Top of main content

A promising future in store

Working for your parents is as old as civilisation, and many second-generation entrepreneurs opt to follow their parents’ line of business. But when is that decision taken? 

There is a magical moment when, sitting on the cash register and staring at the sun-kissed display windows, the nine-year-old you falls in love with the lights, the chatter, the customers, the smell of new inventory. And before you know it, you have gone from being your parents’ baby to making the business your baby. 

At least that was the story for Raymond Brincat who started helping out his mum and dad at their new store in the 1970s. Today, 34 years later, he is still very much in the same line of business, running his own store in B’Bugia. And he still loves the retail trade as much as ever. 

“I started working in retailing when I was just 16, and as you can see I’m still doing it after all these years. I still love doing this job which is now my family’s main income. But I can assure you that it also entails a certain level of commitment,” says Raymond with a smile. 

This commitment is supported by HSBC Fusion, which is offering Raymond a dedicated relationship manager to look after both his personal and business accounts. 

“Importantly, the personal and business accounts are kept separate, however I can still manage both through one login.” 

You can watch a brief video about how Raymond’s childhood dream became a reality here:

Watch video

We are pleased to discuss the HSBC Fusion service in person at one of our convenient branches.

More customer stories


Find out how we helped veteran hair-stylist Mandy Mahoney make her a salon a cut above the rest.


See how we enabled artist Alan Azzopardi to focus on his craft while we took care of his finances.


See how teamwork helped Paul and Caroline McAlister manage to build a successful business.

Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act (Cap. 487 of the Laws of Malta).




The Site is primarily intended for those who access it from within Malta. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Malta.

Listening to what you have to say about our services matters to us.