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The Bank's Credit Committee for corporate lending

The main goal of the Committee is to implement the Bank’s Credit Policy and form a portfolio of the Bank’s corporate lending operations with an acceptable level of risk in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan.

The main tasks of the Committee are as follows:

  • considering issues on corporate lending to legal entities, individual entrepreneurs without forming a legal entity;
  • implementing measures to reduce possible financial losses on credit operations;
  • control over the state of the loan portfolio of the Banking Services Center of the Bank on credit operations;
  • minimizing credit risk, increasing the efficiency of using the resources of the Bank’s BSC in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan;
  • control over the effectiveness of the credit risk management process of the Bank’s BSC in terms of corporate lending in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan;

Credit Committee on retail lending of the Bank

The main goal of the Committee is to implement the Bank’s Credit Policy and form a portfolio of the Bank’s retail lending operations with an acceptable level of risk in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan.

The main tasks of the Committee are as follows:

  • considering issues related to retail lending to individuals;
  • developing procedures and methods for internal control over the state of the retail loan portfolio for lending operations;
  • minimizing credit risk, increasing the efficiency of using the Bank’s resources in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan;
  • control over the effectiveness of the Bank’s credit risk management process in terms of retail lending in accordance with the Bank’s Credit Policy, internal policies and procedures of the Bank and the current legislation of the Republic of Uzbekistan;

Fanancial committee

The functions of the financial committee is to ensure the optimal balance between liquidity and profitability with adequate solvency of the bank.

Main tasks of the committee are the following:

  • participation in the development of the business plan and policies of the bank;
  • development and implementation of methods, schemes and mechanisms for optimizing the structure of the bank's assets and liabilities, providing control and analysis of the profitability of active and costly passive operations conducted in the bank in combination with their liquidity;
  • organization, coordination and performance of analytical work at the level providing adequate information for making timely management decisions regarding the management of active-passive transactions
  • organization and coordination of  innovative projects  development  in order to provide the  bank attractiveness in the banking services market  and  financial market.

Committee for evaluation, development and remuneration of personnel

The main goal of the HR Committee under the Management Board is to implement the Bank's HR policy.

The main tasks of the HR Committee under the Management Board include:

  • implementation of main provisions in the field of management and development of the Bank staff;
  • monitoring and optimization of the number of the Bank’s staff and its structural divisions for effective performance of the tasks set;
  • establishment/deprivation/reduction/increase of bonuses to official salaries and other types of payments to the Bank’s staff and its structural divisions within its competence;
  • monitoring compliance with corporate values, performance and labor discipline of the Bank’s staff and its structural divisions;
  • consideration of issues related to work with personnel for which a collective decision is required.

The HR Committee of the Management Board is responsible for evaluation, rewarding, punishment, and development of the following executives and other employees, other than employees who are part of the HR Committee under the Bank's Supervisory Board:

  • employees of the Head office, Central Operating Department (hereinafter referred to as the COD), and Bank Services Center;
  • employees of the Bank's branches included in the establishment of the Bank's Head office.
  • heads of structural divisions of the Bank branches (directorates, departments).

Bringing to financial responsibility and application of disciplinary punishments and retaliations (prevention, deprivation/reduction of bonuses, deprivation/reduction of premium) for misconduct of the above employees are subject to the decision of the HR Committee in accordance with the Bank’s applicable local acts and applicable laws.

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