Dr. Albina Romanyutina

• Responsibility for the entity-based Financial reporting • Preparation of IFRS reports for the auditors • Preparation of the internal reporting to the head office (IFRS) • Processing of Balance Sheet Adjustments (incl. intra group accounts) and P&L • Participation in projects outside of the standard reporting cycle (changes in the accounting & regulatory reporting environments, changes in the IT infrastructure).

Financial statement analysis Credit vetting Financial Ratios analysis Credit limit approval Credit and market risk analysis of customers Analytical and reporting support to senior managers Analysis of existing credit policies and suggestion on policies improvement

Financial statement analysis (IFRS, RAS) Cash flow forecasting Credit limits approval recommendation Company and industry research Conducting quarter and annual credit reviews and recommending appropriate action Customers Risk group identification Analytical and reporting support to senior managers Support of Top corporate clients lending process

Market activity analysis, industry research Management of corporate banking operations: granting loans, issuance of letters of guarantee, letter of credit, business card, executing payroll contracts, deposit, safe sells Draw up documents: revolving/nonrevolving credit line, suretyship, pledge, mortgage agreements Assessment of the stability and profitability of borrowers business Client and transaction management

Theme of research: Banks Potential in Implementation of Sustainable Development