Memorial Magazine

Saint Lucia Says Goodbye
In Memoriam
Andy Belmar
XX December 19xx - 17 July 2016

A visionary leader with a
wonderful and generous spirit!
As a family, our entire Bank and Staff stands deeply
saddened by the untimely passing of our Managing Director,
Mr. Andy Delmar, on Sunday 17th July, 2016.
Mr. Delmar joined us in January 2014 and brought with him a wealth of knowledge,
talent and personality, having worked in the banking sector locally and regionally
for over two decades.
A proud husband and father of three sons, Mr. Delmar will always be remembered
for his passion and drive for excellence and his love for St. Lucian life and culture -
carnival in particular.
We find comfort and take courage in the overwhelming support and love all of
you have so generously expressed.
We have lost a visionary leader with a wonderful and generous spirit.

Grenada newspaper
pays tribute to Saint
Lucian Banker
By Carib Update Weekly, Grenada
Just four months ago, Andy Delmar was in
Grenada as a representative of 1st National
Bank of Saint Lucia, which wasentering into an
agreement with the Grenada Co-operative
Bank.
Delmar, 1st National’s managing director, is
now dead. He lost his life Carnival Sunday in
St Lucia – in a vehicular highway accident in his
homeland.
Andy Delmar accompanied then President of 1st National Charmaine Gardner (2nd from right)
when they traveled to Grenada to sign a Memorandum of Agreement for Cooperation between
the two sister OECS banks. Also on the Saint Lucia delegation were current President Nigel
Fulgence, as well as as well as Christian Husbands, chair of the banks Finance, Planning and Investment Committee.
Delmar was a banker of “extraordinary vision, sensitivity and imagination’’, said OECS director general, Dr Didacus Jules.
“The OECS Commission will miss his financial advice. We extend our deepest sympathy to his wife Wendy, his sons and
his entire family’’.
Outside of his profession, Delmar was also well-known in the St Lucian cultural community.
He was a co-founder and top leader in the “Just4Fun’’ carnival band.

Banks closed half-day for funeral
The Bankers Association of Saint Lucia has already informed customers of all its member banks here –
and the general public – of a change in banking hours this week to facilitate the funeral of Andy Delmar
on Friday.
The association indicted that banks would open for extended hours on Thursday 28th July 2016, from
8:00am to 5:00pm. But on Friday 29th July 2016 they will only open for half the day, from 8:00am to
12:00 pm.
The changed banking hours is applicable to all commercial banks in Saint Lucia, to facilitate staff
attendance at the uneral service in honour of the life of Mr. Delmar, who, apart from being Managing
Director of the First National bank, also served as President of the Bankers Association of Saint Lucia and
of the ECCU Bankers Association.

A banker of extraordinary vision,
sensitivity and imagination!
The OECS Commission
joins Saint Lucia and the
rest of the OECS in mourning
the untimely passing of
Mr. Andy Delmar, the Managing Director of 1st National
Bank of Saint Lucia, who was also the President of the ECCU
Bankers Association and also of the Saint Lucia
Bankers Association.
Director General of the OECS, Dr. Didacus Jules, sees Mr. Delmar as a banker of extraordinary
vision, sensitivity and imagination, who viewed his profession as a facilitator of
financial opportunity for persons from all walks of life.
Andy was a professional of unmatched competence and a passionate
personal drive to ensure excellence in all that he did...But above all he was a
wonderful, gentle, joyful person, a loving husband and dedicated father.
We do give thanks for the
Laughter and the Light that he brought
us all.
The Commission will miss
his financial advice
and we extend our deepest sympathy to his wife Wendy, his sons
and his entire family. May he Rest in Peace!

Chamber mourns the passing of Andy Delmar
We bury him today, but we remain in deep shock as, in many ways, our Staff,
Board of Directors and Members had been in direct and close contact with Andy.
Andy always willingly gave his time, knowledge, expertise and the resources at his disposal,
for the benefit of others.
He possessed a reservoir of knowledge and insight into the critical issues affecting the
Banking Sector and the wider economy.
As our President (and a close personal friend) said, “His affable character, love for humanity,
undying desire to help all that he could -- and his ready smile -- cannot be replaced.
“He will forever be missed by more persons and institutions across this island, as he
has left an indelible footprint on so many lives, just by being Andy.”
We will miss his incredibly incisive insight into the rapidly changing banking
and financial sector.
We extend our deepest sympathies to his wife Wendy, his three sons and his entire family.
We remain grateful for having the opportunity to know Andy.
May he Rest in Peace!

A Dynamic and Respected Leader
The St. Lucia Bankers Association mourns the loss of Mr. Andy Delmar,
who was President of the Association and Managing Director of 1st National
Bank Saint Lucia Ltd at time of passing.
A career banker, Mr. Delmar made significant contributions toward the
financial sector both locally and within the OECS, having served as the
President of the ECCU Bankers Association.
The members of the Saint Lucia Bankers’ Association express profound
gratitude for the time Andy served.
We all agree that in the short time Andy headed the Association, he advanced
several of the Executive’s ideas. Andy was well liked and respected, having
provided dynamic leadership during his presidency.
We will always be grateful for his contribution to the Association and the
financial industry as a whole.
He will be greatly missed.
The Saint Lucia Bankers Association extends deepest condolences to Andy’s
family, and to all the employees of 1st National Bank, during this
overwhelmingly difficult period. Our thoughts and prayers are with them.
May he Rest in Peace!

He steered our bank through exciting
challenges and opportunities
We join Saint Lucia and the rest of the OECS and CARICOM in mourning the sudden
passing of our valued colleague Mr. Andy Delmar, Managing Director of
1st National Bank, St Lucia, as a result of a tragic car accident on the 17th July 2016.
In addition to being a valued member of the CAB, Andy was the President of the
Bankers Association of Saint Lucia and President of the ECCU Bankers Association.
Andy was a person of high repute, dynamic leadership and engaging character, who
has made a substantial contribution to the banking sector both locally and regionally.
On behalf of the Board of Directors, the Secretariat and members, we extend our
heartfelt condolences to Andy’s wife and family, as well as the Board and Staff
of 1st National Bank, St Lucia. Andy will be sorely missed.
May he rest in peace!

The Eastern Caribbean Central Bank (ECCB) is deeply saddened by the sudden and tragic passing of Andy Delmar, Managing Director of 1st National Bank
St. Lucia Limited and President of the ECCU Bankers Association.
Timothy N. J. Antoine, Governor of the ECCB, expressed the view of all members when he said after his passing that Andy demonstrated strong leadership of the
recently-revived ECCU Bankers Association -- and had great plans.
We regarded him as a willing and able partner and were looking forward to doing some progressive things together, to take our banking industry to the next level.
The ECCB extends our profound condolences to his mother, his dear wife, Wendy and two sons, his family, colleagues of 1st National Bank St. Lucia, the ECCU
Bankers Association and the financial community in Saint Lucia.
May his soul rest in peace.
Andy was a willing and able partner!

His horizons knew no bounds and had no limits.
Message from the President and Board of Directors of First National Bank
By Nigel Fulgence, President
We are today, this week and this month, saying our final goodbyes to Andy Delmar.
It is never a joyous moment to have to say goodbye. But our goodbye today is different. It is special. It mourns
Andy’s loss, but celebrates his life. We grieve his passing, but every day since he left we have had reason to
thank him for having been with us.
When Andy took the reins as Managing Director of our bank, he did so at a very important period in its
history. Our country’s first private commercial bank was just 75 years old when he came on board in 2014. But
it was also a time when, under his new and visionary leadership, our bank was able to start the break from the
traditional approach to banking and begin -- in earnest -- the process of repositioning it, for now and the
future.
Andy’s 30 months with the bank availed us of two years and six months to benefit from of his 23 years of
inimitable and inestimable experience, at home and abroad, in the OECS and CARICOM, and in the wider
Caribbean region.
Throughout his 30 months with us, Andy remained the quintessential professional banker. A visionary always,
he also always remained focused. He always looked beyond the bank’s door and beyond our own shores.
His horizons knew no bounds and had no limits.

Our staff keep reminding each other – and us Directors – that one key constant of Andy Delmar as a leader,
was that when it came to their personal development he contributed on a one-to-one basis, leading by
example, at all times. Never without his inimitable smile, he was also the most serious banker when necessary
– which was ALWAYS.
Andy blazed the trail at our bank and during its 75th anniversary started the process of taking our banking,
here and now, to the next level.
As my predecessor noted when he came on board on January 3, 2014, Andy’s arrival marked a significant part
of our proactive market strategy to preserve growth, despite the highly competitive global market. My fellow
Directors and I have absolutely no doubt that Andy Delmar’s legacy at our bank, in our country and in our
region, will loom both long and large, from now until a very long time to come.
It is for this reason that I join today all who knew and worked with him, to not just mourn his passing, but to
celebrate Andy’s great life and his even greater contribution to our bank, to the banking industry and to the
satisfaction of all customers who have had the good fortune of ever having done banking business with him.
May Andy Forever Rest in Glorious Peace!

Gentleman Banker, Ultimate Reveller!
It is impossible to decide which Andy loved best – banking or carnival. He gave both his utmost, which is
probably why it is so difficult to know which he loved better or best, if any.
The ultimate banker, Andy knew quite well how the banking world turns
today. Coming on board when the islands first local commercial bank was
three-quarters-of-a-century old, he brought to the First National Bank that
wealth of experience he had gathered everywhere he worked in the wider
Caribbean and beyond.
Management and Staff, Directors and Customers, everyone has had
everything pleasing and wonderful to say about the man whose job and
responsibility you would never know if you did not already.
The stories from customers who have been either moved or saved by his
interventions at his bank are many and varying in their levels of praise and
expressions of satisfaction. He indeed represented the banker of the new era.
But the Gentleman banker was also the Ultimate Bandleader. A co-founder
and leader of the Just4Fun carnival band, he brought to his revelry business
the same seriousness and creativity he was known for at the banks he
worked with.
Which One

Revelers who knew anything about him will all tell of memorable incidents and exchanges that revealed the
man behind the ever effervescent smile.
Andy’s untimely death, just hours before the start of the end of 2016 carnival season, cast a serious dark
shadow over the entire season. What had started as an uneventful
(i.e. positive) season, ended up marred by his tragic passing.
No one believed, on first hearing, that Andy had died – and not in those
tragic circumstances. For some inexplicable (but well accepted) reason,
no one felt that was the way he would go. But then, as all also accepted,
who among us decides on how any of us will go?
However, if anything, Andy’s ability to strike the correct balance
between serious banking and Playing Mas has to be the best pointer to his
ability to be who he has to be, whenever and wherever. In days of old
when science could not as well understand people as today, Andy might
have been described as being equally Dr. Jekyll as Mr. Hyde. But Andy was
neither of those fictional characters.
He was simply an extraordinary Saint Lucian banker whose humility was
simply seen, heard and felt in all that he did -- whether caring for other
people’s money, or caring enough to ensure each carnival season is one
every reveler will have something to remember for.
The photos in this section show Andy the Banker and Andy the Player!
Was Andy?

At Work

At Play

He steered our bank through exciting
challenges and opportunities.
Saint Lucia’s longest standing financial institution, 1st National Bank St.
Lucia Limited, was quite happy 30 months ago, when it announced it
had appointed Andy Delmar as its new Managing Director.
Delmar, a Saint Lucian with 23 years of experience in the Caribbean
banking and financial services sector at the time, took the helm at the
bank on January 3, 2014.
(Then) bank President Dr. Charmaine Gardner, said Delmar’s
appointment came at a time when the bank had strategically realigned
its structure and operations.
The late Andy Delmar was appointed Managing Director
in the 75th year of the bank’s history.
Dr. Gardner also highlighted the historicity of the event, saying “It is no coincidence that in our 75th year, we
have selected a new managing director to steer our bank through this current period of exciting challenges
and opportunities. This is a significant part of our proactive market strategy to preserve growth despite the
highly competitive global market.”
Delmar brought to 1st National Bank a wealth of professional expertise and experience in the key areas of
retail banking, sales, small business, home financing, product management, marketing and personal banking.

He had already held senior regional positions with CIBC First Caribbean International Bank (FCIB), including
those of Director, Retail Banking Operations; District Manager, EC Islands, with responsibility for Retail, Wealth
and Small Business; Director of First Caribbean International Finance Corporation; Associate Director, Retail
Sales for Barbados, Belize and EC Islands; Home Finance Manager for the OECS, BVI and St. Maarten; Product
Manager, Marketing Department; and Personal Banking Manager, St. Lucia.
When he joined 1st National, Mr. Delmar held the professional banking designation of Fellow of the
Institute of Canadian Bankers (FICB); and the Degree of Master of Business Administration (MBA), specializing
in Financial Services Management from Dalhousie University, Canada.
The Board of Directors, Management and Staff were indeed pleased to welcome Mr. Delmar to the 1st
National Bank team. It is therefore with sadness that bank staff say Goodbye to him today, but with gladness
that his contribution to the bank will continue to live beyond his life on earth.
May Andy Rest In Eternal Peace!

Andy Delmar
17 July,
2016
17 July,
2016
Produced by e@l Publications for 1st National Bank
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