MONETA GROUP - Key Persons

Job Titles:

• Member of the Management Board
• Vice - Chairman of the Management Board and Chief Risk Officer
• Vice - Chairman of the Management Board and Chief Risk Oficer

Carl Normann Vökt holds a university degree with a major in Finance and Marketing from Karl-Franzens University in Graz/Austria. His career began in 1990 in the area of Project and Structured Finance in Creditanstalt in Vienna and later in International Finance Corporation in Washington. From 1996 Mr. Vökt worked in Poland where he held a number of different senior positions in Corporate Banking and Risk Management during his 15-year tenure. The last position he held there was Chief Risk Officer and Deputy President of the Management Board at Bank BPH in Warsaw. Throughout his career in Poland, he also served on the supervisory boards of several related companies like mortgage bank, leasing firms and fund management businesses. Since November 2012 he has been Chief Risk Officer at MONETA Money Bank, a.s. In January 2013 he was appointed a member of the Board of Directors of MONETA Money Bank, a.s., and in March 2019 he became its Vice-chairman. Mr. Vökt has also served as a member of the Supervisory Boards of MONETA Leasing (since November 2015) and MONETA Auto (since May 2016). Since April 2020, Mr. Vökt has been the Chairman of the Supervisory Board of MONETA Stavební Spořitelna, a. s. and since April 2021, he also holds the position of the Vice-Chairman of the Supervisory Board of the foundation Nadace MONETA Clementia.

Job Titles:

• Senior Specialist of Investor Relations

Job Titles:

• Member of the Management Board
• Member of the Management Board and Chief Financial Officer

Jan Friček is a graduate of the University of Economics in Prague, Faculty of Finance and Accounting, he is also a Fellow Member of the Association of Chartered Certified Accountants (FCCA). Prior to joining MONETA Money Bank, a.s, between years 2004 and 2009, he worked as an auditor with Deloitte. Mr. Friček has been at MONETA Money Bank, a.s. since 2009, during which time he has held a number of senior positions within the Finance division. In particular, he held a position of a Financial Planning & Analysis department Manager and prior to that a position of a Technical Controller. During the years 2016 and 2017, he became a Managing Director and Chief Financial Officer of MONETA Leasing and in 2018 he was also appointed as Chief Financial Officer of MONETA Auto. In March 2019 he was appointed Member of the Management Board and Chief Financial Officer of MONETA Money Bank, a.s. Since March 2019, he has also served as a Member of the Supervisory Board of MONETA Leasing and MONETA Auto. Since April 2020, Mr. Friček has been a Member of the Supervisory Board and Audit Committee of MONETA Stavební Spořitelna and since April 2021, he has also been a member of the Supervisory Board of the foundation Nadace MONETA Clementia.

Job Titles:

• Member of the Management Board
• Member of the Management Board and Chief Commercial Banking Officer

Jan Novotný has been with MONETA Money Bank, a.s. since 2003 and has held several positions during that time. He began as a commercial banking analyst and later became the data team leader; he also led product development and ultimately the whole product management. He left in 2007 to gain more experience within the GE Capital Group in Singapore, where he served as Product Manager for Small and Medium Enterprises for the South-East Asia Region (Singapore, the Philippines, Thailand and China). He returned to the Czech Republic the following year, working as Head of the Micro and Small Enterprises Segment, and later as the Manager of the entire SME segment. In May 2013, he was appointed Chief Commercial Banking Officer and since December 2013 he has been a member of the Management Board of MONETA Money Bank, a.s. Mr. Novotný has also served as a member of the Supervisory Boards of MONETA Leasing (since November 2015) and MONETA Auto (since May 2016). Since April 2020, he also holds the position of the Vice-Chairman of the Supervisory Board of MONETA Stavební Spořitelna.

Job Titles:

• Senior Specialist of Investor Relations

Job Titles:

• Member of the Management Board
• Member of the Management Board and Chief Operating Officer

Klára Starková graduated from the Wirtschaftsuniversität Wien and the Rochester Institute of Technology in the USA. She started her career at McKinsey & Company, where she worked for almost 11 years. Between 2007 and 2016, she acted as an Executive Committee Member responsible for IT and operations, as well as Member of the Executive Committee responsible for Poland and Slovakia in Generali CEE and Generali PPF Holding respectively. There she also led strategic HR, legal and internal communication, as well as competence centres. She has broad experience as a Managing Director and lead consultant in Accenture, where she served since 2017 and was responsible for advisory services for major financial institutions in the CEE region. Since June 2021, Mrs. Starková has been a member of the Management Board of MONETA Money Bank, a.s. and the Chief Operating Officer.

Job Titles:

• Member of the Supervisory Board of MONETA Money Bank

Mr. Clare Ronald Clarke is a member of the Supervisory Board of MONETA Money Bank and the Chairman of the Remuneration and Nomination Committees of the Supervisory Board of MONETA Money Bank. Mr. Clarke holds an Associate degree from Dalhousie University. He worked as a Human Resources Manager at Pfizer and Warner-Lambert Canada. He joined Cesky Telecom/Eurotel, subsequently acquired by Telefónica, fulfilling HR Business Partner and Head of HR roles through 2010 for the rebranded O2 Czech Republic business. He subsequentely became the Head of Learning & Development for O2 Europe, reporting to the Director of Human Resources at the Europe region level. Mr. Clarke was responsible for Commercial & Technical Learning across the five country regions. He designed and implemented Telefónica's European Region Commercial/Technical Learning & Development Organisation. He has been the Chairman of the Nomination and Remuneration Committees (advisory bodies) of the Supervisory Board of MONETA Money Bank since 2016. Apart from his position as a member of the Supervisory Board of MONETA Money Bank, he currently holds the position of the sole member and director of ReDefine s.r.o.

Job Titles:

• Member of the Supervisory Board and the Audit Committee of MONETA Money Bank
• Member of the Supervisory Board of MONETA Money Bank

Denis A. Hall Member of the Supervisory Board and the Audit Committee of MONETA Money Bank Mr. Denis A. Hall is a member of the Supervisory Board of MONETA Money Bank, a member of the Audit Committee of MONETA Money Bank and a member of the Risk Committee of the Supervisory Board of MONETA Money Bank. Previously, Mr. Hall held senior executive positions as Chief Risk Officer at Citibank (1985-2001), Deutsche Bank (2001-2007) and GE Capital International (2007-2016). From 2008 to November 2016, he worked as a Supervisory Board member and the Chairman of the Risk Committee at BPH Bank SA and from November 2013 to March 2017 as a non-executive Board member of Hyundai Capital Cards. From 2012 to June 2015, he worked as a member of the Supervisory Board of Budapest Bank Zrt and from October 2013 to December 2016 as the non-executive Chairman of the Board of UK Home Lending Ltd. From 2013 to April 2022, he was a member of the Supervisory Board and Audit and Risk Committee of Cembra Money Bank AG, Switzerland, a bank listed on the SIX Swiss Exchange. Apart from his position as a member of the Supervisory Board of MONETA Money Bank, Mr. Hall has been, since March 2017, a non-executive Board member and a Chairman of the Risk Committee of the Skipton Building Society in the UK. Since November 2020, Mr. Hall has also been the Chairman of the Audit and Risk Committee and non-executive Board member of Auxmoney Europe Holding Ltd, a consumer finance company based in Ireland. Since August 2022, he has been a member of the Supervisory Board, Risk, Technology and Remuneration Committees of Aareal Bank AG, an International Commercial Real Estate Bank based in Wiesbaden, Germany.

Job Titles:

• Chairman of the Supervisory Board of MONETA Money Bank

Mr. Gabriel Eichler is the Chairman of the Supervisory Board of MONETA Money Bank and a member of the Nomination Committee of the Supervisory Board of MONETA Money Bank. Mr. Eichler studied economics and international relations and has degrees from Brandeis University, The University of Chicago, and the University of Toronto. Mr. Eichler has been the Chairman of the Supervisory Board of MONETA Money Bank since 2 August 2018. Apart from his position as Chairman of the Supervisory Board of MONETA Money Bank he currently holds the positions of Founder and Director of Benson Oak spol. s r.o., originally a boutique investment bank, later a private equity group which he founded in August 1991. He is also the Chairman of the Board of Directors of Vaclav Havel Library and the Chairman of the Board of Trustees of the International School of Prague. He began his international banking career at Bank of America where he spent 15 years (1975-1990), half of it at the bank's headquarters in the US (his last position was Chief International Economist) and half as regional General Manager of Bank of America in Paris, Vienna and Frankfurt. After leaving Bank of America, Mr. Eichler spent a year as a partner and Executive Vice-President (EVP) in a US private equity group. From 1994 to 1998 Mr. Eichler was the Vice-Chairman of the Management Board and until the end of 1996 CFO of ČEZ. In 1998-2001, he was the Chairman of the Management Board, President & CEO of Východoslovenské železiarne (VSŽ). Mr. Eichler also acted as the Vice-Chairman of the Supervisory Board of Československá obchodní banka, a member of the Supervisory Boards of Česká pojišťovna and Slovenská sporiteľňa. Until September 2016, Mr. Eichler was the Vice-Chairman (earlier Executive Chairman) of the AVG Technologies Supervisory Board. Mr. Eichler helped bring AVG Technologies, as the first Central European company, to the New York Stock Exchange (NYSE). Earlier he was a member of the Board of Ness Technologies (NASDAQ).

Job Titles:

• Member of the Supervisory Board and Chairman of the Audit Committee of MONETA Money Bank

Mr. Michal Petrman is a member of the Supervisory Board of MONETA Money Bank, the Chairman of the Audit Committee of MONETA Money Bank and a member of the Nomination Committee of the Supervisory Board of MONETA Money Bank. Mr. Petrman is currently engaged in several supervisory and audit committees or boards and is a lecturer at the University of Economics in Prague. Mr. Petrman spent most of his career at Deloitte in the Czech Republic where he specialised in auditing financial institutions and other large companies. He also held a number of senior management roles including the Managing Partner of the Deloitte Czech and Slovak offices and a member of the Executive Committee of Deloitte Central Europe. Mr. Petrman was a member of the Supervisory Board of the Dagmar and Václav Havel Foundation VIZE 97 and the Board of the University of Economics in Prague. From 2015 until 2021 he was managing director of Auxilium Consultum, s.r.o. v likvidaci. Since 2009, he has been managing director of INCELA s.r.o. He is currently a member of the Board of the Endowment Fund for Independent Journalism, Chairman of the Supervisory Committee of Czech Television and Chairman of the Audit Committee of NET4GAS, s.r.o. He also serves as a member of the Audit Committee of Národní rozvojová banka, a.s. (National Development Bank), the Audit Committee of Allianz pojišťovna, a.s., Allianz penzijní společnost, a.s. and Diamond Point, a.s. in the Czech Republic. Since May 2020, Mr. Petrman has also been the Chairman of the Audit Committee of MONETA Stavební Spořitelna, a.s. (member since April 2020).

Job Titles:

• Vice - Chairman of the Supervisory Board of MONETA Money Bank

Mr. Miroslav Singer is the Vice-Chairman of the Supervisory Board of MONETA Money Bank, the Chairman of the Risk Committee and a member of the Remuneration Committee of the Supervisory Board of MONETA Money Bank. Mr. Singer graduated from the University of Economics in Prague, where he obtained an engineering degree in econometrics and operations research. He also holds a doctoral degree in economics majoring in econometrics and labour from the University of Pittsburgh. Mr. Singer served for five years as the Vice-Governor (from February 2005 to June 2010) and six years as the Governor (from July 2010 to June 2016) of the Czech National Bank. He also has broad experience from having served on a number of boards. Mr. Singer served from 1994 until 1996 at the Centre for Economic Research and Doctoral Studies at Charles University, within the Economic Institute of the Academy of Sciences of the Czech Republic, where he was the Deputy Director for Research. Between 1995 and 1996, Mr. Singer worked as a member of the Supervisory Board and the Board of Directors of Česká pojišťovna a.s. He subsequently joined Expandia Group, where he served as Chief Economist and a member of the Supervisory Board of Expandia Bank and later as CEO and the Chairman of the management boards of the Expandia group industrial companies. From 2001 to 2005, he was a Director of Business Restructuring Services at the international consulting firm, PwC. In 2019, Mr. Singer also served as a member of the Supervisory Board of ADRIATIC Slovenica. The company merged with Generali zavarovalnica d. d. Slovenia in 2019. Until its merger with Generali Česká pojišťovna in 2022, he also served as the Chairman of the Supervisory Board of Generali Poisťovňa, a.s. (Board membership since 2018). Apart from his position as the Vice-Chairman of the Supervisory Board of MONETA Money Bank he currently serves as the Chairman of the Supervisory Board of Generali Česká pojišťovna a.s. (since May 2017), member of the Supervisory Board of Generali zavarovalnica d.d. Slovenia and Director for Institutional Affairs and Chief Economist in Generali CEE Holding B.V. (since January 2017), in which he also became a member of the Executive Committee on 1 January 2018.

Job Titles:

• Member of the Supervisory Board of MONETA Money Bank

Ms. Jana Výbošťoková is a member of the Supervisory Board of MONETA Money Bank elected by employees. Jana Výbošťoková is a graduate of the University of Economics in Bratislava. She has been working in the financial sector since 2005, when she participated as a consultant and project manager in projects in financial institutions in Slovakia and the Czech Republic and in Romania at BRD Groupe Societé Générale. In 2007, she joined Česká spořitelna, where she managed the support of the branch network with a focus on sales efficiency, performance management and process improvement. She joined the original GE Money Bank in autumn 2014 as Senior Manager Customer Experience and Sales Force Effectiveness. At MONETA Money Bank, she now holds the role of Senior Manager Customer Experience and Process Assurance. She is primarily focused on branch network development, front-end processes and customer experience improvement.

Job Titles:

• Member of the Supervisory Board of MONETA Money Bank

Ms. Kateřina Jirásková is member of the Supervisory Board of MONETA Money Bank. After graduating from the University of Economics in Prague, she worked as a securities trader at Conseq and joined PPF Group as a portfolio manager in 2000. For eight years she managed Generali PPF Asset Management, where she was responsible for one of the largest investment portfolios in Central and Eastern Europe. At the same time, she was responsible for the investment performance of 27 Generali PPF holding companies in 14 countries with assets of EUR 15 billion. Effective January 2013, she became CFO of PPF a.s. and currently serves also as a COO of PPF a.s. She also serves as Chairwoman of the Management Board of PPF a.s. and is a member of the Management Board of PPF Financial Holdings a.s. She is also Chairwoman of the Management Board of the PPF Foundation.

Job Titles:

• Member of the Supervisory Board of MONETA Money Bank

Ms. Klára Escobar is a member of the Supervisory Board of MONETA Money Bank elected by employees. Klára Escobar is a graduate of the Faculty of Arts of Palacký University in Olomouc, majoring in Sociology and Andragogy with a focus on Human Resources. She has been working in the field of human resources management for over 17 years. She started her career in recruitment and gradually moved to the role of generalist. She has been in the banking sector since 2010 when she joined the original GE Money Bank as HR Business Partner. In October 2016, she became HR Director at Cetelem and was instrumental in its transformation into the new digital bank Hello bank!. She returned to MONETA Money Bank in January 2020 as Human Resources Director. Since the end of June 2020, she has also been a member of the Management Board of MONETA Stavební Spořitelna, a.s.

Job Titles:

• Director ESG & Communication
• Member of the Supervisory Board of MONETA Money Bank

Ms. Zuzana Filipová is a member of the Supervisory Board of MONETA Money Bank elected by employees. Zuzana Filipová is a graduate of the Jan Amos Komenský University in Prague. Her entire career has been dedicated to public relations, public affairs and media. Ms. Filipová has worked as a parliamentary correspondent for Denní Telegraf, Lidové noviny and Týden magazine, and has also become a representative of the international television station CNN for the Czech Republic. She gained further experience as Director of Public Relations and Communications at the Prague City Hall and was also part of the PR advisory team of the Czech Minister of the Environment. Before joining MONETA Money Bank, she worked as a public affairs and public relations manager at the international law and consulting firm Becker & Poliakoff. She has been with MONETA Money Bank since 2019 and now holds the position of Director Sustainability & Communication.

Job Titles:

• Chairman of the Management Board
• Chief Executive Officer

Tomáš Spurný holds a bachelor's degree from New York University and an MBA from Columbia Business School. He started his career at McKinsey & Company and has extensive experience from executive positions in the banking and financial sector. Serving as CEO or CFO, he worked at major banks and financial companies in Central and Eastern Europe, including the CIB Bank in Hungary, PPF Group, Komerční banka, CCS Czech Republic, and also at VÚB a.s. in Slovakia. Between 2012 and 2015 he served as the CEO of Romania's biggest bank, BCR from Erste Group. Since October 2015, he has been the Chairman of the Management Board and CEO of MONETA Money Bank, a.s. Mr. Spurný is currently also a member of the Supervisory Boards of MONETA Leasing (since November 2015) and MONETA Auto (since May 2016). Since April 2021, he also holds the position of Chairman of the Supervisory Board of the foundation Nadace MONETA Clementia.