Jean-Charles Grimaud

Led strategy development for the retail banking division, reporting directly to the board : • Involved in cost reduction projects (Reorganized the ATM and branch network) that lead to a Reduction of the operating cost of 8% • Worked on various marketing projects (definition of the new client segments; creation of new offers, implementation of Apple Pay etc) • Drove client satisfaction initiatives, contributing to a 20% increase in Net Promoter Score (NPS), resulting in the bank being awarded “Best Client Service” for three consecutive years. Supported the digital innovation team (as Chief of Staff to the head of digital), contributing to the strategic direction and execution of digital initiatives : • Contributed to defining the digital roadmap and budgets, aligning digital strategy with business objectives. • Monitored key digital KPIs, leading to a significant improvement in project performance and delivering monthly updates to senior leadership. Managed digital monthly meetings, ensuring cross-department communication

Led Digital Transformation projects for Retail and Private Banking clients including Indosuez: • Managed a digital transformation project for private banking, successfully integrating a new CRM and KYC tool, reducing client onboarding time by 30%. • Defined and implemented the blueprint for a digital bank’s customer relations centre, optimizing location, process, and HR functions. • Developed and executed strategies for Retail & Corporate Banking clients, including HSBC, Crédit Agricole, Attijariwafa bank and SOCGEN Led analysis of key performance metrics and critical processes (Credit, Risk, Compliance), delivering solutions that improve the existing processes Spearheaded branch network restructuring and cost-reduction initiatives, resulting in a 12% decrease in operational cost and a 20% increase in sales effectiveness. • Drove digital transformation projects, enhancing digital onboarding processes and improving mobile banking features, leading to a 25% increase in customer engagement.

▪ Helped clients resolve fundamental bank-wide strategic issues, along with business unit by analyzing the performance, the critical processes and the resources of company. Also, by conducting external environment analysis to define new area of growth by focusing on new markets to develop ▪ Supported major restructurings, optimizing branch networks, expense reduction, and increasing sales effectiveness ▪ Drove transformations in bank culture, with an eye toward improved execution, sales, and service

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- Participation in domestic and European sell-side and buy-side assignment involving midcap companies - Market and industry analysis - Involved in M&A executions: company profiles/teaser - Assistance in preparation of pitch documents, reports, information memoranda - Companies valuation using DCF and multiples method - Co-ordination / co-operation with other Investment teams across the CEE region