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Dipl.-Ing. André HOROVITZ Erste Bank, Member of the Board of Directors, Risk Management & Controlling, Vienna

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1982 Dipl. Eng. Hydraulic Engineering, Institute of Construction, Bucharest 1989 MBA Finance, Stern School of Business, New York University 1988-90 Lehman Brothers, New York, Financial engineer, fixed income derivative products 1990-95 Oliver, Wyman & Company, Project Manager to Managing Director, Frankfurt/New York 1995-98 Commerzbank AG, Director, Head of Risk Management - Capital Markets & Investment Banking Division - Frankfurt 1998-2000 HVB Group, Executive Vice President, Head of Risk Control, Munich 2000-02 HVB Group, Group Managing Director, Global Head of Group Risk Control, Munich since 2003 Erste Bank, Member of the Board of Directors, Risk Management & Controlling, Vienna