Ms Josephine Premla Sivaretnam
Non-Independent Director

Josephine Sivaretnam was appointed as a Non- Independent Director of ICB Financial Group Holdings AG since 7 March 2007. A lawyer by profession, Josephine spent her early career in the Malaysian Judicial and Legal Services as a Deputy Public Prosecutor until 1992 when she commenced practice as a lawyer. She is the Chairman of the ICB Banks in Africa and a member of the Nomination Committee and Remuneration Committee of ICB Financial Group Holdings AG. She has been responsible for the strategic mergers and acquisitions within the Group. Josephine is a Director of Kuala Lumpur City Corporation Berhad, a public listed company quoted on the Kuala Lumpur Stock Exchange. She graduated with a LLB (Hons) from the University of Malaya and a LLM from the London School of Economics and Political Science.

Mr René Fritschi
Independent Director

René Fritschi was appointed as an Independent Non-Executive Director of ICB Financial Group Holdings
AG since 20 July 2006. René started his career in 1973 as a trainee at the Handelsbank NW Zurich, Switzerland and in 1978 moved to Manufacturers Hanover Trust Co Zurich, Switzerland. He later worked for Bank Audi in Zurich before joining Fundus Treuhand AG in 1989. René then joined Deutsche Bank in 1994. Since 1998 he has been Chairman of Medio Consult where his experience as a senior bank director in international trade, major commercial banking, private banking, estate planning and asset management has been an advantage. He is also a member of the Nomination and Remuneration Committee of ICB Financial Group Holdings AG. René is a Swiss resident and is fully conversant in English, German and French. He was born in 1948 and is married with two adult daughters. He graduated in economics in 1979. His hobbies include long distance running and cross country skiing. He is familiar with Asia and Africa where he had travelled extensively.

Dr Kenneth Kwami Kwaku
Independent Director

Ken Kwaku was appointed to the Board of ICB Financial Group Holdings AG since 7 March 2007. Ken, who hails from Ghana, speaks English, French, Portuguese and Swahili; holds a PhD from University of Toronto and a First Class in Economics and Political Science from McGill University. He has also attended Harvard’s Graduate School of Business. Since 2004 Ken has been Special Advisor to President MKapa (now retired) of Tanzania, Special Advisor Investment Climate Facility for Africa, Advisor to the Director General UNIDO, Chairman DCDM Africa and Advisor Hifadhi Business Park, East Africa. Ken served with the World Bank Group from 1976 to 2004 and held positions including Chief MIGA Africa Representative 2002 - 2004 and Manager for Africa 1998 - 2002. Between 1995 and 1998, he was seconded from the World Bank Group as Advisor to the Namibian Government. He is also a member of the Nomination and Remuneration Committee of ICB Financial Group Holdings AG.
Ken, who has numerous academic and professional awards and publications, regularly speaks at international conferences.

Mr Paul Robert Philipps Bridges
Independent Director

Paul Bridges was appointed as an Independent Director of ICB Financial Group Holdings AG since
7 March 2007. He is an experienced banker and was with Standard Chartered Bank from 1962 to
1998. He held senior managerial roles in Credit Risk Management and served in East and South East Asia, USA, Middle East and Africa. Paul was also responsible for the Financial Analysis Expert System, the creation of a global database and was actively involved in the global credit reengineering programme. Since retiring from Standard Chartered, Paul has focused on the development and facilitation of programmes on Credit Risk Management, Total Risk Management, Credit Audit, Problem Loan Management, Debt Recovery and Financial Risk Analysis for several banks. Paul’s main expertise is in risk management and he has been a consultant to banks where he has carried out diagnostic studies and training programmes in credit risk and debt recovery. His other projects include management of NPLs, analysis and restructuring of assets. He is married and has two adult daughters.
Paul also speaks Bahasa Indonesia.

Mr Lim Teong Liat
Independent Director

Lim Teong Liat was appointed to the Board of ICB Financial Group Holdings AG since 18 December 2007. He is a Fellow member of The Institute Of Chartered Accountants in England and Wales. Mr Lim started his banking career in 1986 as a Management Accountant at Standard Chartered Bank, Malaysia, working his way up to senior management roles in Internal Control and Audit. He later worked from 1994 to 2001 for the Hong Leong Banking Group, a Malaysian bank as General Manager Operations and subsequently General Manager Consumer Division. He was then appointed as Independent Director of Alliance Bank Berhad, Malaysia from 2004 to 2006 where he also served as a member of Risk Management and Audit Committee. Mr Lim is also presently a member of the Board of Commissioners of PT Bank Bumiputera, Indonesia.