About SKB bank

The future is you.

GOVERNANCE

It is best when strategy turns into reality.

The right people in the right places are priceless; that has been true since the dawn of times. We are extremely proud of our leadership that guides us with its strategy to improve every day, for you.     

General Management

Milan Žiaran,
Chief Executive Officer

Milan Žiaran, glavni izvršni direktor banke

Education:
  • Czech Technical University, Prague (Faculty of nuclear sciences and physical engineering, Mathematical engineering)
Job positions:
  • 1996:  Komerčni Banka, Prague, Advisor for risks;
  • 2001:  Société Générale, Komerčni Banka, Prague, Head of the Group for managing risks related to obligation of collateralized loans and loan derivatives, in the Market risk department;
  • 2004:  Société Générale, Paris, Head of the Department for managing risks related to »vanilla« and exotic loans, in the Market risk department;
  • 2006:  Société Générale, Komerčni Banka, Prague, Head of the Department for managing risks on capital markets;
  • 2010:  Société Générale, Komerčni Banka, Prague, Deputy Head of the Credit risk assessment department;
  • 2013:  Société Générale, BRD, Bucharest, Deputy executive director for risks;
  • 2016:  Société Générale, SKB, Ljubljana, Director of the Risk division;
  • 2019:  Société Générale, SKB, Ljubljana, Chief Executive Officer.

Vojka Ravbar,
Deputy Chief Executive Officer

Vojka Ravbar, namestnica glavnega izvršnega direktorja banke

Education:
  • University of Ljubljana, Master's Degree in Economics and Bachelor's Degree in Economics
Job positions:
  • 1977: The Government of the Republic of Slovenia, area of economics – from a trainee to Adviser to the Government for the area of International Cooperation and Head of Foreign Economic Relations Section;
  • 1990: Ministry of Foreign Affairs of the Republic of Slovenia, Deputy Minister of Foreign Affairs, responsible for foreign economic relations of Republic of Slovenia;
  • 1993: Ministry of Economic Relations and Development of Republic of Slovenia, State Secretary for Foreign Economic Relations;
  • 2000: SKB, Adviser to the Management, afterwards Executive Officer of International Banking;
  • 2001: SKB, Executive Officer of Bank Services and Corporate Support;
  • 2005: SKB, Executive Officer - Secretary General;
  • 2010: SKB, member of bank Management and from June 2010 Deputy Chief Executive Officer of the bank and member of Board of Directors of the bank;
  • 2014: SKB, Deputy Chief Executive Officer and member of Board of Directors of the bank.

Board of Directors

Board of Directors of SKB banka d.d consists of nine members since 23. 7. 2019:

Jean-Philippe Guillaume,
President of the Board 

Education:
  • Master 1 in Economics and Finance, Institut d’études Politiques – IEP, Paris
    Master 2 in Corporate Finance and Financial Markets, Institut d’études Politiques –IEP, Paris
Job positions:
  • 2015: Société Générale Paris – Regional Head for the Balkans - supervisor for 7 subsidiaries: SG Slovenia, SG Bulgaria, SG Serbia, SG Montenegro, SG North Macedonia, SG Albania, SG Moldova
  • 2012: Société Générale Cameroon (Douala) – Chief Executive Officer
  • 2010: Société Générale Paris – Head of Sales and Marketing for the International Retail Banking Divison and member of the Management Committee for International Retail Banking Division of Société Générale Group, Paris
  • 2007: Société Générale, Compiègne, France – Director of South Picardy French Network, France (35 agencies)
  • 2002: CGA – factoring subsidiary Société Générale Group, Paris – Chief Executive Officer
  • 1999: CGA – factoring subsidiary Société Générale Group, Paris – Deputy Chief Executive Officer, Head of Marketing and Sales
  • 1992: Société Générale, Paris – Inspector (Internal Audit)

Pierre-Yves Demoures,
vice-president of the Board 

Education:

  • Master's Degree in Soil Mechanics, Université Paris VII
    Master's Degree in Civil Engineering, Ecole Centrale, Paris

Job positions:

  • 2012: Société Générale Paris - Chief Executive Officer of International retail Banking and Financial Services Division (IBFS) until 2017
  • 2007: Société Générale Paris - Head of Human Resources for French retail Banking
  • 2003: Société Générale Paris - Head of Global Operations in Corporate and Investment Banking
  • 2000: Société Générale Paris - Head of Equity Investments in Corporate and Investment Banking
  • 1999: Société Générale Paris - Head of Service of the Rear for Equity Investments
  • 1997: Banka Indosuez - Deputy Head of Internal Audit
  • 1993: Banka Indosuez - Head of Service of the Rear
  • 1990: Banka Indosuez - Head of Employment in Human Resources
  • 1988: Air France - Head of Human Resources, Orly branch
  • 1985: Air France - Deputy Head, Nice branch
  • 1982: Air France - Adviser in Operational Research Department
  • 1980: Office National d’Etudes et Recherches aérospatiales - ONERA (The French Aerospace Lab), Air France

Maria Koytcheva Rousseva,
member of the Board 

Education:
  • Master's Degree in Business Science, University of Leipzig, Germany
    Bachelor's Degree in International Economic Relations, University of National and World Economy, Sofia, Bulgaria
Job positions:
  • 2015: Société Générale Serbia, Belgrade – Chief Executive Officer
  • 2012: Société Générale Expressbank, Bulgaria - Deputy Chief Executive Officer and Deputy President of the Management
  • 2011: Société Générale Expressbank, Bulgaria – Chief Executive Officer and Head of Corporate Operations and Financial Markets Division
  • 2010: Société Générale Expressbank, Bulgaria – member of the Management
  • 2008: Société Générale Expressbank, Bulgaria – procurator (presenting the bank)
  • 2005: Société Générale Expressbank, Bulgaria – Head of Corporate & Investment Banking Division
  • 2002: HVB Bank Biochim, Bulgaria – Head of International Corporate Operations Division (2004), Deputy Head of International Corporate Operations (2003), Head of Multi-national Corporate Operations Division (2002)
  • 2000: HypoVereinsbank Bulgaria, business unit Sofia – Corporate Relationship Officer
  • 1999: Hebros Bank, Treasury – Service of the Rear

Clara-Elen Grigore,
member of the Board 

Education:
  • Master's Degree in »Commercial Strategies and Negotiation Policies« at the University Paris 1 Panthéon – Sorbonne, Paris
    Bachelor's Degree in International Economy, Paris 1 Panthéon – Sorbonne, Paris
    Bachelor's Degree in International Business Economy, University of Bucharest - Faculty for Economic Studies, International Business and Economy
    Bachelor's Degree in Enterprise Management, French Management Institute, branch of IUP Clermont-Ferrand in Bucharest
Job positions:
  • 2017: Société Générale, Paris, International Retail Banking, business unit Europe – Secretary General for Europe and Russia
  • 2013: Société Générale, Paris – Head Adviser for Business and Organisation in Corporate Resources and Innovation Division
  • 2010: Société Générale, Paris, International Banking and Financial Services (IBFS) Division - Project Leader in the area of crediting, Head of Program for implementing a standardised platform for international retail subsidiaries
    BRD Société Générale Group, Bucharest – Project Leader on reorganisation of business network BRD (6 months)
  • 2006: Société Générale, Paris, International Banking and Financial Services Division (IBFS), Deputy Head of Operations in Migrant Segment
  • 2005: Brasserie Kronenbourg, Chatillon, France – Area Sales Manager Paris Est
  • 2004: Coca-cola Enterprise, Clamart, France – Deputy Merchandising Manager

Milorad Katnić,
member of the Board 

Education:
  • PhD in »Public Expenditures and Economic Growth«, Faculty of Economics, University of Montenegro, Podgorica
    Master's Degree in Analysis and Review of Public Debt, Faculty of Economics, University of Montenegro, Podgorica
    Bachelor's Degree in Entrepreneurial Economy, Faculty of Economics, University of Montenegro, Podgorica
Job positions:
  • 2016: University of Donja Gorica, Montenegro - Associate Professor for business courses »State and Business« and »Public Finance and Economic Development« and lecturer at the same University since 2007
  • 2015: United Nations Development Program, Montenegro – Coordinator and lead author of National Human Development Report and lead expert on youth employment
  • 2012: The Government of the Republic of Montenegro, Adviser to the Prime Minister for Economics and Finance
  • 2010: Ministry of Finance, the Government of the Republic Montenegro – Minister of Finance
  • 2004: Ministry of Finance, the Government of the Republic Montenegro – Deputy Minister of Finance
  • 2000: Institute for Strategic Studies and Prognoses, Podgorica, Montenegro – researcher and analyst

Vojka Ravbar,
member of the Board and Deputy Chief Executive Officer

Education:
  • Master's Degree in Economics and Bachelor's Degree in Economics
Delovna mesta:
  • 2014: SKB, Deputy Chief Executive Officer and member of Board of Directors of SKB d.d.;
  • 2010: SKB, member of bank Management and from June 2010 Deputy Chief Executive Officer of the bank and member of Board of Directors of SKB d.d.;
  • 2005: SKB, Executive Officer – Secretary General;
  • 2001: SKB, Executive Officer of Bank Services and Corporate Support;
  • 2000: SKB, Adviser to the Management, afterwards Executive Officer of International Banking;
  • 1993: Ministry of Economic Relations and Development of the Republic of Slovenia, State Secretary for Foreign Economic Relations;
  • 1990: Ministry of Foreign Affairs of the Republic of Slovenia, Deputy Minister of Foreign Affairs, responsible for foreign economic relations of Republic of Slovenia;
  • 1977: The Government of the Republic of Slovenia, area of economics – from a trainee to Adviser to the Government for the area of International Cooperation and Head of Foreign Economic Relations Section.

Andre Gardella,
member of the Board and Chief Executive Officer

Education:
  • Università Bocconi, Milano (graduated summa cum laude in economy)
Job positions:
  • 2017: Société Générale, SKB d.d., Chief Executive Officer and member of Board of Directors of SKB d.d.;
  • 2012: Banco Cacique – Banco Pecunia, São Paulo, Head of Marketing and Sales, as of 2015 Chief Executive Officer;
  • 2011: Banco Société Générale do Brasil (BSGB), São Paulo, Head of Structured Finance;
  • 2008: Self Trade Bank Madrid, Chief Executive Officer and later President and Chief Executive Officer of Self Bank, the Spanish subsidiary of Boursorama Banque; member of Executive Committee and Secretary to the Board of Directors of Boursorama Banque;
  • 2006: Boursorama Banque, Boulogne Billancourt, Chief Operational Officer and member of the Executive Committee; Secretary to the Board of Directors;
  • 2002: Société Générale, Paris, the Group's Strategy department: responsible for internal mergers and acquisitions (M&A) and strategic analyses;
  • 2001: SG Cowen, European Technology Group, Paris / London, member of corporate finance team dedicated to financing technology companies;
  • 1998: Société Générale, Paris, corporate equity financing: conclusion and execution of private and public issues (stocks, other equity instruments) in Italian and Spanish primary markets;
  • 1995: Société Générale, Paris, structured finance area: negotiations and organisation of export financing operations.

Based on articles 13, 14, 15 and 16 of the Statute of SKB banka d.d. Ljubljana, Ajdovščina 4, Ljubljana, the Board of Directors SKB d.d. called

33. Assembly of SKB banka d.d. Ljubljana,

that took place on June ­­­­6 2019 at 13:00 hours in the conference room nr. 611 in VI. floor of the bank, Ajdovščina 4, Ljubljana. At the meeting of the assembly the following conclusions were adopted:

Agenda:

1.0 CONCLUSION:

Assembly names the bodies:

  • president: Jean Philippe Guillaume                  
  • verification commission:
    • Mateja Papež, president
    • Klemen Klopčič, member
    • Jadranka Zadnikar, member

2.0 CONCLUSION:

The assembly of the bank adopts the Internal Audit Report for 2018.

3.0 CONCLUSION:

Distributable profit of SKB banka d.d. Ljubljana for business year 2018 amounts to 136.250.907,46 EUR.

Net profit of SKB banka for business year 2018 amounts to 53.693.122,82 EUR, the sum of 47.055.024,00 EUR is used for dividend payment, the sum of 6.638.098,82 EUR is transferred to previous net profit.

Gross stock dividend for year 2018 amounts to 3,72 EUR.

With the date of the shareholders assembly the net profit from position net profit for the business year 2018 transfers to position liability in profit sharing - dividends.

Dividends are redeemed on the sixth working day after the date of the assembly of shareholders, who are registered as stock owners of SKB banka d.d. Ljubljana in the central register of valuable securities at the end of fifth working day after the date of assembly, which will decide on the usage of distributable profit.

4.0 CONCLUSION

The bank assembly issues a discharge to members of Board of Directors for their work in business year 2018.

PARTICIPATION:

Present were 99,944% of all shareholders votes with the right to vote. Conclusions were adopted with 100% majority of cast votes. There were no challenging actions announced.

ASSEMBLY DOCUMENTS

All documents are published also on the website of SKB banka: www.skb.si.

Jean Philippe Guillaume
president of Board of Directors

Shareholding structure

SKB banka d.d. Ljubljana joined the Group Société Générale (SG), Paris, France, in 2001.

The French banking network now owns 99,7293% of capital stock of SKB banka; the shareholding structure is broken down in detail in the below table.

Société Générale S.A., Paris 97,5846 %
Société Générale - client account - escrow account* 2,1447 %
Minority shareholders (100) 0,0561 %
Unexchanged certificated shares 0,2146 %
Together 100,00 %

*Societe Generale holds shares in its capacity and for the account Généfinance S.A., Paris, which is 100% owned by Société Générale.

  • The amount of share capital: 52.784.176,26 EUR
  • Number of shares: 12.649.200 (unit shares)
  • Number of shareholders: 103

Société Générale Group

Société Générale is one of the leading European financial services groups. Based on a diversified and integrated banking model, the Group combines financial strength with a strategy of sustainable growth, aiming to be a role model for banking based on trustful relationships between the bank and its clients, to be valued in the markets where the bank conducts business and to be close to clients who choose the bank for its quality and the commitment of its team.

On a daily basis around 160.000 employees in 77 countries support more than 33 million clients around the world. The Société Générale team offers advice and services to individual clients, businesses and institutional investors in three key areas:

  • Retail Banking in France through branch network Société Générale, Credit du Nord and Boursorama.
  • International Retail Banking in Central and Eastern Europe, Russia, in the Mediterranean, sub-Saharan Africa, Asia and in the French overseas territories.
  • Corporate and Investment Banking with global knowledge from the field of investment banking, financing and global markets.

As part of the Group since 2001 SKB uses the advantages of wide business network of SG.

On the Slovene market the Société Générale Group operates through SKB Group (that consists of SKB banka, SKB Leasing and SKB Leasing Select) and Slovene subsidiary of ALD Automotive, the company specialised for fleet management.

Société Générale is also an important player in the field of specialised financing and insurance, private banking, wealth management and securities trading.

ALD Automotive
business vehicle lease with full service and fleet management.