Valeta Mthimkhulu

• Expanded market share to 28% in 2019, 29% in 2021, 29% in 2022, 29% in 2022 by implementing targeted customer segmentation and acquisition strategies, resulting in an increase in net profit margin YOY from 14% to 18% • Retained position as the 2nd largest Retail Bank in Botswana with 31% and 26% market share in Net interest income and non-funded income respectively. • Earned recognition as the Market Leader with a 27% market share in assets balance sheet and 22% in deposits balance sheet amongst all banks through robust banking portfolio management and asset-liability optimisation. • Improved Customer Experience Index by implementing targeted initiatives by 28% YOY from 84.9 in 2022 to 109 in 2023, achieving a client experience composite score ahead of target. • Managed and reviewed balance sheet footings of more than $1B and annual revenues of over $80M while leading a high-performing team of over 550 FTEs and enhancing operational efficiency. • Directed strategic planning, management, and oversight of Retail Business, with current business unit contributing to 57% of total bank revenues, driving significant business growth. • Spearheaded both local and regional market acquisitions across Absa businesses in Africa, amplifying customer deposits from 2% in FY2021 to 14% HY2024 and deposit market share from 20% to ~30%. • Acted as a business leader, surpassing Headline earnings by 161% in 2021 and return targets, along with exceeding both annual and medium-term ROE (Return on Equity) and ROA (Return on Assets) objectives. • Secured high YOY customer satisfaction scores through strategic enhancements in CRM systems and service delivery. • Steered the development and implementation of 5+ Fintech innovations and strategic partnerships, resulting in significant growth in digital banking transactions. • Managed a diverse client portfolio, creating high-value individual accounts and expanding overall portfolio value.

• Completed the mandate for the Retail and Business Banking division, maintaining robust business performance with a balance sheet of $100M, resulting in 16% increase in net income and 10% growth in banking portfolio. • Spearheaded digital banking initiatives that optimised mobile banking adoption by 90% and generated 100% rise in digital transaction volumes, enhancing customer engagement and convenience. • Boosted annual retail banking sales revenue by 20% through strategic partnerships and expanded product offerings tailored to customer needs and annual business banking objectives. • Directed a team of 350 (both direct and indirect reports) in Zimbabwe, executing innovative strategies and driving continuous improvements that led to a 95% digital adoption in Zimbabwe. • Led turnaround strategy for the bank, reducing physical channels from by 20% and headcount by 34% whilst still achieving client growth and improving profitability.

• Led strategic planning and direction across Retail Banking, Marketing, Corporate Affairs, and Customer Service, while overseeing a team of 300 professionals and managing a $500M balance sheet footing. • Developed and expanded banking portfolio of over 100,000 customers, identifying and capitalising on new market opportunities and forging strategic alliances, which led to $40M increase in assets and 30% boost in annual revenue in 2017. • Directed the development and launch of innovative financial products and services aligned with customer requirements and market trends, contributing to 16% increase in deposit growth and 30% improvement in cross-selling rates. • Acted as the Corporate and Business Banking representative for the local and regional market, cultivating a robust network of over 100 key business relationships locally and regionally and growing market share by 10%.

• Championed Barclays' Brand and Reputation across Zambia, Botswana, and Zimbabwe, leading a team of 15 Corporate Affairs and Marketing professionals to exceed regional strategic goals and maximise revenue growth. • Provided strategic direction and support to the Heads of Corporate Affairs in Botswana and Zambia while serving as Head of Corporate Affairs for Zimbabwe, enhancing cross-border communication and driving operational efficiency. • Built and led an integrated virtual team, delivering strategic advisory across Southern Africa to optimise corporate affairs strategy that improved regional stakeholder engagement and profitability.

• Established the Head of Corporate Affairs role as a strategic position in the organisation, leading a team of three to implement brand strategy across Zimbabwe and the UK, resulting in 15% increase in market share growth, and 30% in share of voice. • Directed marketing and corporate affairs initiatives, including research, brand management, advertising, public relations, merchandising, and stakeholder engagement, enhancing brand recognition, client relations. • Established the bank’s first 24/7 inbound contact centre with an FTE of 20 agents. • Participated in country management committee, providing leadership consultation in the areas of corporate branding and identity, internal/external communications, corporate social responsibility, public policy, and crisis management.

• Earlier Experience as Head of Projects and Programme Management / Country Portfolio Manager / Regional Retail Channel Manager / Retail Project Manager for Barclays Bank Zimbabwe