Leadership

Our board members and senior executives bring a wealth of experience and their vision for future of financial services

Engin Çubukçu

CEO & Chairperson

Engin Çubukçu

CEO & Chairperson

Engin Çubukçu was a financial services partner at PwC Türkiye and worked for PwC for 17 years, leading various projects for major banking and financial institution clients. Engin has also been an investor in various start-up companies and had taken advisory roles in a number of fintech companies before joining Trive.

As Trive’s CEO, he leads and is responsible for defining and implementing the group’s strategy and vision, including the brand’s dedication to progression.

Özer Burhan

Board Member | Group Chief Financial Officer

Özer Burhan

Board Member | Group Chief Financial Officer

Özer Burhan has over 15 years of finance experience. In his current role, Özer oversees the individual country CFOs. He is responsible for executing all finance-related activities and oversees the financial performance and strategies of the group.

Özer started his professional career at Ericsson and subsequently took on roles at various pioneering companies. Between 2005 and 2009, he worked at PricewaterhouseCoopers as an auditor. In 2009, he joined Turkcell, where he held senior management positions for more than 5 years.

Prior to joining Trive, he worked as Senior Director, Chief Financial Officer and member of the Board of Directors respectively at Aktif Bank between 2014 and 2020.

Özer holds a BS degree in Economics from Boğaziçi University.

Ozan Eryavuz

Managing Director | Credit

Ozan Eryavuz

Managing Director | Credit

Ozan Eryavuz has a strong track record of setting-up consumer finance, retail banking, risk and payment businesses, and building automated lending and payment platform in several financial services markets.

Within Trive, Ozan built the credit business, which operates in eight countries, a P2P lending brand and a payments brand. The credit business serves primarily in the EU and Asian markets.

Prior to his role at Trive, Ozan was the Head of Financial Services of Peppers & Rogers Group, a consumer-centered management consulting firm.

Defne Ergun

Board Member | Internal Systems & Corporate Communications

Defne Ergun

Board Member | Internal Systems & Corporate Communications

In her role, as a board member of Trive, Defne is responsible for internal audit, internal control and corporate governance structures to ensure that the Group operates in line with international standards and good industry practices.

Defne started her career as a financial auditor at Deloitte. She then worked for Akbank, where she was an internal auditor, participating in the audits of different functions of the bank and its subsidiaries. She joined PwC in 2005, where she acted as the financial industry leader in risk assurance services for many years and created value for its clients both in and outside of Türkiye.

With an aim to enhance social and economic sustainability through the inclusion of women in work life, she played an active role in the development of a gender equality program, named “Equal Opportunities Model”, sponsored by The Women Entrepreneurs Association of Türkiye (KAGİDER) and worked in the certification of a number of corporations.

Defne graduated from the Middle East Technical University, Department of Civil Engineering, later she completed the MBA program at Bilkent University. She is a member of the Internal Audit Institute of Türkiye (TİDE) and holds Certified Internal Auditor (CIA) and Certified Information Systems Auditor (CISA) certificates.

Baran Engür

Board Member | Investments & Ventures

Baran Engür

Board Member | Investments & Ventures

Baran Engür is a seasoned investment banker with over 20 years of experience in complex cross-border M&A and corporate finance transactions. Baran was formerly an Advisory Services Partner at PwC in Istanbul, Dubai and London, focusing on mid-cap M&A deals. During his time in PwC, he led the Corporate Finance business unit, along with the Start-up & Scale up Program, Accelerator Initiative, PwC China, PwC Japan and PwC Middle East desks and was a member of PwC’s Technology Steering Committee.

Baran currently holds top board and executive positions in the Group. As a board member of Trive, his main focus area is executing groups’ inorganic growth vision and strategy, including but not limited to acquisitions, strategic alliances, divestments etc.; to maximize the equity value of Trive. Baran also leads the corporate venture capital initiative of the Group, working closely with successful entrepreneurs, start-up and scale-up companies operating in the financial technology (Fintech) space in Türkiye, Europe and Asia.

Baran holds a BA in Business Administration from Bilkent University.

Anna Szafnicka

Board Member | Chief Process Officer

Anna Szafnicka

Board Member | Chief Process Officer

Prior to joining Trive, Anna worked for 17+ years in several roles at Naspers and Philips, gaining experience in people management, accounting, analysis, financial and management reporting, process and change management and M&A and strategic projects in various international markets. Through 2016 to 2019, she was a Director Group Consolidation and Reporting at Philips, and subsequently CFO of Philips Turkey. Anna has a strong track record of delivering value to shareholders, customers and employees and is passionate about advancing her teams in achieving set goals and beyond and automating existing processes by implementing new solutions.

Anna holds a Master’s in Finance and Banking from University of Lodz, Poland and is an ACCA member. She currently resides in Amsterdam, the Netherlands with prior roles located in Turkey, the Netherlands, Belgium, and Poland.

Orkun Güncan

Chief Legal Officer

Orkun Güncan

Chief Legal Officer

Orkun Güncan is a highly accomplished legal expert and has practiced law since 1998, focusing on banking finance, capital markets and compliance.

Orkun worked for a United States-based law firm between 1997 and 2003 and later for a multinational law firm between 2003 and 2014, as a corporate and M&A partner. He has represented international clients and private equity firms in their acquisitions of Turkish entities, privatizations in major industrial corporations and financing of such acquisitions.

He continued his career as an in-house lawyer at Petrol Ofisi as the head of compliance, regulations and internal audit department for six years.

He received his LL.B degree from Istanbul University, Faculty of Law in 1997 and earned his LL.M degree from Columbia University, School of Law in 2003.

Orkun is a member of the Istanbul Bar Association.

Şenay Gani

Chief Human Resources Officer

Şenay Gani

Chief Human Resources Officer

Şenay Gani started her career at Akbank, as a Treasury Dealer in between 1996 and1999. Then she worked for Eczacıbaşı for 10 years in building materials, pharmaceutical and consumer products groups, as a human resources business partner. Şenay joined Mondelez as human resources and operational excellence Manager in 2009 and served until 2013.

After that she worked for Goodyear’s talent management and organizational development projects until 2015. She joined Hayat Kimya in August 2015, designing and implementing global human resources strategies in the company and in its global investments.

Prior to Trive, Şenay worked for Şölen Chocolate as human resources director.

She holds a BA degree in Political Science and Public Administration from Middle East Technical University.

Hugo Berkhout

Board Member | Financial Institutions & Markets

Hugo Berkhout

Board Member | Financial Institutions & Markets

Hugo Berkhout started his career in 2001 at Delta Lloyd Bank NV in Amsterdam, where he traded FX, interest rates/derivatives, and fixed income/structured credits products. From 2007 he began focusing on treasury/ALM, managing the bank’s balance sheet, and wholesale funding via money markets and securitizations.

In 2012 Hugo was hired by Amsterdam Trade Bank NV part of Alfa Bank Group as head of trading/ALM where he also became ALCO member. From 2018, Hugo set up a treasury department for Regtech/Fintech PSP and Neobank ISX Financial plc in Nicosia and moved back to The Netherlands at end of 2020.

Hugo was board member and treasurer of ACI, The Financial Markets Association and chairperson of the board of education of Dutch Securities Institute from 2012-2018. He is registered by the Dutch Securities Institute and got his financial markets and treasury credentials with Amsterdam Institute of Finance and Dutch Institute for the Banking and Securities Industry.

Governance

We believe that having a clear understanding of the principles and practices are essential to enhance the performance of our employees and the Group itself. We have a strong corporate governance system to maintain a sustainable, profitable, and trusted organization. We formed a two-tier board structure to effectively and efficiently manage and oversee our group companies.

Trive Financial Holding B.V.

Management Board

Engin Çubukçu

Engin Çubukçu

Engin Çubukçu was a financial services partner at PwC Türkiye and worked for PwC for 17 years, leading various projects for major banking and financial institution clients. Engin has also been an investor in various start-up companies and had taken advisory roles in a number of fintech companies before joining Trive.

As Trive’s CEO, he leads and is responsible for defining and implementing the group’s strategy and vision, including the brand’s dedication to progression.

Anna Szafnicka

Anna Szafnicka

Prior to joining Trive, Anna worked for 17+ years in several roles at Naspers and Philips, gaining experience in people management, accounting, analysis, financial and management reporting, process and change management and M&A and strategic projects in various international markets. Through 2016 to 2019, she was a Director Group Consolidation and Reporting at Philips, and subsequently CFO of Philips Turkey. Anna has a strong track record of delivering value to shareholders, customers and employees and is passionate about advancing her teams in achieving set goals and beyond and automating existing processes by implementing new solutions.

Anna holds a Master’s in Finance and Banking from University of Lodz, Poland and is an ACCA member. She currently resides in Amsterdam, the Netherlands with prior roles located in Turkey, the Netherlands, Belgium, and Poland.

Hugo Berkhout

Hugo Berkhout

Hugo Berkhout started his career in 2001 at Delta Lloyd Bank NV in Amsterdam, where he traded FX, interest rates/derivatives, and fixed income/structured credits products. From 2007 he began focusing on treasury/ALM, managing the bank’s balance sheet, and wholesale funding via money markets and securitizations.

In 2012 Hugo was hired by Amsterdam Trade Bank NV part of Alfa Bank Group as head of trading/ALM where he also became ALCO member. From 2018, Hugo set up a treasury department for Regtech/Fintech PSP and Neobank ISX Financial plc in Nicosia and moved back to The Netherlands at end of 2020.

Hugo was board member and treasurer of ACI, The Financial Markets Association and chairperson of the board of education of Dutch Securities Institute from 2012-2018. He is registered by the Dutch Securities Institute and got his financial markets and treasury credentials with Amsterdam Institute of Finance and Dutch Institute for the Banking and Securities Industry.

Supervisory Board

Defne Ergun

Defne Ergun

In her role, as a board member of Trive, Defne is responsible for internal audit, internal control and corporate governance structures to ensure that the Group operates in line with international standards and good industry practices.

Defne started her career as a financial auditor at Deloitte. She then worked for Akbank, where she was an internal auditor, participating in the audits of different functions of the bank and its subsidiaries. She joined PwC in 2005, where she acted as the financial industry leader in risk assurance services for many years and created value for its clients both in and outside of Türkiye.

With an aim to enhance social and economic sustainability through the inclusion of women in work life, she played an active role in the development of a gender equality program, named “Equal Opportunities Model”, sponsored by The Women Entrepreneurs Association of Türkiye (KAGİDER) and worked in the certification of a number of corporations.

Defne graduated from the Middle East Technical University, Department of Civil Engineering, later she completed the MBA program at Bilkent University. She is a member of the Internal Audit Institute of Türkiye (TİDE) and holds Certified Internal Auditor (CIA) and Certified Information Systems Auditor (CISA) certificates.

Baran Engür

Baran Engür

Baran Engür is a seasoned investment banker with over 20 years of experience in complex cross-border M&A and corporate finance transactions. Baran was formerly an Advisory Services Partner at PwC in Istanbul, Dubai and London, focusing on mid-cap M&A deals. During his time in PwC, he led the Corporate Finance business unit, along with the Start-up & Scale up Program, Accelerator Initiative, PwC China, PwC Japan and PwC Middle East desks and was a member of PwC’s Technology Steering Committee.

Baran currently holds top board and executive positions in the Group. As a board member of Trive, his main focus area is executing groups’ inorganic growth vision and strategy, including but not limited to acquisitions, strategic alliances, divestments etc.; to maximize the equity value of Trive. Baran also leads the corporate venture capital initiative of the Group, working closely with successful entrepreneurs, start-up and scale-up companies operating in the financial technology (Fintech) space in Türkiye, Europe and Asia.

Baran holds a BA in Business Administration from Bilkent University.

Orkun Güncan

Orkun Güncan

Orkun Güncan is a highly accomplished legal expert and has practiced law since 1998, focusing on banking finance, capital markets and compliance.

Orkun worked for a United States-based law firm between 1997 and 2003 and later for a multinational law firm between 2003 and 2014, as a corporate and M&A partner. He has represented international clients and private equity firms in their acquisitions of Turkish entities, privatizations in major industrial corporations and financing of such acquisitions.

He continued his career as an in-house lawyer at Petrol Ofisi as the head of compliance, regulations and internal audit department for six years.

He received his LL.B degree from Istanbul University, Faculty of Law in 1997 and earned his LL.M degree from Columbia University, School of Law in 2003.

Orkun is a member of the Istanbul Bar Association.

Özer Burhan

Özer Burhan

Özer Burhan has over 15 years of finance experience. In his current role, Özer oversees the individual country CFOs. He is responsible for executing all finance-related activities and oversees the financial performance and strategies of the group.

Özer started his professional career at Ericsson and subsequently took on roles at various pioneering companies. Between 2005 and 2009, he worked at PricewaterhouseCoopers as an auditor. In 2009, he joined Turkcell, where he held senior management positions for more than 5 years.

Prior to joining Trive, he worked as Senior Director, Chief Financial Officer and member of the Board of Directors respectively at Aktif Bank between 2014 and 2020.

Özer holds a BS degree in Economics from Boğaziçi University.

Trive Investment B.V.

Management Board

Engin Çubukçu

Engin Çubukçu

Engin Çubukçu was a financial services partner at PwC Türkiye and worked for PwC for 17 years, leading various projects for major banking and financial institution clients. Engin has also been an investor in various start-up companies and had taken advisory roles in a number of fintech companies before joining Trive.

As Trive’s CEO, he leads and is responsible for defining and implementing the group’s strategy and vision, including the brand’s dedication to progression.

Anna Szafnicka

Anna Szafnicka

Prior to joining Trive, Anna worked for 17+ years in several roles at Naspers and Philips, gaining experience in people management, accounting, analysis, financial and management reporting, process and change management and M&A and strategic projects in various international markets. Through 2016 to 2019, she was a Director Group Consolidation and Reporting at Philips, and subsequently CFO of Philips Turkey. Anna has a strong track record of delivering value to shareholders, customers and employees and is passionate about advancing her teams in achieving set goals and beyond and automating existing processes by implementing new solutions.

Anna holds a Master’s in Finance and Banking from University of Lodz, Poland and is an ACCA member. She currently resides in Amsterdam, the Netherlands with prior roles located in Turkey, the Netherlands, Belgium, and Poland.

Hugo Berkhout

Hugo Berkhout

Hugo Berkhout started his career in 2001 at Delta Lloyd Bank NV in Amsterdam, where he traded FX, interest rates/derivatives, and fixed income/structured credits products. From 2007 he began focusing on treasury/ALM, managing the bank’s balance sheet, and wholesale funding via money markets and securitizations.

In 2012 Hugo was hired by Amsterdam Trade Bank NV part of Alfa Bank Group as head of trading/ALM where he also became ALCO member. From 2018, Hugo set up a treasury department for Regtech/Fintech PSP and Neobank ISX Financial plc in Nicosia and moved back to The Netherlands at end of 2020.

Hugo was board member and treasurer of ACI, The Financial Markets Association and chairperson of the board of education of Dutch Securities Institute from 2012-2018. He is registered by the Dutch Securities Institute and got his financial markets and treasury credentials with Amsterdam Institute of Finance and Dutch Institute for the Banking and Securities Industry.

Supervisory Board

Özer Burhan

Özer Burhan

Özer Burhan has over 15 years of finance experience. In his current role, Özer oversees the individual country CFOs. He is responsible for executing all finance-related activities and oversees the financial performance and strategies of the group.

Özer started his professional career at Ericsson and subsequently took on roles at various pioneering companies. Between 2005 and 2009, he worked at PricewaterhouseCoopers as an auditor. In 2009, he joined Turkcell, where he held senior management positions for more than 5 years.

Prior to joining Trive, he worked as Senior Director, Chief Financial Officer and member of the Board of Directors respectively at Aktif Bank between 2014 and 2020.

Özer holds a BS degree in Economics from Boğaziçi University.

Defne Ergun

Defne Ergun

In her role, as a board member of Trive, Defne is responsible for internal audit, internal control and corporate governance structures to ensure that the Group operates in line with international standards and good industry practices.

Defne started her career as a financial auditor at Deloitte. She then worked for Akbank, where she was an internal auditor, participating in the audits of different functions of the bank and its subsidiaries. She joined PwC in 2005, where she acted as the financial industry leader in risk assurance services for many years and created value for its clients both in and outside of Türkiye.

With an aim to enhance social and economic sustainability through the inclusion of women in work life, she played an active role in the development of a gender equality program, named “Equal Opportunities Model”, sponsored by The Women Entrepreneurs Association of Türkiye (KAGİDER) and worked in the certification of a number of corporations.

Defne graduated from the Middle East Technical University, Department of Civil Engineering, later she completed the MBA program at Bilkent University. She is a member of the Internal Audit Institute of Türkiye (TİDE) and holds Certified Internal Auditor (CIA) and Certified Information Systems Auditor (CISA) certificates.

Baran Engür

Baran Engür

Baran Engür is a seasoned investment banker with over 20 years of experience in complex cross-border M&A and corporate finance transactions. Baran was formerly an Advisory Services Partner at PwC in Istanbul, Dubai and London, focusing on mid-cap M&A deals. During his time in PwC, he led the Corporate Finance business unit, along with the Start-up & Scale up Program, Accelerator Initiative, PwC China, PwC Japan and PwC Middle East desks and was a member of PwC’s Technology Steering Committee.

Baran currently holds top board and executive positions in the Group. As a board member of Trive, his main focus area is executing groups’ inorganic growth vision and strategy, including but not limited to acquisitions, strategic alliances, divestments etc.; to maximize the equity value of Trive. Baran also leads the corporate venture capital initiative of the Group, working closely with successful entrepreneurs, start-up and scale-up companies operating in the financial technology (Fintech) space in Türkiye, Europe and Asia.

Baran holds a BA in Business Administration from Bilkent University.

Trive Credit B.V.

Management Board

Engin Çubukçu

Engin Çubukçu

Engin Çubukçu was a financial services partner at PwC Türkiye and worked for PwC for 17 years, leading various projects for major banking and financial institution clients. Engin has also been an investor in various start-up companies and had taken advisory roles in a number of fintech companies before joining Trive.

As Trive’s CEO, he leads and is responsible for defining and implementing the group’s strategy and vision, including the brand’s dedication to progression.

Anna Szafnicka

Anna Szafnicka

Prior to joining Trive, Anna worked for 17+ years in several roles at Naspers and Philips, gaining experience in people management, accounting, analysis, financial and management reporting, process and change management and M&A and strategic projects in various international markets. Through 2016 to 2019, she was a Director Group Consolidation and Reporting at Philips, and subsequently CFO of Philips Turkey. Anna has a strong track record of delivering value to shareholders, customers and employees and is passionate about advancing her teams in achieving set goals and beyond and automating existing processes by implementing new solutions.

Anna holds a Master’s in Finance and Banking from University of Lodz, Poland and is an ACCA member. She currently resides in Amsterdam, the Netherlands with prior roles located in Turkey, the Netherlands, Belgium, and Poland.

Ozan Eryavuz

Ozan Eryavuz

Ozan Eryavuz has a strong track record of setting-up consumer finance, retail banking, risk and payment businesses, and building automated lending and payment platform in several financial services markets.

Within Trive, Ozan built the credit business, which operates in eight countries, a P2P lending brand and a payments brand. The credit business serves primarily in the EU and Asian markets.

Prior to his role at Trive, Ozan was the Head of Financial Services of Peppers & Rogers Group, a consumer-centered management consulting firm.

Hugo Berkhout

Hugo Berkhout

Hugo Berkhout started his career in 2001 at Delta Lloyd Bank NV in Amsterdam, where he traded FX, interest rates/derivatives, and fixed income/structured credits products. From 2007 he began focusing on treasury/ALM, managing the bank’s balance sheet, and wholesale funding via money markets and securitizations.

In 2012 Hugo was hired by Amsterdam Trade Bank NV part of Alfa Bank Group as head of trading/ALM where he also became ALCO member. From 2018, Hugo set up a treasury department for Regtech/Fintech PSP and Neobank ISX Financial plc in Nicosia and moved back to The Netherlands at end of 2020.

Hugo was board member and treasurer of ACI, The Financial Markets Association and chairperson of the board of education of Dutch Securities Institute from 2012-2018. He is registered by the Dutch Securities Institute and got his financial markets and treasury credentials with Amsterdam Institute of Finance and Dutch Institute for the Banking and Securities Industry.

Supervisory Board

Defne Ergun

Defne Ergun

In her role, as a board member of Trive, Defne is responsible for internal audit, internal control and corporate governance structures to ensure that the Group operates in line with international standards and good industry practices.

Defne started her career as a financial auditor at Deloitte. She then worked for Akbank, where she was an internal auditor, participating in the audits of different functions of the bank and its subsidiaries. She joined PwC in 2005, where she acted as the financial industry leader in risk assurance services for many years and created value for its clients both in and outside of Türkiye.

With an aim to enhance social and economic sustainability through the inclusion of women in work life, she played an active role in the development of a gender equality program, named “Equal Opportunities Model”, sponsored by The Women Entrepreneurs Association of Türkiye (KAGİDER) and worked in the certification of a number of corporations.

Defne graduated from the Middle East Technical University, Department of Civil Engineering, later she completed the MBA program at Bilkent University. She is a member of the Internal Audit Institute of Türkiye (TİDE) and holds Certified Internal Auditor (CIA) and Certified Information Systems Auditor (CISA) certificates.

Baran Engür

Baran Engür

Baran Engür is a seasoned investment banker with over 20 years of experience in complex cross-border M&A and corporate finance transactions. Baran was formerly an Advisory Services Partner at PwC in Istanbul, Dubai and London, focusing on mid-cap M&A deals. During his time in PwC, he led the Corporate Finance business unit, along with the Start-up & Scale up Program, Accelerator Initiative, PwC China, PwC Japan and PwC Middle East desks and was a member of PwC’s Technology Steering Committee.

Baran currently holds top board and executive positions in the Group. As a board member of Trive, his main focus area is executing groups’ inorganic growth vision and strategy, including but not limited to acquisitions, strategic alliances, divestments etc.; to maximize the equity value of Trive. Baran also leads the corporate venture capital initiative of the Group, working closely with successful entrepreneurs, start-up and scale-up companies operating in the financial technology (Fintech) space in Türkiye, Europe and Asia.

Baran holds a BA in Business Administration from Bilkent University.

Committees

Committees focusing on specific areas represent an essential part of the corporate governance structure by enabling carefully elaborated and informed decision making in line with the overall strategy of the group.

The Audit & Compliance Committee assists the Board in its oversight of (i) the integrity of the financial reporting (ii) the independence, qualifications and performance of the Company’s independent auditors and the performance of the internal auditors and (iii) the Company’s compliance with legal and regulatory requirements.

Risk Committee works to assist the Board of Directors in its oversight of the Group’s overall risk-taking tolerance and management of financial and non-financial risks, including but not limited to market, credit and liquidity risks.

Information Security Committee provides leadership in the protection of information assets and technology. The committee members advise on and prioritize the development of information security initiatives, projects and policies. The committee also coordinates and communicates the direction, current state, and oversight of the information security program.

Remuneration committee aims to deliver sustainable growth and performance to all stakeholders, provide a favourable development ground for the employees and induce a responsible and ethical behaviour. The role of the committee is to have an appropriate reward policy that attracts and motivates executives to achieve results in line with the strategy.

This Committee is working to assist the Board in the establishment and oversight of values and ethical policy framework by monitoring the compliance with professional and ethical standards. The committee is responsible for recommending disciplinary actions against serious and material violations of the Company’s code of conduct.

The purpose of the Business Continuity Management Committee is to assist the Board in its oversight of the overall business continuity requirements and IT risks that oppose a challenge to service availability.

Committees

The Audit & Compliance Committee assists the Board in its oversight of (i) the integrity of the financial reporting (ii) the independence, qualifications and performance of the Company’s independent auditors and the performance of the internal auditors and (iii) the Company’s compliance with legal and regulatory requirements.

The purpose of the Risk Committee is to assist the Board of Directors in overseeing the Group’s overall risk-taking tolerance and management of financial and non-financial risks, including but not limited to market, credit, and liquidity risks. The Risk Committee meets at least once a month, but further meetings can occur, or actions can be taken by unanimous written consent, when deemed necessary or desirable by the Committee.

Information Security Committee provides leadership in the protection of information assets and technology. The committee advises on and prioritizes the development of information security initiatives, projects, and policies and acts as an advocate for the stakeholders of the Company. The committee also coordinates and communicates the direction, current state, and oversight of the information security program.

The role of the remuneration committee is to have an appropriate reward policy that attracts and motivates executives to achieve the long-term interests of shareholders. In order to be effective, the committee needs both to determine the organization’s general policy on the remuneration of key management personnel (executives and directors) and specific remuneration packages for each executive director.

The Company’s remuneration policy is a crucial component of its corporate framework and has the ultimate purpose of delivering sustainable growth and performance to shareholders, providing a favourable development ground for the employees, and inducing responsible and ethical behaviour.

The purpose of the Committee is to assist the Board in the establishment, embedding and oversight of values, the ethical policy framework and ensuring and monitoring the overall ethical health, compliance with professional and ethical standards and reputation of the Company by recommending disciplinary actions against serious and material violations of the Company’s code of conduct

The purpose of the Business Continuity Management Committee is to assist the Board in managing the overall business continuity requirements and IT risks that oppose a challenge to service availability.