Directors

	Frederick Mifsud Bonnici Chairman, Non-Executive Director Mr. Mifsud Bonnici was appointed as Director and Chairman of the Board in July 2017. He is a Fellow of the Institute of Chartered Accountants in England & Wales and of the Malta Institute of Accountants. Mr. Mifsud Bonnici spent his professional career with PricewaterhouseCoopers, holding a number of positions and acting as a member of the firm’s Management Board. Between 2014 and 2017 he served as a Non-Executive Director and Chair of the Audit Committee of MeDirect Bank plc, and between 2012 and 2016 of Malita Investments p.l.c. He served as Non-Executive Chairman of Bank of Valletta p.l.c. and Mapfre MSV Life between 2012 and 2013, and as Deputy Chairman and subsequently Chairman of the MSE between 1991 and 1999. He has also served as senior lecturer in Auditing at the University of Malta for 30 years.

	Victor E. Agius Non-Executive Director Mr. Agius was elected to the Board in October 2018, after a diverse career in international investment, banking and development project finance. This included 23 years at the World Bank Group in Washington DC, 3 years at the European Bank for Reconstruction and Development in London and 17 years with the Council of Europe Development Bank in Paris. His work comprised extensive field mission leadership responsibilities to over 60 countries in Africa, East Asia, Middle East & North Africa, Europe and in Former Soviet Republics. Mr. Agius graduated with a B.A. Hons. (Economics) from the Royal University of Malta, holds an MBA from Manchester Business School and completed Senior Finance and Banking Executive programmes at the Wharton School of Finance and at the Stanford Graduate School of Business.

	Joseph C. Attard Non-Executive Director Dr. Ing. Attard has over 25 years of local and international experience in the Information and Communication Technology (ICT) sector. He was elected as Director of the Bank in July 2018. Between 2015 and 2020 he was the Chief Technical Officer of GO p.l.c.. Between 2007 and 2015 he was the Chief Technology Officer of Emirates International Telecommunications LLC. Dr. Ing. Attard holds a Bachelor’s degree in Electrical Engineering (Hons) from the University of Malta, a Masters of Sciences (M.Sc) in Operational Telecommunications from the University of Coventry (UK) and a Doctor of Philosophy (Ph.D.) in Telecommunications Engineering from University College London (UK). He has regularly lectured at University College London on ICT topics.

	Franco Azzopardi Non-Executive Director Mr. Azzopardi was elected on the Board of Directors in September 2008. He is a professional director and a registered fellow member of the UK Institute of Directors. He serves on the boards of directors, and on audit and risk committees of both listed and private companies in various sectors including banking, insurance, software and logistics. Prior to 2007, he spent 27 years working in public practice, including with Deloitte Haskins and Sells and in an accounting and auditing firm he co-founded in 1990. He holds an M.Sc. degree in Finance from the University of Leicester (UK) and is an Honorary Fellow member of Malta Institute of Accountants, having also served as President between 2015 and 2017. Mr Azzopardi is also the Chairman and CEO of Express Trailers Limited.

	Laragh Cassar Non-Executive Director Dr. Cassar was appointed to the Board in April 2016. Throughout her career, Dr. Cassar has gained vast experience in many areas of practice including banking, investment services, asset management, capital markets and corporate law restructuring. Having joined Camilleri Preziosi as an associate in 2003, she was subsequently a partner of this firm between 2009 and 2015. She then founded the firm ‘Camilleri Cassar Advocates’. Dr. Cassar obtained a degree in law from the University of Malta in 2002 and a Master of Law in Banking and Finance from the University of London in 2003. She also holds the role of non-executive director on the board of Hili Properties p.l.c. and the role of non-executive director and company secretary on the Board of Medserv p.l.c..

	Alfred DeMarco Non-Executive Director Mr. DeMarco was appointed to the Board in April 2016. He is an associate of the London Institute of Banking and Finance (ACIB) and holds a degree in economics from the University of London. He is a central banker by profession with more than 40 years’ experience at the Central Bank of Malta (CBM). He progressed through senior executive positions at the bank including that of Deputy General Manager and Director of the Economics and External Relations Division. He was appointed Deputy Governor in April 2010, a position he held until end-March 2015. He is also a member on the Kunsill Finanzjarju Djocezan.

	Victor Gusman Non-Executive Director Mr. Gusman was elected to the Board in April 2012. During the 35 years he was at the helm of the Lemco Group, Mr. Gusman led the administration team of a workforce of over 650 with manufacturing bases in Italy and Poland and a sales force operating in 34 countries. He gained experience in servicing international companies with custom-made products to accommodate their own brands and was central in dealing with governments for their specialised requirements in their hardware and manufacturing sectors, negotiating with unions in Italy and Poland. Mr. Gusman is the Administrative Secretary of the Diocese of Gozo and executive director of GDH Company Limited and Kura Gozo Company Limited.

	Michael Pace Ross Non-Executive Director Mr. Pace Ross was elected to the Board in November 2015. He served as Director General of the National Statistics Office for 6 years, sitting on national and European committees, including the European Statistical Advisory Committee prior to his current appointment as Administrative Secretary of the Archdiocese of Malta. He is a Council member of the Malta Employers Association (MEA). Mr. Pace Ross holds a BA (Honours) degree in Economics and Management and an MBA from the University of Malta. He is also an associate of the London College of Music. He was invested as Knight in a papal equestrian order by Cardinal Edwin O’Brien in 2019. He also holds the role of non-executive director on the board of Amalgamated Investments SICAV p.l.c. and is company secretary of AROM Holdings Limited.

	Martin Scicluna Non-Executive Director Mr. Scicluna was elected to the Board in November 2013. Mr Scicluna is also non-executive director of ReAPS Asset Management Limited. Since 2012 Mr. Scicluna has directorships in asset management and insurance companies licensed in Malta. He held a number of managerial positions in Mid-Med Bank between 1976 and 1996, following which he joined Midland Bank which later became HSBC Bank Malta p.l.c.. He also served on several boards for HSBC Malta subsidiaries and on its Audit Committee. Mr. Scicluna is an Associate of the Chartered Institute of Bankers, holds a Diploma in Financial Studies and was elected a Fellow of the Institute of Financial Services in 1999. He also serves on audit, investment and risk committees of a number of private companies in various sectors.

	Graziella Bray Company Secretary Dr. Bray graduated as Doctor of Laws from the University of Malta in 2004 and joined the Bank in 2006. Over the years, she has performed duties in various areas of law, regulation and compliance, including providing support to the Board and various committees and to the APS Funds SICAV plc. She is also the Company Secretary of ReAPS Asset Management Limited. Dr. Bray lectures in Company Law, Regulation and Corporate Governance at the University of Malta and the Malta Stock Exchange Institute.

Management

	Marcel Cassar Chief Executive Officer (CEO) Marcel joined the Bank as CEO in January 2016. His career started in 1987 with Price Waterhouse Malta, followed by MIBA/MFSC, now the MFSA (1991-1996). He was General Manager at Lombard Bank Malta p.l.c. (1996-2004) and First EVP and CFO at FIMBank p.l.c. (2004-2015). He also served on the board of the Malta Bankers’ Association, including as Deputy Chairman (2017-2018) and Chairman (2018-2020), leading to a seat on the board of the European Banking Federation. Mr. Cassar is a CPA, a Fellow of the Malta Institute of Accountants, holds an MBA from the University of Wales and Manchester Business School (1995) and has lectured and supervised in the M.A. Financial Services course at the University of Malta.

	Giovanni Bartolotta Chief Risk Officer (CRO) Giovanni joined the Bank as Chief Risk Officer in September 2018. Prior to joining the Bank, he spent 10 years in London working for major global investment banks, including Kleinwort Benson, JP Morgan Chase & Co. and Bear Stearns International. He then moved to Malta where he spent fourteen years at FIMBank p.l.c., as Executive Vice President and Global Head of Risk. Mr. Bartolotta holds a B.A. in Economics from Bocconi S.D.A., University of Milan.

	Raymond Bonnici Chief People Officer (CPO) Raymond joined the Bank as Head of Human Capital in 2016 and was appointed to his present role in June 2020. He started his career working in aviation, including for KLM, Swissair and Sabena. Following this period, he worked at Premier Capital p.l.c. and was a key element in setting up the group’s Human Resources function. He also worked at Hilton Hotels International, as Director of Human Resources for Malta. Mr. Bonnici holds a B.A. in Youth and Community Studies from the University of Malta.

	Anthony Buttigieg Chief Banking Officer (CBO) Anthony joined the Bank as Head of Banking in May 2016 and was appointed to his current position in June 2019. His experience in the banking sector spans 42 years. He started his career with Mid-Med Bank, which later became HSBC Bank (Malta) p.l.c., where he held a number of Senior and Managerial roles. Mr. Buttigieg is a qualified banker and an associate of the Chartered Institute of Bankers.

	Jonathan Caruana Chief Technology Officer (CTO) Jonathan joined the Bank in 1999 and served in various departments before being promoted to Information Systems Manager in 2008 and Head of Information Technology in 2015. He was then appointed Chief Technology Officer in November 2016. Mr. Caruana holds a B.Sc. (Hons) in Computing from the University of Greenwich and an M.Sc. in Software Engineering from the University of Hertfordshire.

	Hervé Delpech Chief Strategy Officer (CSO) Hervé first joined the Bank as Head of Strategy in 2017 and was appointed to his present role in April 2019, having. Prior to joining the Bank, he held senior roles in strategy, branding and marketing communications with Barclays Bank, Credit Mutuel Group, Aviva, Wedgwood, Al Suwaidi Group and Swarovski, amongst others. He holds a M.Sc. in General Management from the London Business School.

	Noorul-ain Khan Chief Operating Officer (COO) Noorul-ain joined the Bank in November 2020. She is a qualified Chartered Accountant, currently registered with the South African Institute of Chartered Accountancy. She has significant financial services experience, gained with large multinational corporates including Barclays, Nedbank, FirstRand and Investec Private Banking, backed up with manufacturing industry experience with BMW SA and Basileus.

	Noel McCarthy Chief Investments Officer (CIO) Noel joined the Bank in 2000 and served in a number of successively senior positions over the years, latest being that of Chief Financial Officer since 2016. He was appointed to his present role in June 2020. Mr. McCarthy is a CPA and a fellow member of the Malta Institute of Accountants. He also holds a M.A. in Financial Services from the University of Malta. He also serves as a Director of ReAPS Asset Management Limited and as Alternate Director of Ivalife Insurance Limited.

	Ronald Mizzi Chief Financial Officer (CFO) Ronald joined the Bank as Chief Financial Officer in September 2020. He was previously Group Chief Financial Officer at FIMBank p.l.c., having spent his earlier career with parallel engagements with PricewaterhouseCoopers in Malta, the Channel Islands and New York. Mr. Mizzi is a CPA and holds a Practicing Certificate in Auditing, both issued by the Accountancy Board in Malta. He is a Fellow of the Malta Institute of Accountants and holds an B.A. (Hons) in Accountancy from the University of Malta.