Risk Management Department

The Risk Management Department is the independent division of the bank in accordance with the approved organizational structure and reports to the Board of Directors of the bank. The main purpose of the department is to assist the Board of Directors and the Management Board in formation of an effective risk management system that ensures the identification, assessment, control and monitoring of risks.

The objectives of the Risk Management Department are:

• formation and implementation of the bank's unified risk management policy;
• organizational structure of the risk management system;
• monitoring the effectiveness of the risk management system;
• implementation of the corporate culture of risk management.

Head of Risk Management Department – Zhusumatova Saltanat Esenovna 

Zhusumatova Saltanat Esenovna has more than 15 years’ work experience in the banking system. After graduating from the Kyrgyz-Russian Slavic University with a degree in World Economy, she defended the Master's Degree in Regional Economics. In 2006, she began working in the Monetary Operations Department of the National Bank of the Kyrgyz Republic, and then in the Banking Supervision Department. In 2010, she headed the Risk Management Service of “Zalkar Bank” OJSC (in 2013 it was renamed to “Rosinbank” OJSC, in 2019 - to “Keremet Bank” OJSC). She possesses excellent theoretical and practical knowledge of risk management, has ISO FRM and IFRS certificates. And also she has a command of the Kyrgyz, Russian and English languages.