Management Board

Elżbieta Czetwertyńska was appointed Citi Country Officer Poland / CEO Citi Handlowy in June 2021 and in June 2022 received additional responsibility for Ukraine.

Prior to her current role, Elżbieta was Citi Country Officer for Switzerland, Monaco and Liechtenstein, based in Zurich. She assumed that role in March 2019, after a five-year stint in Latin America. Before moving to Switzerland, Elżbieta was Citi Country Officer, and Corporate and Investment Banking Head in Ecuador.

Elżbieta has been at Citi for 30 years, working in different countries in Europe and Latin America. She joined Citi Ecuador as corporate bank relationship manager in 1994. From 1999 to 2003, she was Head of Transaction Services, Asset-Based Finance and the SME segment in the Dominican Republic, before moving to the United States for a year as internal auditor covering corporate credit for Latin America.

In 2004, Elżbieta moved to Europe where she joined Citi Handlowy's risk management team in Poland and was appointed Senior Credit Officer a year later. Her last four years in Poland she led the Commercial Bank business.

Elżbieta returned to Latin America in 2013 as Head of Citi Colombia's Treasury and Trade Solutions business, where she successfully developed and executed a dynamic growth strategy.

Elżbieta holds a BSc Hons in Food Science, Economics and Marketing from the University of Reading, England. She is a certified coach in leadership and sales programs and has facilitated several risk management trainings.

She served as President of the Board of Directors for Amcham Ecuador, as well as board member of the Ecuadorian Banking Association and Junior Achievement Ecuador Foundation. In Switzerland Elżbieta was a board member of the Association of Foreign Banks in Switzerland. At present, she is in the Board of Amcham Poland, the Polish Banking Association, and she serves as President of the Board of Citi Ukraine.

She satisfies the requirements referred to in Article 22aa of the Banking Law.

Maciej Kropidłowski has been the Vice President of the Management Board of Bank Handlowy w Warszawie S.A. since March 19, 2014.

Maciej is a graduate of the University of Lodz, the Faculty of Management.

Maciej has been the Financial Markets Sub-Sector Head at Bank Handlowy w Warszawie S.A. since January 2014. In February 2014 he was appointed Member of the Supervisory Board of Dom Maklerski Banku Handlowego S.A. (Brokerage House of Bank Handlowy S.A.). At Bank Handlowy w Warszawie S.A. he is responsible for Treasury operations in the area of financing of the Bank's assets, money market financial services, FX services, trading in securities and derivatives.

Maciej started his career in 1995 in Citibank (Poland) S.A. in the Corporate Bank. Four years later he became an RM in the International Corporate Clients unit at Citibank N.A. in Switzerland. In 2001 he returned to Poland and joined Bank Handlowy w Warszawie S.A. as Head of Treasury Sales. In his new role he was responsible for managing the Structuring and Treasury Products Sales Unit.

In 2008 he was appointed Head of Treasury Sales for Central and Eastern Europe, Middle East and Africa at Citibank N.A. in London and he was responsible for Treasury products sales to corporate clients. He also played an important role in developing the best e-Commerce platform for corporate clients and a global CRM system for Global Markets.

He satisfies the requirements referred to in Article 22aa of the Banking Law..

Katarzyna Majewska assumed the position of a Member of the Management Board in charge of Operations and Technology as well as the Banking Product Research and Development Center in January 2016. She joined Citi Handlowy team from PZU Group, where she had acted as Managing Director for administration and logistics for 7 years. Before, between 1999 and 2008 Katarzyna worked in Bank Handlowy.

In the years 2017 and 2021 she was the Vice Chair of the Cybersecurity Forum at the Polish Bank Association.

She graduated from the Warsaw School of Economics and Harvard Business School and holds an MBA from the Rotterdam School of Management. Katarzyna has over 20 years of experience in banking.

Barbara Sobala assumed the position of Vice President of the Management Board of Bank Handlowy w Warszawie S.A. on October 15, 2013.

Barbara Sobala has a university degree. She graduated from the Cracow University of Economics. She has extensive (over twenty years) experience in banking, especially in risk management and corporate restructuring.

She joined Bank Handlowy in 2005 as Head of IRM. In the years 2012-2015 she was the Head of Risk for the Institutional and Corporate Bank. She is the Chairperson of the Risk and Capital Management Committee, Vice Chairperson of the Equity Investments Committee and a member of the Assets and Liabilities Management Committee (ALCO) in the Bank.

Before joining Bank Handlowy's team, she served 13 years for Bank BPH where she held various roles including Head of the Restructuring Department Head. She was also a member of the Bank's Credit Committee.

She satisfies the requirements referred to in Article 22aa of the Banking Law.

Andrzej Wilk has been the Vice President of the Management Board of Bank Handlowy w Warszawie S.A. since July 1, 2022.

Andrzej has an extensive professional experience in banking. Andrzej joined Bank Handlowy w Warszawie S.A. in 1997 as Planning and Business Analysis Specialist. Then, he held a number of managerial roles, including the CFO of Citifinancial Central Europe, supervising the development of over 200 branches and points of sale. He was also the Head of Retail Bank in Hungary, the Czech Republic and Romania. Between 2014 and 2018 he worked outside of Citi, at Moneygram Polska as the Company CEO. Then, he returned to Citi and from 2019 he served as the Head of Retail Products, Brokerage Services, Segments and Branch Network Management Division.

Andrzej holds a Master’s degree in Management and Marketing from the Wrocław University of Science and Technology.

He satisfies the requirements referred to in Article 22aa of the Banking Law.

Patrycjusz Wójcik has been the Vice President of the Management Board of Bank Handlowy w Warszawie S.A. since February 1, 2024.

Patrycjusz has extensive experience in the area of banking and finance. Since 2014 he has been holding the role of Head of Strategy and Development Department within Financial Markets in the Bank being responsible for operational, financial and administrational support of all business lines within Markets. Since 2018, Patrycjusz has been President of the Management Board of Dom Maklerski Banku Handlowego S.A. („Brokerage House”). In this role he was responsible for business and financial supervision, coordinated and supervised the sale of the brokerage enterprise of the Brokerage House to the Bank. From August 2022 to January 2024 Patrycjusz was holding the role of CEO for the company transformed to Handlowy Financial Services sp. z o.o. (former: DMBH S.A.). He started his professional career in KPMG, where he was engaged in audit and advisory projects for biggest financial institutions in Poland.

Patrycjusz is ACCA certified accountant, a certified financial markets dealer and a licensed broker. He graduated from the Warsaw School of Economics, Quantitative Methods and Information Systems and he is a scholarship holder of the Humboldt University in Berlin.

He satisfies the requirements referred to in Article 22aa of the Banking Law.

Ivan Vrhel has been the Member of the Management Board of Bank Handlowy w Warszawie S.A. since September 29, 2022.

Ivan has 17 years of experience in banking and management gained in many markets where entities from the Citi group operate. Ivan started his career in 2004 at Citibank Prague in the corporate banking division, where he worked as a customer relationship manager (RM) and held a number of managerial positions, including being the Head of Emerging Corporate, a unit dealing with acquiring and developing relationships with the largest entities from the Small and Medium Enterprises segment in the Czech Republic. In 2014, Ivan moved to Romania, where he took the position of the Head of Corporate Banking. He held this position in 2014-2021. In 2017, Ivan was promoted to the position of the Citi Country Officer in Romania, which he held until 2021. At the same time, he was also the Director of Citibank Europe plc Branch in Romania. In this role, he was responsible for the implementation of the country's business strategy. From January 1, 2022 to July 31, 2022, Ivan was the Head of Transaction Banking in Russia.

Ivan holds a bachelor's and master's degree from the Charles University in Prague from the Faculty of Social Sciences (specialization: banking and capital market).

He satisfies the requirements referred to in Article 22aa of the Banking Law.