Ramz Hamzaoui

• Cluster delivered consistent revenue growth since 2017 with FY 2023 at $180mm (7% CAGR) despite challenging macro picture.

• Maintained sound credit portfolio with no credit losses.

• Solid safety and soundness record across NA with all internal audit and fundamental credit reviews resulting in satisfactory outcomes and no significant regulatory issues raised.

• Actively managed franchised liquidity and price risk as ALCO Chair (consolidated NA balance sheet $3 Bio).

• Facilitated ascension of local talent to management committee positions.

• Worked closely with global country risk management, enterprise remedial management and regional risk on sovereign ratings/ country watch listings, striking the right balance between risk mitigation and franchise growth.

• Led comprehensive ICAAP exercise for Citi Algeria and supported in Morocco.

• Drove regulatory advocacy in Algeria on FX market reform and launch of FX forwards.

• Drove regulatory engagement across North Africa, communicating Citi's strategy in the countries and aligning with local authorities' agendas.

• Positioned Citi as the leading corporate bank for multinational corporations in North Africa (Euromoney and the Banker top awards on a recurring basis).

• Championed launch of secondary market government securities trading in Algeria.

• Expanded Citi's position as leading foreign bank to Algerian national oil company Sonatrach, supporting their acquisition of a large refinery in Sicily through account and cash management services as well as FX and working capital facilities.

• Obtained credit and compliance approval to trade fixed income and FX with Central Bank of Libya and launch a Libyan Dinar payment product for multinationals.

• Signed off as business senior credit officer (SCO) on government of Algeria and Libya facilities in addition to all top tier local corporate credits in Algeria.

• Board member of Citi Morocco, member of audit and risk committee and head of nomination committee.

• Rebuilt an effective and diverse country management team

• Executed comprehensive safety and soundness enhancement plan.

• Built a strong and efficient regulatory change management process.

• Resolved customer blocked dividend issue.

• Improved regulatory and key customer relationships by addressing legacy issues and through active engagement.

• Managed selection and move to new premises.

• Managed the impacts of swings in oil and gas prices on franchise balance sheet and income statement.

• Implemented restructuring plan involving rationalisation of staff and physical premises & refocus of the business on international commercial banking activities related to Africa.

• Interacted with FSA regarding implementation of the restructuring plan as well as solvency, compliance, and liquidity matters.

• Reduced the bank's loss from £22 million in 2010 to £3.6 million in 2011 while stabilising revenue at circa £20 million.

• Managed the bank's liquidity & preserved portfolio quality in times of heightened market stress.