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Hector Zarca, age 47, is Managing Director and Chief Executive Officer of the South African Bank of Athens Limited. He joined the Bank in November 2001 as Chief Financial Officer and was elected as a member of the Board of Directors in August 2002, after which he was appointed to his present position in December 2003. He was previously Group Financial Director of Sasfin Holdings Limited for five years from August 1996, after seven years of service with the Standard Bank of SA Limited, rising to the position of Chief Financial Officer Commercial Banking. Mr. Zarca obtained BComm and BAcc degrees from the University of the Witwatersrand and thereafter qualified as a Chartered Accountant in 1985. | 