Graham FitzGerald

As CEO, reporting to Chairman of the Board, I was mandated to transform and grow business given its legacy issues of, modest franchise, concentrated business model, high risk and poor asset quality, people challenges and leadership change. I was responsible for establishing revised governance structures and executive committees to enhance 3 Lines of Defence. I was responsible for strengthening banks risk management framework by refining corporate governance, embedding top and emerging risk approach while driving enterprise-wide risk visibility and awareness. Key achievements: ◼ Within 90 days, reset banks strategic direction focusing on digital / technology and operational transformation that accelerated transformations, and enabled delivery of NP significantly above plan. ◼ Stabilised leadership structure, reporting, and diversified funding and liquidity strategies, then reorientated and grew BUs, notably Retail. ◼ Created regulatory risk reporting workstream to ensure responsibilities were understood and met. ◼ Reduced credit backlog materially <3 months, enhanced portfolio texture with reduction of non-performing loans, improved portfolio probability of default and liquidity metrics, while enabling significant growth in new business pipeline. ◼ Established banking-as-a-service / BaaS mindset and playbook to leverage and multiply investment, notably / focusing on payments infrastructure.

As President, CEO & BoD Chairman (Savings Bank & Insurance), reporting to Regional Head of International (Asia), I was responsible for performance of HSBC Group, including Global, Commercial, Private & Retail Banking, and functions in Philippines (inc offshoring), with full oversight of P&L, balance sheet, risk, financial crime / AML, credit, legal, security, operations, reputation / market risk, liquidity, regulatory, and resourcing, focusing on ensuring Group standards and compliance. I was expected to drive revenue and profitability growth, by optimising strategic initiatives, driving financial performance, and leading market expansion opportunities. Key achievements: ◼ Repositioned all key businesses, products, real estate footprint and risk agenda to deliver signiticant growth in revenue, and PBT. ◼ Grew strategic trade corridors, led delegation to China / Hong Kong to support ASEAN growth strategy. ◼ Championed and led in-country, and supported regional ESG agenda, by collaborating with WWF, originating, driving and signing 4-year commitment to carbon sequestration. ◼ Improved regulatory risk management and financial crime functionality and capability

As CEO, reporting to Regional Head of International (Asia), responsible for leading and managing M&A transaction to ensure smooth portfolio transfer, while also overseeing people, regulatory, liquidity and operational risk management activities to maintain UK and Brunei regulatory ongoing compliance. I was accountable for managing complex stakeholder relationships, including Regulators and high-profile entities, to facilitate alignment and maintain institutional trust. Key achievements: ◼ Delivered fastest M&A transactions for HSBC Group with portfolio sale to a local bank. ◼ Tactfully managed highly complex and political process that was riddled with difficulty by mitigating key risks associated with a country exit, by directly collaborating with Regulators, individuals and clients. ◼ Ensured all operational losses and risks minimised, successfully achieved a low level of customer complaints.

Responsible for the P&L and Balance sheet growth of the Mid Market Enterprise business in Middle East & North Africa. Commercial banking oversight of Algeria, Bahrain, Kuwait and Lebanon.

International Manager. COO/Chief of Staff role for Commercial Banking across Middle East and North Africa. Implementation of Strategic projects and Operational Risk Management for Commercial Banking.

Regional corporate team, role to drive International connectivity and Corporate Banking activity across Asia Pacific.

International Manager. Transaction management, reviewing large Asia Pacific deals from a capital, balance sheet management perspective.

Managing a small portfolio of large & complex clients

Relationship Manager for key clients. £10M - £25M Turnover. Major focus on Business Development and International business.

UK technical sales to the Marine, Oil & Gas Industry. Secondary duties including regional relationship manager for Iceland Distributor. A UK based, European and Global manufacturer including OEM.

Warfare Officer - Navigation, Warfare and Management role.