Dr. Stefan Schmittmann

Studied economics at St. Gallen University (Switzerland).
Graduated with a lic.oec degree.
Doctorate in economics from St. Gallen University (Switzerland).
Research assistant at the Institute of Banking and Finance at St. Gallen University.
Bayerische Hypo- und Vereinsbank AG, Munich, and prior to 1998: Bayerische Vereinsbank AG, activities included management roles in controlling, corporate, private customer and lending business, most recently divisional board member and Chief Credit Risk Officer.
Spokesman of the Management Board of the Vereins- und Westbank AG in Hamburg.
Divisional board member with Bayerische Hypo- und Vereinsbank AG, Munich, responsible for the "Germany, Corporate Customers and Liberal Professions" business division.
Management Board member with Bayerische Hypo- und Vereinsbank AG, Munich. Responsible for corporate client and commercial real estate business; Member of the Executive Committee UniCredit Corporate Division.
Member of the Board of Directors and Chief Risk Officer with Commerzbank AG, Frankfurt.
Chairman of the Supervisory Board of Commerzbank AG.
Freelance consultant (Of Counsel).