Executive Committee

David Power, Chief Executive Officer

David began his career at Standard Bank of South Africa, where he spent 17 years holding several senior positions including Head of Priority Banking and the Offshore Banking Group. After this he served as Divisional Director for Private Banking at Nedbank, South Africa and then moved to Kuwait as the Deputy General Manager of Gulf Bank.  He also held the positions of Group Chief Retail and Private Banking Officer for the National Bank of Oman and Head of Retail Banking for Commercial Bank International, Dubai.  Mr Power was also the Group Chief Retail and Private Banking Officer of Kuwait Finance House, Kuwait and later, Chief Executive Officer of Kuwait Finance House, Malaysia.

He has worked in multiple jurisdictions, including South Africa, the Middle East, South East Asia and the UK, holding several executive positions with responsibility for a wide variety of functions including Retail, Commercial, Small Business, Private Banking, Wealth Management and Offshore Banking.

David is a graduate of the University of Cape Town, South Africa and has several post graduate diplomas.  He has a CPIF (Chartered Professional in Islamic Finance), from CIFF Malaysia, an MDP from Ashridge, UK, a PIM from Henley, UK and an OWP from IMD Switzerland.

Mark Micallef, Chief Financial Officer

Mr Micallef was Deloitte Malta's Banking Advisory Leader, his specialist areas being banking risk, regulation, strategy and finance. Throughout his career, Mark has assisted banks and prudential regulators on various exercises ranging from risk governance and business strategy to supervisory credit risk and asset quality reviews.

Mark's auditing experience extends from Malta across international borders within the European market, such as the UK, Germany, Slovenia and Bulgaria. An auditor by profession, Mark is a Malta CPA warrant holder and a fellow member of the Association of Chartered Certified Accountants.

In the role of Chief Finance Officer, Mark is responsible for the financial governance of BNF Bank p.l.c. together with statutory and regulatory reporting, management reporting, budgets and forecasts, investment appraisal, taxation and investment operations.

George Debono, Chief Commercial Officer

In the role of Chief Commercial Officer at BNF Bank p.l.c.,
George Debono leads the Retail Banking, Commercial Banking, Business Development and Treasury Departments.

Mr Debono has over 25 years experience in the banking sector, during which he occupied various senior management roles, predominantly within Commercial Banking, Retail Banking and Risk. In 2010, Mr. Debono was entrusted with the establishment and management of HSBC Malta's first Premier Centre. Subsequently, he held various senior roles within HSBC Malta's Commercial Banking, heading its International Banking Unit, Mid-Market Enterprises and Corporate Real Estate and Hotels.

Mr Debono holds a Masters Degree with Distinction in International Banking and Finance from the University of Salford, Manchester, taught by Robert Kennedy College, Switzerland.


Dr Jean Noel Cutajar, Chief Legal Officer

Dr Jean Noel Cutajar is a lawyer by profession with his areas of expertise being focused on banking, finance and corporate law.

Further to obtaining his Doctorate of Laws from the University of Malta in 2010, Dr Cutajar also attained a Masters in Laws degree specializing in banking and finance from the University of London in 2017.

Throughout his career Dr Cutajar occupied the position of company secretary in different companies and held various roles at the Central Bank of Malta and HSBC Bank Malta p.l.c., amongst others.

Dr Cutajar also heads the Bank's Legal Department and is a visiting lecturer at the University of Malta.


Daniel Cutajar, Chief Technology Officer

As Chief Technology Officer, Mr. Daniel Cutajar is responsible for the implementation of the Bank's IT Strategy and digital transformation.

Prior to joining BNF Bank, Daniel was Head of Information Technology at Ferratum Bank, responsible for the IT function and overseeing the Bank's IT Strategy, IT Governance, business continuity and outsourcing agreements.

Mr. Cutajar was a member of Ferratum Bank's Executive Committee and the Group IT Management Committee. He also chaired the Bank's IT GRC (IT Governance, Risk & Compliance) Committee.

Mr. Cutajar is an IT professional with over 23 years of experience in the Maltese financial services industry holding various senior technical and management roles throughout his career.  Mr. Cutajar holds a Master degree in Business Administration eBusiness from the University of Malta. 


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