The Co-operative Bank plc Directors

Chair of the Board

Committee Membership: Values & Ethics and Nomination (Chair), Remuneration

Appointed: January 2025 (Bank Board)

Career history: Jo is an experienced Non-Executive Director who has worked across multiple sectors in her executive and non-executive careers. Her early career included roles at Mars confectionery, Pepsi, and Asda, followed by executive roles at Camelot Group plc, B&Q plc and Homebase Limited. She was also CEO of Start, a Prince of Wales charitable initiative. Jo has held previous non-executive roles at Principality Building Society and Safestore Self Storage Ltd and was the former Chair of PayM and of the Current Account Switch Service for Pay.UK.

Society and External appointments: Deputy Chair and Senior Independent Director, she is also a member of the Remuneration Committee and a member of the Nominations and Governance Committee at Coventry Building Society. Senior Independent Director and Chair of the Remuneration Committee at Dŵr Cymru Welsh Water. Chair of the Remuneration Committee at Sirius Real Estate. Non-Executive Director and Consumer Duty Champion at Vitality Insurance.

Deputy Chair

Committee Membership: Values & Ethics and Nomination

Appointed: January 2025 (Bank Board)

Career history: Martin has wide-ranging experience within the financial services sector. He was the Director of Banks, Building Societies and Credit Unions at the Bank of England, and Head of UK Banks and Mutuals at the Financial Services Authority (now the Financial Conduct Authority). Martin also spent ten years in various senior roles at Yorkshire Building Society.

Society and External appointments: Chair of the Group Board Risk Committee. Member of the Group Board Audit Committee, and Group Board Change Committee at Coventry Building Society. Non-Executive Director and Chair of Northern Bank Limited (Danske Bank UK). Panel Member, Independent Football Regulator Expert Panel.

Non-Executive Director

Committee Membership: Risk (Chair), and Audit

Appointed: January 2025 (Bank Board)

Career history: Brendan has over 35 years’ experience at Allied Irish Bank, where his roles included Head of Global Treasury Services, Head of Corporate Banking International and Head of Business Banking. Brendan was most recently on the AIB Group leadership team as Head of Financial Solutions Group before becoming CEO of AIB UK plc in 2015.

Society and External appointments: Member of the Board of Coventry Building Society. Non-Executive Director at Ford Credit Europe Bank plc and Chair of the Board Risk Committee.

Non-Executive Director

Committee Membership: Risk and Remuneration Committee

Appointed: September 2023 (Bank Board)

Career history: Mark has held several senior executive positions in the financial services sector, most recently as Chief Operating Officer at Hastings Insurance Services Limited. He was appointed as Chief Operating Officer at Virgin Money, following the restructuring and sale of Northern Rock plc to Virgin Money. Prior to joining Northern Rock plc, Mark held senior executive positions at HBOS plc, leading Group Services, Group Technology and Chief Executive Officer of Intelligent Finance Bank, part of the HBOS group.

Society and External appointments: Member of the Group Board Audit Committee and Group Board Change Committee of the Board of Coventry Building Society. Advisor for Elixirr Consulting.

Non-Executive Director

Committee Membership: Audit, Remuneration (Chair)

Appointed: January 2025 (Bank Board)

Career History: Caroline has held many positions during her executive career in financial services. She spent the first 13 years of her career in retail banking at Barclays before joining Virgin as they moved into banking in the late 1990s. She was a member of the Executive Committee of Virgin Money until 2018. As Virgin Money’s Culture Director, Caroline led the successful cultural integration of Northern Rock and Virgin Money. She also led Virgin Money's social enterprise strategy. Caroline has seven years of experience as a Non-Executive Director.

Society and External appointments: Chair of the Remuneration Committee, member of the Nominations & Governance Committee and Group Board Risk Committee of Coventry Building Society. Director at Another Lens LLP.

Non-Executive Director

Committee Membership: Audit (Chair), Risk, and Values & Ethics and Nomination

Appointed: January 2025 (Bank Board)

Career history: Iraj was a senior partner with Deloitte for over 20 years, leading its national internal audit group and serving clients in the financial, retail and public sectors. He spent 10 years as Global Head of Internal Audit for Schroders plc. Iraj was a Trustee, and Chair of the Audit and Risk Committee and a member of the Investment Committee of NEST Pension, one of the largest pension administrators in the UK. Iraj was also a member of the Regulatory Decisions Committee at the Financial Conduct Authority.

Society and External appointments: Member of the Group Board Audit Committee and Group Board Risk Committee of Coventry Building Society. Chair of the Audit Committee at Aon UK Limited. Chair of the Audit and Risk Committee Chair at Eurocell plc.

Group Chief Executive Officer

Appointed: 1 August 2025 (Bank Board)

Career history: Steve has broad transformation, financial and operational experience in senior and board level roles within financial services and consumer goods sectors. Before joining the Society, Steve had been Chief Executive of Principality Building Society, and Finance Director of the Lloyds Banking Group General Insurance businesses. Steve also held the role of Non-Executive Director on the main Board of UK Finance and Chair of the Audit and Risk Committee of UK Finance.

Society and External appointments: Chair of the Non-Executive Directors’ Remuneration Committee at Coventry Building Society. Chair of the Audit Committee at the BSA council. Advisory Board Member of the Money and Pension Service. Member of the Payments Advisory Board for the Pennies Foundation. Member of the FCA Practitioner Panel.

Chief Executive Officer

Appointed: June 2025 (Bank Board)

Career history: Andrea brings over 24 years of experience in financial services, both in the UK and internationally, with a career spanning Retail and Commercial Banking. She has led P&Ls across multiple product lines and has been at the forefront of transformative change in the industry, including developments in Open Banking and Digital Currency. Andrea spent 16 years at Lloyds Banking Group before joining Santander UK, where she led Everyday Banking and Business Banking, and also served as CEO of Cater Allen Private Bank. She thrives at the intersection of customer, technology, and commercial strategy, and is passionate about building high-performing, purpose-driven teams.

Society and External appointments: Group Chief Commercial Officer at Coventry Building Society.

Chief Financial Officer

Appointed: April 2025 (Bank Board)

Career history: Richard has worked in financial services for over 30 years, in the UK and overseas. He joined the Bank in 2021 from Lloyds Banking Group where he was Finance Director for the Channel Islands and Isle of Man.

External appointments: None.