Ioannis Kitixis

Responsible for the development of Acquiring Business through new merchant acquisition andcaltivation of existing merchant relationship. Responsible for the development of Annual Business Plan, close monitoring of sales volumes and profitability for the realization of plan. Representation of the bank in meetings with Card Schemes ( Visa, Mastercard, China Union Pay) for planning of promotions, dezining of campaigns and introduction of new initiatives to the market Ative management of vendors and external partners for the promotion of cobrand card schemes

•Overall responsibility for the Banks Mortgage, Consumer lending portfolios and Card business in N. Greece region •Responsible for building and Cultivating banking relationships with Individual Banking clients •Participation in planning, executing commercial strategy and coordinating sales activities through Banks network and alternative sales channels •Responsible of market shares in product lines and attraction of new IB clients •Received Employees continuity excellence award in 2015 •Member of IB ExCo and Commercial strategy committee Achieved the following: 1st place position in Mortgage lending (6th consecutive year, 40% market share) and Auto loans new production (33% market share) Increased POS Acquiring turnover 40-50% yoy and double in 2016 Launched an innovative co-brand Masoutis Visa with loyalty and reward scheme ◊ successfully completed the “EUROBANK – ALBA Leadership Development Program“

Responsible for the implementation of Household Lending business plan in N.Greece for the following products : Credit Cards, Auto, Consumer and Mortgage through various channels of distribution.

Managed a Billion € Mortgage loan Portfolio •Responsible for the strategic planning, organization and overall control of the activities of the Mortgage Lending Division •Responsible for the business target achievement •Responsible for the creation, launch and management of the Mortgage lending products and distribution channels •Member of the following committees : ExCo, CCC, ALCO, Risk Delivered the following results: 2009, 40m bottom line, 90+ 1% 2010, 36m bottom line, 90+ 2.5%

Managed proactively the mortgage flow of the following distribution channels: District of Thessalia, External Networks and Open 24 unit •Ensured the realization of business units goals and strategies •Monitored the achievement of annual business plan •Managed and coached mortgage lending staff on daily basis, shared my knowledge and way of thinking to maximize their productivity Achieved the following: LA Gain of 281M € for 2006. 39% of total N. Greece budget. (687M) LA Gain of 295M € for 2007. 43% of total N. Greece budget. (712M) ◊ Attended seminar “Negotiations“ by Bruce Money

North Greece External Networks •Developed alternative distribution channels for the sales of mortgage loans •Trained and supported them to achieve unit goals and budget •Organized , managed and motivated a team of 8 staff and 75 external networks producing the following results: 47M LA Gain in 2004, 127% vs budget 92M LA Gain in 2005, 153% vs budget 75M LA Gain up to 8/06, 152% vs YTD budget

Managed 21 Branch offices and 132 account officers, growing 200M $ in mortgages annually. •Responsible for recruiting , training and promoting Branch Managers in the District •Responsible for 3 annual visits per branch, 2 were sales visits for realization of growth achievement and 1 was comprehensive, including sales and compliance with company and Federal laws •Held monthly meeting with Branch Managers to review individual branch and district results from prior month and set new goals/budget for the current month •Member of a team responsible for implementing Windows 98 on our existing company system ◊ Attended seminar “Managers at all levels “

Managed 12 Branch offices and 65 account officers, growing 170% of budget •Member of a team responsible for implementation of ALP (automatic loan repayment) on VISION ( co. system) •Recognized as Top performer for being the 2nd best District/Area within the company (awarded 1000 Household stock ) ◊ Attended seminar “Hiring the right people”

Managed branch of 26 million $ outstanding, grew 200% monthly and 210% annualized •Responsible for the growth and compliance of the branch •Received 2 awards in 1998, Top Manager and well balanced branch •Awarded 300 Household stock

Managed a full Branch operation of 18 million $ outstanding and 8 employees. Grew 155% annually •Responsible for credit approvals of Consumer and Mortgage loans up to $100,000 •Collected delinquent accounts 30,60 and 90 days past due

Managed a Branch of 12 million $ outstanding. Accomplished 144% growth my first year as manager •Responsible for credit approval of consumer loans up to $15,000 •Received my Insurance license to sell Life, Property & Casualty Insurance in 1994

Recruited out of college and entered in Beneficial Mortgage Corporation Management Trainee program. Promoted to Manager in 16 months; Taught seminars to Division employees