States.
A core driver behind these reforms is the need to combat systemic VAT fraud and reduce the staggering EUR 93 billion VAT gap, of which EUR 40–60 billion is linked to intra-Community fraud. ViDA introduces a Union-wide digital reporting requirement (DRR) based on structured electronic invoicing, enabling real-time transaction-level data sharing between Member States. This harmonised system enhances tax authority oversight and reduces compliance costs for cross-border businesses, while offering the deterrent effect of automated cross-matching capabilities. The reform not only responds to citizen demands for fairer tax practices but also strengthens the integrity of the internal market by standardising reporting expectations across the EU. For businesses, this is both a compliance obligation and an opportunity to automate and future-proof VAT processes.
Summary of Key Upcoming Changes
Pillar 1 – E-Invoicing and Digital Reporting Requirements (DRR)
From 1 July 2030, e-invoicing will become mandatory for cross-border B2B transactions within the EU.
Invoices must be issued within 10 days from the chargeable event and transmitted digitally in real time or near real time to the tax authorities, using the European Standard (EN 16931).
Member States must implement the new Digital Reporting Requirements from 1 July 2030. However, those with domestic real-time reporting systems in place or authorised before 1 January 2024 may defer implementation until 1 January 2035.These changes are aimed at enhancing VAT transparency and improving fraud detection, while also laying the groundwork for a digital and harmonised VAT system across the EU.
Pillar 2 – Platform Economy
From 1 July 2028, digital platforms facilitating short-term accommodation rentals (up to 30 consecutive nights) or passenger transport by road within the EU will be treated as deemed suppliers, meaning they will be regarded as having received and re-supplied such services themselves.
This rule applies only where the underlying supplier fails to provide a valid VAT identification number and does not declare that they will charge the VAT due.
SMEs and certain exceptions will apply, but due diligence and reporting requirements for platforms will intensify.
Additionally, the place of supply of facilitation services provided by platforms to non-taxable persons will, from 1 July 2028, be aligned with the place of the underlying transaction (Article 46a), avoiding mismatches in VAT treatment across Member States.
These measures seek to create a fairer VAT environment by ensuring that digital platforms play their part in VAT collection where suppliers are not registered or not charging VAT.
Pillar 3 – Single VAT Registration
From 1 January 2027, the OSS scheme expands to include B2C supplies of electricity, gas, and heating.
From 1 July 2028, it will be further expanded so as to cover supplies of goods with installation as well as movement of own goods across Member States. As a result, the call-off stock simplification will phase out between 30 June 2028 and 30 June 2029.
A mandatory reverse charge mechanism will apply to B2B supplies by non-established and non-identified suppliers where the customer is VAT identified in the Member State of supply. Member States may extend this to additional B2B supplies at their discretion (Article 194).
These specific measures are set to allow businesses that operate across different Member States to register for VAT just once within the EU, thus reducing compliance costs and administrative burdens.
Key Implementation Timeline
Date
Pillar/s
Reform Highlights
12 April 2025 (Entry into force)
–
Entry into force. Domestic e-invoicing permitted without EU derogation. EC to adopt anti-fraud rules under IOSS including Unique Consignment Numbers.
1 January 2027
3
OSS extended to B2C energy supplies.
1 July 2028
2 & 3
Deemed supplier rules for platforms (may be delayed to 01 January 2030)
OSS extended to transfers of own goods and goods with installation
Mandatory reverse-charge for certain B2B transactions.
1 July 2030
1
E-invoicing and DRR becomes mandatory for cross-border B2B transactions.
1 January 2035
1
Deadline for aligning national DRR/e-invoicing systems with EU rules.
Immediate Measures in more detail – from April 2025
Domestic e-invoicing [Articles 218(2) and 232(2)]
With the ViDA coming into force, Member States are allowed to mandate the use of e-invoicing for certain domestic transactions involving businesses established within their jurisdiction, without needing prior approval from the EU. This move empowers individual Member States to accelerate the adoption of digital invoicing at their own pace.
Additionally, countries that opt to implement this requirement may also waive the need for customer consent to receive e-invoices.
Importantly, these provisions do not create any obligation to implement digital reporting systems alongside e-invoicing. Member States retain full discretion to introduce reporting systems either independently or in conjunction with e-invoicing.
Until 1 July 2030, specifically for domestic transactions, national tax authorities may continue to define their own e-invoicing formats, meaning they are not required to align with the EU’s standard (EN16931) and this flexibility may remain even beyond that date for domestic transactions.
Improvements to the IOSS framework [Article 143(1a)]
In addition, with effect from April 2025, measures to improve the Import One-Stop Shop (IOSS) have been implemented.
One such measure is the introduction of a Unique Consignment Number (UCN) for every IOSS transaction. This number, generated through an EU-managed system, will be linked to the supplier’s IOSS VAT identification number and will change with each consignment. Customs authorities will use this number to cross-check transactions against the EU’s central database. Only after successful verification will the goods be cleared under the IOSS scheme.
These controls are designed to improve traceability and compliance, reducing the risk of VAT fraud in cross-border low-value imports.
Next Steps
The progressive implementation of the ViDA package over the next decade is set to bring significant changes for businesses and Member States alike.
In particular, for businesses engaged in cross-border operations, early preparation is crucial. The potential financial and operational impacts must be assessed promptly and they should actively liaise with tax authorities as well as professionals to stay updated on requirements, training and developments. In addition, platform based businesses should assess how the deemed supplier rules could impact their current business models.
Although the short-term adjustments may require investment and adaptation, the long-term benefits of ViDA are clear – simplified VAT compliance, fewer VAT registrations, enhanced fraud protection and a more harmonised digital VAT system across the EU. By acting now, businesses can not only stay ahead of the regulatory curve but also position themselves to take full advantage of a more streamlined and future-ready VAT framework.
Transfer Pricing governs how related entities within a multinational group price transaction between themselves. These transactions may include the sale of goods, provision of services, licensing of intellectual property, or financing arrangements. The objective, rooted in the OECD’s arm’s length principle, is to ensure that intra-group transactions reflect prices that independent parties would have agreed upon under comparable circumstances. This principle serves to allocate profits fairly for corporate income tax purposes based on functions performed, risks assumed, and assets employed by each entity.
The Role of Transfer Pricing Adjustments
Transfer Pricing adjustments serve as corrective mechanisms to ensure that intra-group transactions comply with arm’s length standards. Such adjustments may arise proactively by taxpayers through compensating adjustments prior to filing tax returns or retroactively by tax authorities through primary, secondary, or corresponding adjustments following audits. In some cases, adjustments are built contractually into profit equalization mechanisms. While their primary purpose is to realign profits for income tax, these adjustments may raise VAT questions when they involve actual financial flows or re-invoicing.
The VAT Framework: Defining the Scope
The scope of VAT is governed by Article 2(1) of the VAT Directive, which applies VAT to supplies of goods or services for consideration by a taxable person acting as such. While Transfer Pricing focuses on market comparability, VAT operates differently, relying on the actual consideration paid, known as the subjective value principle. In other words, VAT typically taxes what is paid, not what might have been paid under arm’s length conditions. Nonetheless, where Transfer Pricing adjustments lead to actual payments; the question arises whether these payments constitute taxable consideration for VAT purposes.
The issue has been extensively discussed by EU bodies, including the VAT Committee and the VAT Expert Group. Their consistent message is that there is no universal rule: each transaction must be analysed on a case-by-case basis, focusing on its economic and contractual substance.
Determining the Taxable Amount: Articles 73 and 80 of the VAT Directive
The taxable amount for VAT purposes is primarily determined by Article 73 of the VAT Directive, which states that VAT is due on everything received as consideration for the supply of goods or services. This subjective approach forms the foundation of VAT. However, Article 80 of the VAT Directive introduces an anti-abuse mechanism allowing Member States, under narrowly defined circumstances, to substitute open market value in cases involving related parties where tax evasion or avoidance is suspected. Outside these limited exceptions, the VAT system remains firmly rooted in the principle of taxing actual consideration rather than hypothetical market-based adjustments.
When Do Transfer Pricing Adjustments Affect VAT?
The VAT consequences of Transfer Pricing adjustments depend on several interrelated factors. Critical aspects include the existence of a contractual obligation to make adjustments, whether the payments can be clearly allocated to specific supplies, whether financial records reflect these adjustments, and whether the adjustments constitute additional consideration for goods or services already supplied. If adjustments are solely designed to align profit levels for corporate income tax, without altering agreed consideration or triggering payments linked to specific supplies, they generally remain outside the scope of VAT. Conversely, where adjustments involve actual payments directly linked to prior or ongoing supplies, VAT implications may arise.
The CJEU’s Current Focus: The Pending Arcomet Towercranes Case
The pending Arcomet Towercranes case (C-726/23) before the Court of Justice of the European Union (CJEU) provides a direct examination of these questions. In that case, intra group payments calculated under the Transactional Net Margin Method (“TNMM”) following the OECD Transfer Pricing Guidelines were scrutinised for VAT purposes. Advocate General Richard de la Tour has proposed that where intra-group services are identifiable, contractually agreed, and actually performed, the resulting payments should be regarded as consideration for supplies of services subject to VAT. This approach emphasizes that contractual clarity, economic substance, and real financial flows are the determining factors in assessing VAT liability, not the mere application of Transfer Pricing methodologies.
A Careful Path Forward
The interplay between Transfer Pricing and VAT demands careful legal and commercial assessment. Transfer Pricing adjustments do not automatically trigger VAT consequences. Instead, each scenario must be analysed individually, considering the contractual agreements, financial flows, and economic realities of the transactions involved. As the CJEU continues to clarify this complex relationship, businesses and VAT professionals must remain attentive, ensuring that Transfer Pricing compliance aligns not only with direct tax obligations but also with VAT requirements.
Energy and industry experts share their insights during EWA-MBB Workshop
The Energy & Water Agency (EWA) and the Malta Business Bureau (MBB) have partnered to support Maltese businesses in moving beyond quick wins and investing in long-term energy and water efficiency improvements that deliver lasting value.
During a half-day seminar industry experts discussed how to effectively present the business case for energy audits to senior management, with the aim of turning audit recommendations into concrete action. The discussion focused on demonstrating the financial benefits of efficiency investments, such as lower utility bills and reduced maintenance costs, as well as their positive environmental impact.
The workshop underlined the ongoing need for accessible funding opportunities and tailored technical guidance to support businesses in taking the next steps toward energy sustainability.
Ing. Charles Buttigieg, Chief Policy Officer (SSU) at EWA remarked that “This workshop is one in a series of workshops that were organised to help enterprise in their journey to make their business more sustainable. We acted on the feedback that we receive during meetings that we have with businesses, and we selected expert speakers to address common queries and challenges. Today’s workshop was designed to bring together energy auditors and chambers/associations who are in regular contact with our businesses and are thus in a key position to assist our enterprise”.
Addressing the workshop, MBB CEO Mario Xuereb stated, “We are all aware of the rapid pace of new EU legislation, particularly in sustainability. While these policies will bring environmental benefits, such as reduced emissions, we must also recognise the challenges they present for businesses. This includes the time needed to adapt, limited technical capacity, and the need for accessible funding. Today’s workshop is not just about EU policy and goals. It’s about how we can, in our respective roles, better support Maltese businesses.”
Participants also received updates on the latest funding opportunities available to businesses, as well as recent revisions to EU legislation on renewable energy and energy efficiency.
Improving energy efficiency is a cornerstone of the EU’s strategy to reach climate neutrality by 2050. It also plays a critical role in boosting business competitiveness through lower energy costs.
The event forms part of the EnergyEfficiency4SMEs (EE4SMEs) project, an EU LIFE initiative designed to support SMEs lower their energy consumption and costs. The workshop highlighted how energy audits can help businesses identify energy-saving opportunities and areas for improved resource efficiency.
The EE4SMEs project is co-funded under the EU LIFE Programme and supports SMEs in the accommodation, metalworks, and agri-food sectors. Support is offered through funding for energy audits, guidance on accessing other funding schemes, and training opportunities to help reduce energy use.
The project consortium consists of 23 partners working together to support companies across 10 countries. These include Malta, Belgium, Austria, Bulgaria, Cyprus, Estonia, France, Germany, Italy, and Spain.
Bank of Valletta has just opened a new branch in Mosta. Situated just a few meters away from its prior location, the new branch at 31-33 Constitution Street symbolises the Bank’s commitment to improving the customer experience and upgrading the service it offers throughout its branch network across Malta and Gozo. An inauguration ceremony was held to commemorate this occasion, presided over by BOV Chairperson, Dr Gordon Cordina, and the Bank’s CEO, Kenneth Farrugia.
The branch features full cash service facilities, a 24-hour lobby, and two ATMs, including a bulk-deposit ATM aimed at business clients. This five-storey branch includes soundproof meeting rooms to ensure client confidentiality, which remains one of BOV’s top priorities, as well as an archives and services area in the basement. It also incorporates sustainable features, such as the use of second-class water and intelligent lighting. Structural works, which took one year to complete, were carried out to enhance the building’s safety and accessibility.
The new branch is the tenth BOV branch to showcase the contemporary and modern aesthetic that defines the Bank’s Branch Renovation Programme. It has been designed with a strong emphasis on customer experience, carefully planned to foster a welcoming atmosphere, promoting both functionality and comfort.
During the inauguration, the Bank’s CEO, Kenneth Farrugia, stated that, “The new branch exemplifies our commitment to environmental, social, and governance (ESG) principles, and at the same time provides an enhanced and more personalised service experience to our customers. With 32 branches and 94 ATMs across Malta and Gozo, BOV remains the most physically present bank in Malta, reflecting our promise to keep the customer at the centre of everything we do. In parallel, we are currently taking forward a project that will see the Bank launch a new internet and mobile banking channel by the end of this year, which will provide our customers with a significantly enhanced suite of functionalities.
Together with our commitment towards customers, we are equally committed to providing our staff with the best possible work environment. We are making a significant investment in our people, and our modernised premises reflect this commitment towards staff well-being, creating a space that our branch staff can take pride in.”
Dr Gordon Cordina, Chairperson of BOV, said, “The community remains an important stakeholder of the Bank. We have always been closely connected with the wider community, and since our founding, we have played a significant role in the lives of most people in Malta. As one of the main pillars of the economy and society at large, we work hard to make a difference by empowering personal and business customers and supporting their sustainable growth. This new branch in the heart of the community will serve as an important centre-point for this growth.”
Present at the inauguration were Chief Personal and Wealth Officer Simon Azzopardi, Chief Operations Officer Ernest Agius and Branch Manager Claudia Chetcuti and her team.
Malta’s workforce is undergoing a notable shift in training priorities, according to the newly published Training Practices in Organisations Report 2025, compiled by misco in collaboration with The Malta Chamber of Commerce, Enterprise and Industry. The report, now in its fourth edition, reveals changing expectations from both employers and employees when it comes to training provision, retention strategies, and skill development.
One of the most prominent takeaways is the emphasis on internal training as the preferred strategy to tackle skills shortages. Over half of employers (54%) and 42% of employees believe the solution lies in developing existing staff, rather than recruiting new talent.
The report also shows that soft skills training is increasingly linked to employee retention. A striking 80% of employees believe soft skills training helps them stay with an organisation — up 15% from last year. However, only 66% of employers share this belief, reflecting a 16% decline.
At the top of the list of missing capabilities in today’s workforce is decision-making, cited by 46% of employers and 34% of employees. Verbal communication and leadership skills also ranked high among the most lacking, underlining the importance of developing human-centric competencies in addition to technical skills.
The disparity is also evident in training coverage. While 68% of employers claim to prioritise junior and middle managers for training, only 50% of junior managers and 47% of middle managers confirm they received it.
Worryingly, 27% of employees reported receiving no training at all in the past year, and another 25% said no training is planned in the next six months.
Preferences around training type are also diverging. While 46% of employees prefer technical training, only 34% favour soft skills. In contrast, 59% of employers prioritise soft skills training, signalling a need for closer alignment between organisational training strategies and employee expectations.
The appetite for accredited training is on the rise, with 53% of employees now favouring officially recognised programmes — a 13% increase from the previous year. Still, 56% of employers maintain that accreditation does not make a difference, highlighting differing views on the value of formal credentials. Lastly, the format of training delivery is evolving. Preference for in-house training increased to 36% among employees, while open programmes saw a decline. This suggests that we are moving toward more tailored, contextual learning experiences.
As Malta prepares for a future defined by digital transformation and changing workforce demographics, the report stresses the need for organisations to bridge these gaps. Aligning training investments with employee needs will be key to enhancing engagement, retention, and long-term business resilience.
The Malta Chamber of Commerce, Enterprise and Industry expresses, yet again, its deep concern following the collapse of another building, this time in Paceville earlier this week. Though miraculously no one was injured, The Malta Chamber believes it is only through sheer luck that this did not end in tragedy. The incident occurred in one of Malta’s busiest and most frequented entertainment hubs, visited daily by large crowds of locals, tourists and workers. It is useless aspiring for quality experience-based tourism and aiming for ambitious spending targets as outlined in Vision 2050, if such critical issues are allowed to persist.
This latest structural failure is not an isolated event. It reflects a worrying pattern which confirms that we do not have a proper framework to do things safely. Whereas there are some developers and contractors that take all the necessary precautions, poor site management is the order of the day for others. The sector is also subject to weak pro-active enforcement. It cannot continue to operate in a state of exception where economic gain takes precedence over basic safety.
The Malta Chamber cautions that this reckless approach to property development poses a threat not only to lives, but also to country’s economic stability. Malta’s international reputation, particularly in the tourism sector, is at stake. Incidents like the one in Paceville send a damaging message to prospective visitors and investors, suggesting that Malta lacks commitment to safety. Year on year we hear about reforms and new initiatives – however, it is evident to everyone that the sector is not operating diligently.
We cannot afford another collapse. The Malta Chamber is urgently requesting prompt and decisive measures to rectify ongoing deficiencies in the sector and reestablish order and accountability within the construction industry. Laws, fines and penalties must be enforced effectively across the board in a coherent manner, with no exceptions and no oversights, and not remain on paper.
Transparency is also an essential pillar. The public should have access to real-time information on ongoing projects, enforcement actions and safety audits. Residents and tourists alike deserve to know that the places they frequent are safe and maintained to the highest standards.
This is not just about avoiding future tragedies and lives — it is also about protecting Malta’s long-term economic stability and international reputation. Without swift meaningful action, the current climate of negligence will continue to jeopardize lives, national trust, Malta’s economic stability and global standing.
The Malta Chamber stands ready to support government and regulatory bodies in building a more responsible and resilient industry. But the time for warnings has passed. What happened in Paceville must not be remembered as just another near miss — it must mark a turning point.
Three priceless religious paintings – known as sottoquadri – from the Sanctuary of Our Lady of Graces Church in Żabbar have been beautifully restored with the support of Bank of Valletta. The paintings, two of which are by the renowned 20th-century Italian artist Giovanni Battista Conti, were officially inaugurated during a ceremony held on Saturday 31st May 2025.
The restoration is part of an ongoing commitment by the Bank to preserve Malta’s rich cultural and religious heritage. “At Bank of Valletta, we believe in giving back to our communities and safeguarding the artistic and cultural treasures that define us as a nation,” said Ernest Agius, the Bank’s Chief Operations Officer. “The paintings – The Sacred Heart of Jesus, Saint Paul, and Sacro Cuore – have deep spiritual and historical significance for the people of Żabbar, and we are proud to be part of this important project, restoring works of art that continue to inspire generations of both faithful and visitors.”
The Sacred Heart of Jesus, located at the Altar of Our Lady of the Rosary, was painted in 1949 by Conti. This vibrant work symbolises divine love, with Jesus shown with open arms and the Grand Harbour in the background – a touching nod to the community’s roots.
Saint Paul, found directly beneath the titular painting of Our Lady of Graces, reflects Żabbar’s historical devotion to the saint. Though the artist remains unknown, the sottoquadro is believed to date back to the early 20th century and holds a place of honour within the Sanctuary.
Sacro Cuore, another 1949 masterpiece by Conti, features the Virgin Mary with the child Jesus, both crowned and surrounded by celestial clouds – a tender depiction of divine royalty.
These intricate oil-on-canvas paintings were meticulously restored by the dedicated team of conservators at ASC Conservation Centre Ltd, under the direction of lead conservator and founder Amy Sciberras, a dedicated professional with a deep appreciation for sacred art. “This restoration was not just about reviving old paint – it was also about preserving stories, faith, and identity,” said Sciberras. “Conti’s works, in particular, are incredibly moving. His brushwork breathes life into each figure, capturing a timeless spiritual essence.”
Fr Roderick Camilleri, Parish Priest at the Sanctuary said, “We are truly grateful to Bank of Valletta for their continued support and to all who made this restoration possible. These paintings are true symbols of devotion and reminders of the deep roots of faith in our community,”
This initiative also carries added significance as the community marks the 50th anniversary of the tragic 1975 RAF Vulcan bomber crash – a poignant reminder of the strength and resilience of Żabbar and its people.
HSBC Malta has reaffirmed its commitment to social responsibility through its collaboration with Servizz Għożża, a national support service for young mothers. As part of the Bank’s ongoing initiatives to empower individuals with financial and career skills, HSBC representatives have engaged directly with participants in a two-part career development intervention, focusing on CV writing, interview preparation, and mock interviews.
The sessions, held in collaboration with the Wellbeing Services Directorate, provided practical guidance to young mothers seeking to improve their education and employment prospects. The first session introduced essential skills for crafting effective CVs and preparing for job interviews. A follow-up session allowed participants to experience a mock interview process, where an HSBC representative joined a professional panel to provide real-time feedback and career advice.
Glenn Bugeja, Head of Corporate Sustainability at HSBC Malta, expressed the bank’s commitment to supporting young people in their career journeys. “At HSBC Malta, we believe that financial and career literacy are key to fostering independence and empowerment. Through our partnership with Servizz Għożża, we aim to equip young mothers with the necessary skills to secure employment and build a better future for themselves and their families.”
The career guidance team from Wellbeing Services Directorate, highlighted the positive impact of the initiative. “The sessions at Servizz Għożża have been incredibly engaging, with participants showing enthusiasm and a strong willingness to learn. Practical career guidance is crucial in giving them the confidence to take the next steps towards further education or training and employment.”
Servizz Għożża provides holistic support to young mothers, helping them navigate personal and professional challenges. HSBC Malta’s involvement forms part of its broader corporate sustainability efforts to enhance employability, financial literacy, and social inclusion across Malta.
