Ray Calleja has been appointed head of consumer banking at Mediterranean Bank Plc.

Mr Calleja began his career in banking with Mid-Med Bank in 1978, which was taken over by HSBC in 1999. Throughout his career he occupied various managerial roles within the bank including at the bank's debt recoveries and factoring departments. He also worked as a premier relationship manager and later senior premier relationship manager heading a small team of relationship managers looking after a portfolio of high net worth customers.

He joined Credit Europe Bank NV, Malta Branch in November 2007 heading the retail banking unit, where he spearheaded the successful retail banking operation that opened in Malta offering savings and fixed term deposit accounts.

He recently moved to Mediterranean Bank as head of the consumer banking unit. Mr Calleja has an honours degree in financial services from the University of Manchester and is an associate of the Institute of Financial Services.

Mediterranean Bank is regulated by the MFSA and operates under the depositor compensation scheme established under the laws of Malta, which guarantees deposits up to €100,000 per person. The bank's offices, situated at 10, St Barbara Bastions, Valletta, are open Monday to Friday during office hours, offering term deposit accounts in euro and other major currencies, savings and wealth management, as well as other related services. Mediterranean Bank Plc is licensed by the MFSA under the Banking Act (1994). Full terms and conditions are available on request by phone on 2557 4400 or by e-mail info@medbank.com.mt.

www.medbank.com.mt

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