Davda Digeshkumar Bharatkumar Membership no. 114139 CA Professional Achiever Head - Management Control & Asset Liability Management– Credit Agricole Corporate & Investment Bank

Turnover (Sales) of the Company in Rupees: 7,158,258,000 Net worth of the Company: 17,374,626,000 Market Capitalization of the Organization: NA Digesh works at Credit Agricole Corporate & Investment Bank’s Mumbai branch. In India, the bank has 5 branches and the Head Office is situated in Paris, France.

KEY ROLE IN THE ORGANIZATION Reporting to the CFO, responsible for the Annual Budget, Forecast, HO Mgmt Results Reporting, Analytical Performance Reviews, Front Office vs. Accounting P&L Reconciliation & various Management Control reports for Local Mgmt (Chief Operating Officer / Senior Country Officer) & Head Office purposes. Monitoring Compliance with Local & HO Asset Liability Management (ALM) norms, organizing ALCO & presenting to members, RBI Regulatory Reporting, Liquidity Stress testing, Capital Adequacy Ratio monitoring, Segment Accounting & Finance Project Mgmt.

MAJOR ACHIEVEMENTS A Chartered Accountant with more than 13 years of working experience (over 10 years post qualification) with demonstrated success delivering exceptional performance whilst working with some of the international top accounting firms (2 of the Big 4’s) & culturally diverse global banks that includes American, British, Singaporean, Swiss & presently a French bank. Worked in Singapore for over 6 years (2005 - 2011). Successfully managed challenges in Financial Control (includes Legal Entity reporting, Regulatory reporting & MIS reporting), Product Control, Operations Control / Risk Mgmt, Project Mgmt, Change Mgmt, Business Mgmt, Regulatory Mgmt, Sarbanes Oxley - SOX Governance, Audit (internal & statutory), Mgmt Control & Asset Liability Mgmt (ALM). In his career, Digesh has focused on learning and developing varied skill sets by opting to move to different areas & functions of the banking industry. In the process, he also got a chance to work with culturally diverse set of foreign banks that includes JP Morgan Chase, Barclays, Development Bank of Singapore, Credit Suisse & Credit Agricole. Prior to working in the banking industry, Digesh also worked at Ernst & Young (E&Y) and Price Waterhouse Coopers (PwC). After working with E&Y & PwC (1999-2003); Digesh moved on to the Banking industry & started with legal entity reporting function for Sydney Branch of JP Morgan Chase (2003-05). He then moved onto work in the Business Mgmt team handling Control Self Assessments, Internal Audit, IT Risk Mgmt & SOX implementation for Mumbai Finance. In Jan 2005, Digesh moved to Singapore for 6 years and worked with Barclays (Mgmt reporting for UK/US CFO’s, Legal Vs MIS recon project lead), followed by a Project Mgmt role with Development Bank of Singapore from 2006 to 2008 under the Valuation & Product Control Group, responsible as a Lead for the P&L reconciliation process integration & enhancement project called I-Rec (Integrated Reconciliation), a common platform for product line controllers to perform P&L reconciliation apart from being an overseas lead involved in development, testing and roll-out of the P&L reconciliation tool from the Head office in Singapore to other offices in the region - Mumbai, Jakarta, Seoul & HK. In his role at Credit Suisse, Singapore (2009-2011) Digesh was responsible for roll-out of Global Governance and Risk Mgmt/Control Frameworks for areas such as Regulatory Reporting covering 700 transaction reports across Asia, SOX – 404 Compliance, Operational Risk Incidents Mgmt, Account Ownership Sign Off, Process Control Risk Assessments including End to End Process Reviews apart from facilitating Control Trainings & Workshops on various Control Competencies & Risk Management topics. Digesh has worked with some very senior management across the globe & has demonstrated excellent influencing & communication skills, balanced critical thinking, strong problem solving & trouble shooting skills accompanied with entrepreneurial attitude & turnaround ability all through his journey.

MAJOR ACHIEVEMENTS Digesh is a great example of demonstrating to the world that a CA has diverse skill sets that can be applied across different functions. He has successfully managed challenges in diverse areas and has worked in India, Singapore & briefly in Australia. Digesh is also a student and a teacher of Raja Yoga meditation which is taught by the Brahma Kumaris World Spiritual University (BKWSU), an acclaimed international organization working at all levels of society for positive change. BKWSU is a NGO in general consultative status with the Economic and Social Council of the UN and in consultative status with UNICEF. All its courses are provided free of cost as a service to the society. In the year 2006, Digesh was accredited by Oxford Leadership Academy as a facilitator for its Self Managing Leadership courses. To further his interest in training & facilitation, he underwent several professional trainings in Singapore (between 2005-2011) which most notably includes: The 7 Habits of Highly Effective People – Signature Program by Franklin Covey, Critical Thinking & Reasoning, Neuro-Linguistic Programming, Creativity at Work - Whole Brain Thinking, The Leadership Challenge by Kouzes Posner, Crucial Conversations, Think On Your Feet & Competency Based Interviewing. Apart from his working experience, Digesh also has experience in training people on Rajayoga Meditation & various Self Development / Empowerment courses like Self Management, Positive Thinking, Stress Management, Personality Transformation, Lifestyle Management etc. He makes his talks interesting with lots of workshops, self-reflection & sharing sessions. He has trained several people in India, Singapore, Malaysia and Sri Lanka benefiting larger sections of the global society. In the year 2010, Digesh led the “Link of Love” community youth project under the Young Change Makers (YCM) Grant Scheme approved by the National Youth Council (NYC) of Singapore & the Singapore Youth Olympic Games Organising Committee (SYOGOC) as part of the 1st Youth Olympics. He managed a team of 20 youth volunteers and facilitated value based interactive workshops reaching out to hundreds of youths in Singapore.