Jose de Ochoa Panisello

European mandate to assist regulators, governments, banks and investors: o Bad bank/SPV structuring and implementation (internal/national/private), asset protection schemes and bank resolution o Non-core assets management and deleverage advisory o Business discontinuation and/or carve-out/split-off advisory: strategic, operational & commercial o Operational and strategic restructuring

o Bad bank and/or resolution scheme advisory and set-up: SAREB, Hellenic Rep. Asset Development Fund, Central Bank of Cyprus, NAMA o Non-core assets management and deleverage advisory o Buy and sell side advisory o Transaction advisory: operational, strategic and commercial DD, carve-out / integration planning, structuring and TSA/SLA negotiations o Strategic and operational assessments and implementation o Financial and operational restructuring

• Manage the balance sheet, liquidity and capital ratios; prop trading (fixed income, FX, equities) • Arrange, structure and direct fixed income, hybrid issues and hedges for institutional clients • Manage the strategic portfolio and two Private Equity funds • Member of the Management Board and Chairman of the Risk, ALCO and PE Committees

• Established, implemented and managed Kaupthing Bank Spain and its three divisions: • Capital Markets and Asset Management Solutions and Institutional Distribution • Corporate banking • Online banking • Due to the collapse and nationalization of the Group, I was mandated for its liquidation.

Mandated to create and lead the Retail & SME Loans Division: • Define, implement and supervise the strategy, budgets, pricing and risk policies • Create, launch and supervise new products and sales channels • Optimize the administration, commercial, risk and monitoring processes • Coordinate and supervise collections and market intelligence activities • Results achieved: + 312% turnover, income 74% above budget

Mandated to restructure, re-launch and lead the Insurance and Pension Fund companies: • Define, implement and supervise the strategy, budgets and MIS • Create and launch new pension, insurance and investment products • Optimize the range of products, administration and commercial processes and resources • Results achieved: income 37% above budget; + 120% division’s P&L; + 20% in AUMs and + 42% in net contributions; penetration rates in line with market best practices

• Manage and develop the online, phone banking and ATM divisions • Implement and manage Barclays Stockbrokers and the Online Financial Advisors dept. • Define, implement and monitor the strategy, budgets, commercial policies and performance • Lead the integration of Banco Zaragozano's online and phone banking businesses

Mandated to restructure the division: • Identify synergies and redundancies, optimize resources and risk management • Asset & liability management, liquidity management and structural hedging • Supervise the Market Risk department • Member of the Executive Committee and Chairman of the Risk and ALCO committees

European Controller & Head of Middle Office for the Treasury and Capital Markets divisions of Spain, France and Greece: • Define, produce and monitor budgets, ALCO and management information • Evaluate, control and supervise market, credit, liquidity and operational risks • Lead the pan European integration team; EURO Project coordinator • Member of the ERBG Risk and ALCO committees

• Portfolio mark-to-marketing, market risk assessments, procedures and resources evaluations, having audited the majority of the Group’s Treasury and Asset Management businesses globally • Due diligences in Colombia, Brazil, Chile, Venezuela, Argentina, Hong Kong and Singapore

• Futures and Options prop trader

Thesis: “Social Security and the Mutual Investment System”.

Thesis: “Risk Management Policies in Financial Institutions”, partially published by La Libre Belgique.