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Welcome to Absa Bank Moçambique
Absa Bank Mozambique, SA is part of Absa Group Limited, an African financial services group that aims to be the pride of the continent. Absa Group Limited is listed on the Johannesburg Stock Exchange in South Africa and is one of Africa’s largest diversified financial services groups with a presence in 12 countrieçs across the continent and around 42, 000 employees.
We are committed to finding local solutions to uniquely local challenges and everything we do is focused on adding value. To this end, we offer our clients a range of retail, business, corporate and investment, and wealth management solutions as well as ensure a positive impact in all the countries in which we operate.
What is our purpose?
Our purpose is to Empower Africa’s tomorrow, together - one story at a time.
We believe in creating opportunities for our customers to make their possibilities real and supporting them every step of the way
Our group is a future-focused organisation, driven by progress and our desire to thrive in the digital age.
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Board of directors
Victor Pedro Gomes
Chairman of the BoardVictor Pedro Gomes, a Mozambican national, holds a Master’s degree in Financial Economics from the University of London and a Bachelor’s degree in Management from Eduardo Mondlane University. With a career spanning several decades, he has gained extensive experience in both financial institutions and government bodies. He began his professional journey at the Commercial Bank of Angola as a Banking Technician and later joined the Bank of Mozambique, where he held various positions, including that of Deputy Governor. From 2014 to 2017, he served as Chairperson of the Board of Directors of Mozambique Ports and Railways Company. He is also a university lecturer in the fields of Management, Microeconomics, and Commercial Law, and works as an independent consultant. Victor Pedro Gomes has served as Chairperson of the Board of Directors of Absa Bank Mozambique since July 2024.
Pedro Carvalho
Executive Director (CEO)Pedro Carvalho, a Portuguese national, joined Absa Bank Mozambique in 2014 as Chief Operating Officer and member of the Executive Committee. In 2018, he assumed leadership of Retail and Business Banking, and in September 2022, he was appointed Chief Executive Officer (CEO).Prior to joining Absa, he held senior leadership roles at Grupo Atlântico in both Angola and Portugal, served as Chief Operating Officer at UBS Portugal, and held management positions at BPI. He holds a degree in Management and Accounting from the University of Porto and has completed executive education programmes at the Saïd Business School (University of Oxford), IESE Business School (University of Navarra), and the Retail Banking Academy in London, with a specialisation in Fintech and Artificial Intelligence. Pedro currently serves as Chief Executive Officer and Executive Director of Absa Bank Mozambique.
Motlatsi Mthimunye
Non-Executive DirectorMotlatsi Mthimunye, a South African national, is the Managing Director and Head of Sector Coverage for Corporate & Investment Banking at Absa Group Limited, based in Johannesburg. He is responsible for a broad portfolio of pan-African clients across sectors such as Consumer Goods, Telecommunications, Healthcare, Construction, and Agriculture. He previously led the Africa Inbound and Africa Desk teams within the Global Multinational Corporates segment. Motlatsi joined Absa in 2007 in the Leveraged Finance team, where he played a central role in executing strategic transactions across the Telecommunications, Media, and Technology (TMT) sectors. Prior to joining Absa, he worked in the Corporate Finance division at Deutsche Bank in Johannesburg. A Chartered Accountant (CA(SA)), he holds a Bachelor of Commerce and a Bachelor of Accounting from the University of the Witwatersrand. Motlatsi Mthimunye has served as BLRC Chairperson and NonExecutive Director of Absa Bank Mozambique since July 2019.
Sérgio Magalhães
Executive Director (CFO)Sérgio Magalhães, a Portuguese national, holds a degree in Mathematics with a specialisation in Actuarial Sciences and a postgraduate qualification in Financial Markets and Asset Management. He has 20 years of experience in the banking sector, having held senior roles in Portugal, Angola, and Mozambique across risk, treasury, derivatives, asset management, and investment. Before joining Absa, he was responsible for the establishment of a bank in Mozambique, where he served as Chief Executive Officer. A specialist in treasury, capital markets, and structured products, he has lectured at the Master’s programme in Economics and Management at Nova School of Business and Economics, and has published articles on interest rate derivatives in both Portugal and the United States. Sérgio has served as Chief Financial Officer of Absa Bank Mozambique since February 2018.
Maria Helena Paulo
Non-Executive DirectorAna Maria Nhampule, a Mozambican national, holds a PhD in Education from the Pontifical Catholic University of São Paulo, Brazil. She has over 30 years of experience in higher education, teacher training, and basic education. Since 2020, she has served as Vice-Rector for Administration and Finance at Joaquim Chissano University. Previously, she was Chairperson of the National Council for the Evaluation of Higher Education Quality (CNAQ), where she led national initiatives focused on accreditation and quality assurance. Throughout her academic career, she has contributed to curriculum development and coordinated methodological and pedagogical support in public higher education institutions, with a strong focus on gender equity and the promotion of inclusion. Ana Maria Nhampule has served as Chairperson of the Remuneration Committee (RemCo) and NonExecutive Director of Absa Bank Mozambique since January 2024.
Octávio Lucas
Non-Executive DirectorOctávio Lucas, a Mozambican national, holds a Master’s degree in Electronic Engineering from the University of Pretoria (1996) and a Bachelor’s degree in the same field from Eduardo Mondlane University (1987). He currently serves as Director of Kukwira SA, a human resources consultancy, and as Managing Director of IT Experts Lda, a technology consulting firm. From 2000 to 2016, he held senior leadership positions at Millennium BIM, where he was responsible for Information Technology Infrastructure and previously led the Networks and Communications division. He spearheaded critical modernization projects and played an active role in the technological integration that followed the merger of BCM and BIM banks. Earlier in his career, he was a lecturer and Head of the Department of Electrical and Electronic Engineering at Eduardo Mondlane University, where he made significant contributions to institutional development through projects funded by international partners. With over three decades of experience across the financial, academic, and corporate sectors, Octávio Lucas has served as a NonExecutive Director at Absa Bank Mozambique since May 2017.
Safura da Conceição
Non-Executive DirectorSafura da Conceição, a Mozambican national, brings over 25 years of multidisciplinary experience, with a strong focus on the logistics, investment, and biodiversity management sectors. She currently serves as Senior Advisor to MPDC – Maputo Port Development Company, where she contributes to the development of the 2043 Master Plan and provides guidance on operational efficiency. In parallel, she collaborates with Edgebold, supporting investment initiatives, management, and institutional relations. Previously, she served as Chief Executive Officer of SPI – Gestão e Investimento for 12 years, where she was actively involved in project structuring and negotiations in sectors including mobile telecommunications, electronic wallets, energy generation, and the cement industry. Her approach integrates strategic thinking, innovation, and a commitment to long-term value creation. With a vision grounded in sustainable and collective impact, Safura da Conceição has served as a Non-Executive Director of Absa Bank Mozambique since December 2020.
Ana Maria Nhampule
Non-Executive DirectorAna Maria Nhampule, a Mozambican national, holds a PhD in Education from the Pontifical Catholic University of São Paulo, Brazil. She has over 30 years of experience in higher education, teacher training, and basic education. Since 2020, she has served as Vice-Rector for Administration and Finance at Joaquim Chissano University. Previously, she was Chairperson of the National Council for the Evaluation of Higher Education Quality (CNAQ), where she led national initiatives focused on accreditation and quality assurance. Throughout her academic career, she has contributed to curriculum development and coordinated methodological and pedagogical support in public higher education institutions, with a strong focus on gender equity and the promotion of inclusion. Ana Maria Nhampule has served as Chairperson of the Remuneration Committee (RemCo) and NonExecutive Director of Absa Bank Mozambique since January 2024.
António Correia
Non-Executive DirectorAntónio Correia, a Mozambican national, has 26 years of professional experience, including 23 years in the banking sector. From 2015 to 2020, he served as Chief Executive Officer and Executive Board Member of Banco Único (Nedbank Group), where he led strategic planning, performance enhancement, team leadership, and corporate governance initiatives. He is currently an Executive Board Member of the JFS Group – João Ferreira dos Santos, which operates in the automotive, real estate, and rural development sectors. With solid expertise in risk management, crossfunctional leadership, and organizational transformation, he is widely recognized for his ability to inspire teams and guide institutions toward sustainable growth. António Correia has served as BRCC Chairperson and Non-Executive Director of Absa Bank Mozambique since January 2024.
Darrel Scott
Non-Executive DirectorDarrel Scott, a South African national and Chartered Accountant (CA(SA)), holds a Bachelor of Commerce and a Bachelor of Accounting from the University of the Witwatersrand, where he also completed a Higher Diploma in Taxation. He is also an alumnus of the High Performance Leadership Programme at the Saïd Business School, University of Oxford. He began his career at Coopers & Lybrand before joining Rand Merchant Bank in 1993 as Head of Tax. Following the merger with First National Bank, he served as Chief Financial Officer at FirstRand Bank and subsequently at the FirstRand Banking Group. In 2010, he was appointed to the International Accounting Standards Board (IASB), where he contributed to the development of international accounting standards. Since 2020, he has worked as a consultant to the World Bank Group, the IFRS Foundation, and the Malaysian Accounting Standards Board. In 2023, he joined the Board of Directors of Absa Financial Services Group as an Independent Non-Executive Director. Darrel Scott has served as a Non-Executive Director of Absa Bank Mozambique since June 2024.
Carlos dos Santos
Non-Executive DirectorCarlos dos Santos, a Mozambican national, brings over 35 years of experience in diplomacy, public administration, and executive leadership. He holds an Executive MBA from Baruch College, City University of New York, a Master’s degree in International Relations, and a Bachelor’s degree in Politics and Administration from the University of Zimbabwe. He currently serves as Executive Chairperson of Compass Group Holdings in Maputo and as Senior Adviser at Dentons Global Advisers – Albright Stonebridge Group in Washington, DC. Throughout his diplomatic career, he has represented Mozambique in key postings across the United States, Canada, the United Kingdom, Ireland, Germany, Austria, the Holy See, and at the United Nations, where he led critical negotiations on international security and development. He is recognised for his longstanding commitment to advancing Mozambique’s interests on the global stage and has served as a Non-Executive Director of Absa Bank Mozambique since September 2024.
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Country Management Committee
Pedro Carvalho
Chief Executive OfficerPedro Carvalho, a Portuguese national, joined Absa Bank Mozambique in 2014 as Chief Operating Officer and member of the Executive Committee. In 2018, he assumed leadership of Retail and Business Banking, and in September 2022, he was appointed Chief Executive Officer (CEO).Prior to joining Absa, he held senior leadership roles at Grupo Atlântico in both Angola and Portugal, served as Chief Operating Officer at UBS Portugal, and held management positions at BPI. He holds a degree in Management and Accounting from the University of Porto and has completed executive education programmes at the Saïd Business School (University of Oxford), IESE Business School (University of Navarra), and the Retail Banking Academy in London, with a specialisation in Fintech and Artificial Intelligence. Pedro currently serves as Chief Executive Officer and Executive Director of Absa Bank Mozambique.
Hanifa Hassangy
Human Capital DirectorHanifa Hassangy, a Mozambican national, brings over 20 years of experience in Human Resources. She holds an Honours degree in Organisational Psychology from ISPU – Instituto Superior Politécnico Universitário in Mozambique and completed the Senior Executive Leadership Programme at GIBS – Gordon Institute of Business Science, University of Pretoria. She began her career in 1998 at Cervejas de Moçambique (part of the SABMiller Group), where she spent seven and a half years. She later joined Vodacom as Human Resources and Development Manager, eventually becoming Human Resources Manager. In 2008, she joined British American Tobacco as Head of Human Resources for Mozambique, where she also led the HR agenda for Angola, Namibia, and Botswana. In April 2016, she transitioned to the banking sector, joining Absa Bank Mozambique. Hanifa has served as Human Capital Director of Absa Bank Mozambique since then.
Martha Humbane
Head of Retail and Business BankingMartha Humbane, a Mozambican national, has over 20 years of experience in the financial sector, gained through roles at leading pan-African banks. She holds a degree in Business Management from Eduardo Mondlane University and professional certifications in Structured Trade and Commodities Finance, Management and Leadership, and Anti-Money Laundering and Counter-Terrorism Financing. She joined Absa Bank Mozambique in 2015 as Head of Debt within the Corporate and Investment Banking division. She later led the Coverage Portfolios area, focusing on the consolidation of strategic partnerships. She currently serves as Retail and Business Banking Director and is a member of Absa Bank Mozambique’s Country Management Committee. In this role, she is responsible for managing the branch network, personal banking strategy, and the development of the SME segment, with a strong emphasis on sustainable growth and business expansion
Alberto Pitoro
Chief Risk OfficerAlberto Pitoro, a Mozambican national, joined Absa Bank Mozambique in 2008 as Market Risk Officer. Since then, he has held several positions of increasing responsibility, including Treasury Analyst and Head of Dealing. In 2013, he was appointed Head of Treasury, responsible for managing the Bank’s liquidity, funding, and financial markets operations. He is accredited by the ACI – Financial Markets Association as a Dealing Certificate Holder. Prior to joining Absa, he worked at the Central Bank of Mozambique in the Foreign Reserves Management Division, where he monitored the risks and performance of the country’s external reserves. He holds a degree in Business Management from Eduardo Mondlane University and completed the Africa Middle Management Development Programme at Absa, as well as various international training programmes, including a secondment at the World Bank Treasury in Washington, D.C. Alberto currently serves as Chief Risk Officer of Absa Bank Mozambique.
Tânia Oliveira
Head of Marketing and Corporate RelationsTânia Oliveira, a Mozambican national, has over 13 years of experience in the banking sector. She holds a degree in Management, a Postgraduate Diploma in Management, and a Master of Business Administration (MBA) from Instituto Universitário de Lisboa. Throughout her career, she has developed strong expertise in project management, customer service, logistics, facilities management, physical security, e-banking, product and service management, strategic marketing, branding, and team leadership. Before assuming her current role, she served as Head of Shared Services at Absa Bank Mozambique, overseeing CRES, Sourcing, Facilities, Physical Security, and Transportation. She played a key role in the renovation of the branch network and the development of the new Head Office project. A founding member of Banco Único, she held several leadership positions from its inception in 2011, actively contributing to the bank’s positioning, brand development, and quality strategy. Tânia currently serves as Marketing and Corporate Relations Director at Absa Bank Mozambique.
Patrícia Darsam
Head of Corporate and Investment BankingPatrícia Frechaut Darsam, a Mozambican national born in Maputo, has 15 years of experience in the banking sector. She holds an Honours degree in Business Administration from the Federal University of Minas Gerais (Brazil), and is an ACI Dealing Certificate holder, accredited by Peter Skerritt & Associates. Throughout her career, she has held several leadership roles at Absa Bank Mozambique, with a focus on Product, Markets, Trade Finance, Treasury, and Debt. From 2020 to 2023, she led the Corporate and Investment Banking (CIB) Product team, making a significant contribution to business growth. With deep knowledge of the Mozambican market and local banking operations, she has actively supported the Bank’s strategic positioning, including participation in macroeconomic initiatives and the publication of analytical articles. She is committed to operational excellence and team development, and consistently promotes leadership that enables others to grow while delivering results. Patrícia currently serves as Corporate and Investment Banking Director at Absa Bank Mozambique
Sérgio Magalhães
Chief Financial OfficerSérgio Magalhães, a Portuguese national, holds a degree in Mathematics with a specialisation in Actuarial Sciences and a postgraduate qualification in Financial Markets and Asset Management. He has 20 years of experience in the banking sector, having held senior roles in Portugal, Angola, and Mozambique across risk, treasury, derivatives, asset management, and investment. Before joining Absa, he was responsible for the establishment of a bank in Mozambique, where he served as Chief Executive Officer. A specialist in treasury, capital markets, and structured products, he has lectured at the Master’s programme in Economics and Management at Nova School of Business and Economics, and has published articles on interest rate derivatives in both Portugal and the United States. Sérgio has served as Chief Financial Officer of Absa Bank Mozambique since February 2018.
Jaikumar Sathish
Chief Information OfficerJaikumar Sathish, a Mozambican national, brings 18 years of experience in Information Technology, with a strong background in both the banking sector and software engineering. He holds a Bachelor of Engineering from the University of Madras (India) and holds multiple technical certifications in ITIL and Microsoft Technologies. He is also a Microsoft Certified Trainer. He currently serves as Interim Chief Information Officer at Absa Bank Mozambique, leading the Bank’s innovation, technology, and cybersecurity strategy, as well as the Data Management and Consolidated Security functions. Before joining Absa, he led the Business Transformation Department at BancABC (now Access Bank), where he was instrumental in implementing one of Mozambique’s most successful agency banking systems. He also spent six years at Barclays Bank Mozambique, with responsibilities in IT Programme Management, Change Management, and Process Automation. He is a founding member and mentor of the Orange Corners pre-incubation programme for young entrepreneurs in the Maputo region. Jaikumar currently serves as Chief Information Officer at Absa Bank Mozambique.
Ilia da Silva
Chief Transformation OfficerIlia da Silva, a Mozambican national, has 17 years of experience in the banking sector. He holds a Master’s degree in Applied Economics from Paris-Dauphine University and holds certifications in Competitive Intelligence (Institute for Competitive Intelligence), Strategic Decision and Risk Management (Stanford University), and Change Management (University of Oxford). He has also passed Level 1 of the CFA Programme. He began his career at Standard Bank, where he served as Corporate Credit Manager and later as Chief Business Information Officer (CBIO), co-leading the design and implementation of the bank’s Management Information System (MIS).Ilia joined Absa Bank Mozambique in 2015 as Chief of Staff & Change Enablement Lead, participating in Executive Committee and Board meetings as required. Throughout his career, he has held leadership roles in credit, business intelligence, institutional client coverage, and organisational transformation. Ilia currently serves as Chief Transformation Officer at Absa Bank Mozambique
Denise Cruz
Head of ChannelsDenise Salles da Cruz, a Mozambican national, holds an Honours degree in Retail Business Management from CPUT – Cape Peninsula University of Technology, in Cape Town, South Africa. She has over 14 years of experience in the banking sector and joined Absa Bank Mozambique (then Barclays Mozambique) in 2009 as Project Manager. Since then, she has built a multidisciplinary career, with experience in strategic project management, commercial offer design, management information analysis, sales, client service, and team leadership. She also worked within the Corporate Banking team, supporting the development of the Value Chain Banking model. In 2018, she was appointed Head of Digital and Physical Channels and Contact Centre within the Retail and Business Banking division. Denise currently serves as Channels Director at Absa Bank Mozambique.
Akila Ghumra
Head of OperationsAkila Ghumra, a Mozambican national, holds a degree in Business Administration, Management and Marketing from Lincoln University in the United Kingdom. She has also completed several management and leadership programmes, including at Duke University (South Africa) and the Absa Leadership Academy. Her international career began within the Barclays Group, where she worked as Project Manager at Barclays Zambia (now Absa Bank Zambia), and later as a Business Model Consultant at Barclays South Africa. She joined Absa Bank Mozambique in 2007 to lead the Products team, later assuming responsibility for Customer Experience and the Affluent Segment within Retail Banking. From 2019, she served as Head of Retail Products and Operations. Akila currently serves as Operations Director at Absa Bank Mozambique.
Iuri Khan
Director de ComplianceIuri Khan, a Mozambican national, has over 15 years of experience in the banking and insurance sectors in both Portugal and Mozambique. He began his career at Caixa Geral de Depósitos in Portugal, and subsequently worked at Santander Totta and CA Seguros, where he developed strong legal and operational expertise. In Mozambique, he held a position at Moza Banco before joining the Executive Management team at Banco MAIS, where he led the Legal, Compliance, and Organisation departments. He holds a Law degree from the University of Lisbon and a postgraduate qualification in Business Law from Universidade Nova de Lisboa. Iuri currently serves as Director of Compliance at Absa Bank Mozambique.
