Edition:
United Kingdom

CYBG PLC (CYBGC.L)

CYBGC.L on London Stock Exchange

306.20GBp
15 Jun 2018
Change (% chg)

-- (--)
Prev Close
306.20
Open
--
Day's High
--
Day's Low
--
Volume
--
Avg. Vol
2,033,756
52-wk High
341.60
52-wk Low
264.60

Summary

Name Age Since Current Position

James Pettigrew

59 2014 Non-Executive Chairman of the Board

David Duffy

53 2015 Group Chief Executive Officer, Executive Director

David Bennett

2017 Non-Executive Deputy Chairman of the Board, Senior Non-Executive Independent Director

Ian Smith

2014 Chief Financial Officer, Executive Director

Debbie Crosbie

Chief Operating Officer, Executive Director

Mark Thundercliffe

2016 Group Chief Risk Officer

James Peirson

37 2014 Group General Counsel

Kate Guthrie

2016 Group Human Resources Director

Enda Johnson

2017 Group Corporate Development Director

Fergus Murphy

2016 Group Customer Value Director

Gavin Opperman

Group Customer Banking Director

Helen Page

2017 Group Innovation and Marketing Director

Lorna McMillan

Company Secretary

Clive Adamson

61 2016 Non-Executive Independent Director

David Browne

Non-Executive Independent Director

Paul Coby

2016 Non-Executive Independent Director

Adrian Grace

55 2014 Non-Executive Independent Director

Fiona MacLeod

2016 Independent Non-Executive Director

Teresa Robson-Capps

2014 Non-Executive Independent Director

Timothy Wade

2016 Independent Non-Executive Director

Biographies

Name Description

James Pettigrew

Mr. James (Jim) Pettigrew is Non-Executive Chairman of the Board of the Company. He has over 30 years’ experience in business and finance gained from executive and senior positions principally within financial services. Jim was formerly Chief Executive Officer at CMC Markets PLC, Chief Operating Officer at Ashmore Group PLC, Group Finance Director at ICAP PLC and Deputy Group Finance Director and Group Treasurer at Sedgwick Group PLC. He is a chartered accountant and has extensive Non-Executive Director experience in a listed environment. He was previously Non-Executive Director at Aberdeen Asset Management PLC, Non-Executive Director at AON UK Limited and Non-Executive Director at Hermes Fund Managers Limited. He is the immediate past President of the Institute of Chartered Accountants of Scotland. His breadth of experience, credibility with key stakeholders and strong leadership qualities make him an effective Chairman. He serves as Chairman of The Edinburgh Investment Trust PLC; Senior Independent Non- Executive Director of Crest Nicholson Holdings PLC; Senior Independent Non-Executive Director of Rathbone Brothers Plc and Rathbone Investment Management Limited (part of the Rathbone Brothers Plc group); Chairman of RBC Europe Limited, BlueBay Asset Management (Services) Ltd and BlueBay Asset Management LLP (members of the RBC Group); Chairman of Scottish Financial Enterprise; and Co-Chair of the Financial Services Advisory Board.

David Duffy

Mr. David J. Duffy is Group Chief Executive Officer, Executive Director of the Company. David has significant international finance and banking experience gained from a career spanning almost three decades. David’s proven ability to build and transform businesses and lead strong management teams brings significant value to all of the Group’s stakeholders. Prior to joining the Group, David was Chief Executive Officer at Allied Irish Banks plc, one of the largest retail and commercial banks in Ireland. He was a former Chief Executive Officer of Standard Bank International with responsibility for operations in the UK, Europe, Latin America and Asia. He was also previously Head of Global Wholesale Banking Network with ING Group and President and Chief Executive Officer of the ING wholesale franchises in the United States and Latin America. David is a past President of the Banking and Payments Federation of Ireland and a past Director of the European Banking Federation. David’s broad-based skills, leadership, energy and strategic vision are invaluable to the Group as it continues its strategic journey and cultural transformation. He is Non-Executive Director of NewTA Limited trading as UK Finance, the industry body representing leading firms providing finance, banking, markets and payments-related services in or from the UK.

David Bennett

Mr. David Bennett is Non-Executive Deputy Chairman of the Board, Senior Non-Executive Independent Director of the Company, since 11 January 2017. David has significant experience in retail banking gained from a career spanning more than 30 years and including executive and senior roles in both the UK and internationally. David was Group Finance Director of Alliance & Leicester plc for six years before becoming its Group Chief Executive. Following the acquisition of Alliance & Leicester plc by Banco Santander he was appointed Executive Director on the Board of Abbey National plc. His in-depth experience of retail banking and involvement in organisational, operational and structural change is invaluable as we execute our Group strategy. He has significant Non-Executive Director experience in a listed environment which has included being a Non-Executive Director of Bank of Ireland (UK) PLC, Non-Executive Director of easyJet plc, and Non- Executive Director of CMC Markets PLC. He serves as Non-Executive Director of Ashmore Group plc, PayPal (Europe) S.a.r.l et Cie, S.C.A; Chairman of Homeserve Membership Ltd.; and Non-Executive Director of various companies within the Together Financial Services Limited group.

Ian Smith

Mr. Ian Smith is Chief Financial Officer, Executive Director of the Company. Ian has considerable experience in finance, audit and advising on bank strategy from a corporate transaction perspective gained from a career spanning more than 20 years. He has held senior finance roles in HBOS plc and Lloyds Banking Group plc and has provided advice to boards considering significant corporate transactions. He joined the Group in November 2014 from Deloitte LLP where he was a partner specialising in financial services. He is Non-Executive Director of 67 Pall Mall Limited.

Debbie Crosbie

Ms. Debbie Crosbie is Chief Operating Officer, Executive Director of the Company. Debbie has broad experience and knowledge gained over 20 years in the banking sector, particularly around information technology, complex project delivery, material outsourcing and strategy and planning. She has significant experience at a senior management level and is a strong advocate for customers and improving the customer experience by driving a change and transformation journey which has the customer as its core focus. Since joining the Group in 1997 Debbie has held a variety of positions including Head of Technology Governance, Head of Strategic Projects and Head of the Group’s Development Centre. She was Chief Information Officer from 2008 to 2011, she became Operations and IT Director in 2011, was appointed Executive Director in 2014 and Chief Operating Officer in 2015. Debbie was Acting Chief Executive Officer from February 2015 to June 2015 and during this period led the preparation for the Group’s demerger and IPO and was part of the management team which completed the transaction. She was previously a Non-Executive Director of the Scottish Court Service and is a Fellow of the Chartered Institute of Bankers. She is Vice-Chair of the Board of CBI Scotland and member of the Board of Glasgow Economic Leadership.

Mark Thundercliffe

Mr. Mark Thundercliffe is Group Chief Risk Officer of the Company. Mark is responsible for the management of significant risks and opportunities across the Group, including strategic, reputational, operational, financial, credit and regulatory. He has over 29 years’ international retail and business banking experience. Mark was previously Chief Risk Officer at HSBC, responsible for management and oversight of risk for HSBC’s Retail Banking and Wealth Management business across the UK, Europe, the Middle East and Africa. Mark has also held a number of senior international positions in financial services firms up to Chief Executive Officer and Executive Director level.

James Peirson

Mr. James Peirson is Group General Counsel of the Company. James has responsibility for leading the Group’s legal and governance strategy. He joined NAB in 2005, where he led the NAB London Branch legal team. James also held roles supporting NAB and Clydesdale Bank PLC Treasury activities as part of NAB’s capital and funding legal team in both Melbourne and London. Prior to joining NAB he worked in private legal practice at Hogan Lovells International LLP.

Kate Guthrie

Ms. Kate Guthrie is Group Human Resources Director of the Company. Kate has responsibility for human resources and internal communications, focusing on talent and leadership development, colleague engagement and culture. She has over 30 years’ domestic and international HR experience, having worked in six different blue chip organisations in four industrial sectors, including financial services. Prior to joining the Group, Kate spent a decade with Lloyds Banking Group plc where she was latterly the HR Director responsible for leading the group culture, capability and engagement.

Enda Johnson

Mr. Enda Johnson is Group Corporate Development Director of the Company. Enda has responsibility for the Group’s strategic development, corporate affairs and investor relations. He has over 14 years’ experience in financial services and before joining the Group he worked at Allied Irish Banks plc as Head of Corporate Affairs and Strategy and was a member of the Executive Leadership Team. Enda previously worked in the banking unit of the Irish National Treasury Management Agency (NTMA), where he worked on the recapitalisation and restructure of Irish banks following the global financial crisis. Before the NTMA he worked internationally with Merrill Lynch in its investment banking and capital markets divisions.

Fergus Murphy

Mr. Fergus Murphy is Group Customer Value Director of the Company. Fergus has responsibility for the delivery of the Group’s product suite, including pricing, propositions, customer liability strategy, capital allocation and product development. He has over 20 years’ experience in financial services gained from Allied Irish Banks plc, Rabobank Group, BNP Paribas Group and KBC Bank Ireland plc. At Allied Irish Banks plc, he held roles including Director of Products and Capital Markets and latterly, Director of Corporate and Institutional Banking. During his tenure with AIB, he redesigned the customer product offering to better meet customers’ needs and led the rebuilding of AIB’s operating model. He is a former CEO of Rabobank Asia and was responsible for the overall strategy and performance of Rabobank in the region.

Gavin Opperman

Mr. Gavin R. Opperman is Group Customer Banking Director of the Company. Gavin has responsibility for developing and leading the Group’s customer banking strategy. He is a senior executive with over 30 years of banking experience in leadership, risk, operations and customer facing roles across retail, commercial, corporate and investment banking and within a wide range of geographies. Gavin has experience of different levels of complexity, market and team dynamics. He was previously Regional Head of Consumer Banking for Standard Chartered plc, based in China, and prior to that held a number of senior positions in a career spanning 20 years with Barclays Group including being Chief Executive Officer of Absa Bank Limited, a subsidiary of Barclay’s Africa Group.

Helen Page

Ms. Helen Page is Propositions & Marketing Director of the Company. Helen has responsibility for the Group’s marketing and customer innovation strategy. She has over 25 years’ experience in marketing, product and customer innovation and brand strategy, principally within the financial services industry. Helen spent eight years at Royal Bank of Scotland Group plc in a number of roles and was latterly Managing Director for Marketing and Innovation, with responsibility for all UK brands across the Retail, Commercial and Corporate divisions. Helen was previously Head of Brand Marketing at Argos (part of the Home Retail Group plc) and prior to Argos, held a number of product and marketing roles at Abbey National plc (now Santander) where she became Head of Marketing.

Lorna McMillan

Ms. Lorna McMillan is Company Secretary of the Company. Lorna has responsibility for supporting the Chairman and the Board, as well as leading the delivery of shareholder services. She has over 20 years’ experience gained from various roles in the Group across retail and business banking, wholesale banking, risk management and legal and governance areas. Lorna was appointed Company Secretary in October 2014 and led the corporate governance preparation for the Group’s demerger and IPO during 2016.

Clive Adamson

Mr. Clive Adamson is Non-Executive Independent Director of the Company, since 1 July 2016. Clive has considerable experience of UK and global economic, banking and regulatory matters gained from an extensive career in banking and financial services regulation. He held senior executive and advisory positions with the FCA, the former Financial Services Authority and the BoE. He was previously Head of Supervision and an Executive Director of the Board of the FCA until May 2015. His strong understanding of the UK and global banking industry and related risks is invaluable to the Board. He is Chairman at JP Morgan International Bank Limited; Non-Executive Director of The Prudential Assurance Company Limited; Non-Executive Director at Ashmore Group plc; and senior adviser at McKinsey & Company.

David Browne

Mr. David Browne is no longer Non-Executive Independent Director of the Company effective 30 June 2018. David has over 30 years’ experience in debt capital markets, treasury and investor relations. He was previously Head of Group Funding and External Relations at Man Group PLC and spent a significant part of his career at JP Morgan where he held the positions of Assistant Vice President, Vice President and Managing Director. David is a founding partner of Pinnacle Partners Limited, a treasury consulting firm. He is Director of Pinnacle Partners Limited and Trustee and Director of London Youth Rowing Limited.

Paul Coby

Mr. Paul Coby is Non-Executive Independent Director of the Company, since 1 June 2016. Paul is an accomplished IT professional with significant e-commerce, international and technology experience. In particular his understanding of how technology has changed consumer behaviour, how advances in digital technology can impact customer outcomes and his appreciation of the end-to-end customer journey in a strategic omni-channel context is invaluable to the Group as we develop new products and digital capability. Paul is the John Lewis Partnership’s Chief Information Officer (CIO), responsible for leading and coordinating IT across the John Lewis, Waitrose and JLP Group. Prior to his CIO role, Paul was IT Director at John Lewis and previously CIO at British Airways for 10 years. Paul’s previous roles include Non-Executive Chairman of the Societe Internationale de Telecommunications Aeronautiques (SITA), the global provider of systems, solutions and telecommunications to the air transport industry, Non-Executive Director at Pets at Home Group PLC and at P&O Ferries Limited, Chairman of the eSkills UK CIO Board and Chairman of the oneworld CIO Group which coordinated IT links across the 10 airline oneworld Alliance partners. He is CIO of the John Lewis Partnership.

Adrian Grace

Mr. Adrian Grace is Non-Executive Independent Director of the Company. Adrian has extensive financial, business leadership and general management experience gained from a career which has spanned a range of consumer and commercial financial services sectors and involved a variety of senior roles. Adrian’s experience of designing and implementing substantial change programmes and delivering transformational growth through simple customer focused visions and plans is aligned to the Group’s strategy. Having started his career with the Leeds Permanent Building Society and then Mercantile Credit, Adrian joined GE Capital where he spent time in the UK, Asia, and the Americas. He became Managing Director of the Small Business Division at Sage Group plc. He was Chief Executive at Barclays Insurance and Managing Director of Commercial Banking within the Corporate Division of HBOS. Since 2011 Adrian has been Chief Executive Officer at Aegon UK having joined Aegon in 2009 as Group Business Development Director. He was previously on the boards of the Association of British Insurers and Scottish Financial Enterprise. He is Director of various companies within the Aegon Group and a member of the FCA Practitioner Panel representing the life and pensions sector.

Fiona MacLeod

Ms. Fiona MacLeod is an Independent Non-Executive Director of the Company. Fiona has over 28 years’ international business experience in leading complex, large-scale business transformation and in managing the commercial, human resources and cultural aspects of change programmes. A substantial part of her career was at BP Group plc where she held various executive positions including latterly the role of President Retail, USA & Latin America. Fiona’s deep experience of operational business leadership, of transforming businesses and in understanding and managing the organisational design and people impacts of business change are invaluable to the Group as we focus on building a high performing, customer centric organisation and continue our cultural transformation. Fiona’s experience of running retail businesses serving millions of customers per day is also of particular relevance. Fiona was formerly Senior Independent Non-Executive Director of SThree plc. She is Non-Executive Director of Denholm Oilfield Services Limited.

Teresa Robson-Capps

Dr. Teresa Robson-Capps is Non-Executive Independent Director of the Company. Teresa has extensive financial, customer service and general management experience from across a range of industries including telecommunications, financial services and retail. She is a chartered management accountant and has a Doctorate in Accounting and Management Control. Teresa has a breadth of experience gained from executive leadership roles with BT Mobile, Sears plc, Eagle Star/Zurich Financial Services, Cable & Wireless, Reality & Accenture. She joined HSBC Group in 2006 and from 2010 was Deputy Head, Direct Bank & First Direct. Teresa also has strong board experience gained from her previous roles as Chairman of ACS Clothing Group Limited and Non Executive Director of Broker Network Holdings Limited, Paymentshield Group Holdings Limited, PowerPlace Insurance Services Limited and Towergate Insurance Limited. She is Non-Executive Director of Hastings Group Holdings PLC and Non-Executive Director of Yorkshire Water Services Limited.

Timothy Wade

Mr. Timothy (Tim) Wade is an Independent Non-Executive Director of the Company. Tim has over 20 years’ senior experience in retail financial services, including retail banking in both the UK and internationally. An Australian national, he is an experienced Chief Financial Officer, a chartered accountant and a Fellow of the Institute of Chartered Accountants of Australia. Tim was Managing Director at AMP International, responsible for AMP Bank and the Virgin Direct (now Virgin Money) joint venture. He began his career at Arthur Andersen working in Melbourne and Singapore, and in 1994 he joined Colonial Limited, the mutual financial services group, as Chief Taxation Counsel. He became Group Chief Financial Officer in 1997 and Executive Director of State Bank of NSW. Tim subsequently oversaw the IPO of Colonial and was involved in Colonial’s subsequent acquisition by Commonwealth Bank – at the time the largest acquisition in Australian corporate history. His previous Non-Executive Director board experience includes Friends Life Group Limited and Monitise plc. He is Chairman at Macquarie Bank International Limited; Non-Executive Director of companies within the Chubb European Group Limited and The Access Bank UK Limited groups; and Non-Executive Director of The Coeliac UK Trading Company Limited.