Mag. Igor Jarc

responsible for credit risk analysis, NPL, monitoring, technology and IT

retrieved approval by Croatian regulator (HANFA) in September 2016

• responsible for IT, finance, accounting, controlling, risk management and compliance • project team member in the start-up activities along with investors from Italy (business plan preparation, clarifications to the Slovene Insurance supervision agency regarding licence application …) • implemented IT and network/communications infrastructure (HW servers, data lines, telephony) as project manager • implemented application SW for Slovene portfolio (project manager)

• sales and financial supervision of 2 daughter companies (Pro Kolekt d.o.o., Prvi Faktor d.o.o.) • proposal for bank's management board on Pro Kolekt (restructuring of operations, company sale) • daughter companies sales process (project manager of Pro Kolekt sale, cooperation in the sale of Prvi Faktor) • Pro Kolekt was successfully sold to one of the bidders

• internal rulebooks update • coordination and supervision of security check-ups; implementation of internal audit recommendations (identity management etc.) • cooperation in disaster recovery test run, updates to business continuity plan • audit trail reviews for several bank SW applications, audit trail implementation for 1 bank SW application • identity management SW for critical bank SW applications (process definition, project management of SW implementation, SW functional requirements, SW testing)

Regional director, P&L responsibility in Czech, Slovakia, Slovenia, Croatia, Bosnia, Serbia, Kosovo, Albania and Macedonia (220 FTEs as direct and indirect reports) * increased revenue for 9% in 2013 vs. 2012, keeping profit on the same level as in 2012 (also through oper. cost reduction) * managed start of operations in Czech in 2013 (450k EUR revenue with positive operating profit) * did decision-making in big international tenders for ATMs and POSs (Intesa, Raiffeisen, Unicredit, Erste)

responsible for sales, product development, actuaries and IT (100 FTEs as direct/indirect reports) * reduction of IT costs for 0,9 mio EUR ie. for 25% p.a. (scope reduction, vendor negotiation, transfer to internal employees) * reduction of marketing costs for approx. 50% while keeping the revenue above plan * coordination of product development (5 new products) * e-voting project sponsor for new representative assembly * trade union negotiations * preparation of lawsuits against previous management

* promotion of S&T ((leading IT provider in Slovenia, of S&T group) products (core banking system, add-on application, HW etc.) and services (security, outsourcing etc.) to Slovene banks where S&T footprint was scarce or non-existent incl. preparation of account plans for certain banks (based on financial analysis, among others) * business development of small company (POS software development area), financial consultancy incl. lecturing (working capital and cash-flow optimisations)

in ZIS Zagreb d.o.o.; 2008-2009 * crisis mngt incl. SW vendor change in Hypo Alpe-Adria-Bank Ljubljana d.d. for Transaction banking, Logistics, Compliance, Risk Management and ORG/IT (100 FTEs as direct/indirect reports); 2005-2008 * resp. for several million EUR budgets in IT, branches and projects * project sponsor of Euro introduction, Support processes optimisation, Workflow support SW for Corporate loans, Branch expansion, Basel2, Datawarehouse for sales controlling, Profit analysis

resp. for Payments, Back office Treasury/Custody/Securities, El. banking, Cards, IT, Organisation, Technical services, IT Security officer (65 FTEs as direct/indirect reports); 2001-2005 * resp. for several million EUR budgets in IT, IT projects and branches * projects: Euro impl. – manager, Upg. of core banking SW – sponsor, Branch expansion – steering, CRM - SW solution selection leader, Reorganisation of Payments dept. - sponsor Head of IT dept.; 1999-2001 System engineer in IT dept.; 1993-1999