RhyllGardnerConsultingCredentialsAugust2015

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Overview

Rhyll Gardner is a management consultant with expertise across strategy and operations in financial services. Rhyll has 25 years of broad experience across banking and wealth management including retail banking, business banking, risk management, strategy (including M&A), project management, sales and people management. Most recently Rhyll has developed enhanced strategy formulation and execution skills with strategic leadership roles (including project management), and having executed strategy in a wide variety of operational roles, she is familiar with the “villians on the execution road” and how strategic intent can get lost in execution. Rhyll has engaged closely with senior executives and boards through a distinguished executive career and has served on several boards as a non-executive director. She is also an engaging and popular speaker on a variety of topics.

Project Roles

Bank of Queensland Limited, Retail Distribution Strategy. Led the development of a retail distribution strategy for the bank. Segment evaluation and selection, informed by channel profitability analytics, was used to devise the best fit for the bank across branch, franchise, digital/online and broker distribution channels. St.George Bank Limited, Best Bank Project. A high performer seconded to a Working Team to re-engineer the bank. >$100m in revenue opportunities were identified across retail banking, business banking and wealth management St.George Bank Limited, Evaluation and Implementation of Value-at-Risk (VaR) System. The responsible manager for the implementation of St.George’s first Value at Risk system and adjacent processes and procedures. The system was subsequently accredited by APRA and minimised the capital allocation to traded market risk for the bank. St.George Bank Limited, Implementation of ALM System. Implemented St.George’s first ALM measurement system along with setting up the AL CO and Board Risk Management Committee.

Rhyll Gardner BCom BEc MAppFin MA MBA(INSEAD) FFin FAIM GAICD

Credentials

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Strategy Operations Roles

Bank of Queensland, Group Head of Strategy and M&A. Established and led the strategic capability for BOQ including building a team, creating templates, process and disciplines in the strategic space. Developed a new framework to review strategy for the Executive Committee and the Board to increase engagement in the strategic process through the whole year. Established and ran a Digital/SMAC (Social, Mobile, Analytics and Cloud) Pilot to prove out application to the business, educate and map the journey for the BOQ Group. Led teams to investigate and evaluate merger and acquisition opportunities – capturing maximum value through an understanding of debt and the identification of strategic opportunities to enhance corporate performance and led the $400 Mill acquisition of Investec businesses in 2014 including valuation, due diligence, preparation of documentation and board approval in conjunction with the equity raising Westpac Banking Corporation, General Manager, Strategy (St.George) Established the strategic capability for the bank to enable the division to function and compete for investment in the WBC Group environment through targeted recruitment and the introduction of strategic disciplines in research, thought leadership and presentation. Built the project governance disciplines and practice for St.George in line with Group requirements by identifying gaps between the business practices and best practice, managed the Project Management Office (PMO), and monitored adherence to the governance standards. Led the annual strategic planning and development process, review, communication and development to set the 3 year strategy for the division. St.George Bank, General Manager, Northern NSW, Retail Business Developed a turn-around strategy for an underperforming business to achieve a 17% productivity upflift over 12 months. St.George Bank, General Manager, Queensland Developed and executed a growth strategy in an underrepresented geography achieving >10% growth for 4 consecutive years.

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YWCA (QLD) Director, 2015 - present Expressions Dance Company Director, Chair of Audit & Risk Committee, 2013 – present Australian Chamber Orchestra Member—Sydney Development Committee 2011 – 2013 St Margaret’s Anglican Girls School Director, 2007 – 2009 Chair of Finance & Audit Committee 2008 – 2009 Queensland Symphony Orchestra Director, 2006 – 2009 Chair of Development & Marketing Committee, 2006 – 2008 Chair of Board Artistic Committee 2009 Member of Audit & Finance Committee 2008 – 2009

Global Executive MBA INSEAD Master of Arts Macquarie University Master of Applied Finance Macquarie University Bachelor of Economics University of Queensland Bachelor of Commerce University of Queensland

AICD Chair’s Mentoring Program 2015 Hugh D T Williamson Award for Excellence in Financial Services 2008 Telstra Business Woman of the Year Finalist 2006 Finsia Fellow since 2004 Australian Institute of Company Directors Graduate Member since 2006 Australian Institute of Management Fellow since 2007

Board Roles Education Memberships and Awards

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General Manager - Group Strategy and M&A Bank of Queensland, 2013 – 2015 Established and led the strategic capability for BOQ including building a team, creating templates, processes and disciplines. Developed a new framework to review strategy for the Board and Executive to increase engagement in the strategic planning process through the year. Led the $440M acquisition of Investec in 2014 including valuation ,due diligence, documentation and board approval in conjunction with the equity raising. General Manager - Group Strategy St.George Bank (A Division of Westpac Banking Corporation), 2009 – 2011 Built and led the strategic capability for St.George through targeted recruitment and introduction of strategic disciplines in research, thought leadership and presentation. General Manager - Queensland St.George Bank Limited, 2005 – 2009 Grew balance sheet footings >10% each year, doubled presence and increased brand awareness across all segments and distribution channels. General Manager - Northern NSW St.George Bank Limited, 2004 – 2005 Increased productivity by 17% across 100 branches and >1000 staff. General Manager - Corporate & Business Bank St.George Bank Limited, 2000 – 2004 Built an award winning business banking brand. Working Team Member - Best Bank Project St.George Bank Limited, 2000 Identified and implemented a $145m boost to St.George profit through revenue and cost savings across retail banking business banking and wealth management. Executive Manager - Risk Management & Compliance St.George Bank Limited, 1997 – 1999 Identified and implemented St.George’s first VaR system for APRA review to achieve the minimum capital requirements for trading room market risk Marketing Support Manager/Chief of Staff State Bank of New South Wales/Colonial State Bank, 1996 – 1997 Acted as Chief of Staff to the Group Executive, Brand and Marketing who had no experience in banking Manager - Interest Rate Risk St.George Bank Limited, 1992 – 1996 Built the balance sheet management infrastucture for St.George through information gathering, system development, reporting to the newly established Board Risk Management Committee. Treasury Manager Suncorp Building Society, 1990 – 1992 Managed liquidity, balance sheet and interest rate risk

Past Executive Roles