{"id":16387,"date":"2019-12-06T17:14:01","date_gmt":"2019-12-06T14:14:01","guid":{"rendered":"https:\/\/bg.trycatch.gr\/?page_id=16387"},"modified":"2025-08-26T13:28:59","modified_gmt":"2025-08-26T13:28:59","slug":"credit-risk-management-conference","status":"publish","type":"page","link":"https:\/\/www.icapcrif.com\/bg\/en\/events\/credit-risk-management-conference\/","title":{"rendered":"Credit Risk Conference"},"content":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; background_color=&#8221;#ffffff&#8221; padding_bottom=&#8221;30&#8243;][vc_column][vc_tabs style=&#8221;boxed&#8221; el_class=&#8221;disabled-accordion&#8221;][vc_tab title=&#8221;2025&#8243; tab_id=&#8221;1744638578331-6-3&#8243;]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Evaluation Form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n        <a  itemprop=\"url\" href=\"https:\/\/survey.alchemer.com\/s3\/8339388\/16th-BG-CRC-evaluation-form\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Evaluation Form<\/a>    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Participation Form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n            <\/div>\n<\/div><\/div>[vc_single_image image=&#8221;30924&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space][vc_column_text]This year, we are delighted to welcome you once again to the 16th edition of the Annual Credit Risk Management Conference. Join us on June 11th, 2025, at Sofia Hotel Balkan.<\/p>\n<p>The agenda for this dynamic and insightful day is built around the theme Shaping the Future of Credit Risk: Data, Sustainability, and New Challenges.<\/p>\n<p>Considering recent developments at both European and national levels, ICAP CRIF is committed to creating a platform where esteemed professionals can share their expertise with you. This conference is designed for those eager to stay ahead of regulatory changes and industry trends that may impact their businesses. The strategies and insights shared during this event will provide valuable tools to support your ongoing success.<\/p>\n<p>Check below the agenda of the event! You have all the reasons to book your seat, right now!<\/p>\n<p>Also, follow us on <a href=\"https:\/\/www.linkedin.com\/showcase\/icap-crif-bulgaria\">LinkedIn<\/a>.[\/vc_column_text][vc_empty_space]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td valign=\"top\" nowrap=\"nowrap\"><strong>12:30 &#8211; 13:00<\/strong><\/td>\n<td><strong>\u00a0\u00a0 <\/strong><\/td>\n<td><strong>Registration &amp; Coffee<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:00 &#8211; 13:15<\/strong><\/td>\n<td><\/td>\n<td><strong>Welcome Speech<br \/>\n<\/strong><strong>Theodoros Polydoros, <\/strong>Director Executive,<strong> ICAP CRIF Bulgaria &amp; Romania<\/strong><br \/>\n<strong>Nikitas Konstantellos<\/strong>, President and CEO, <strong>ICAP CRIF<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:15 &#8211; 13:35<\/strong><\/td>\n<td><\/td>\n<td><strong>From Macroeconomy to Global Trends<\/strong><strong><br \/>\n<\/strong><strong>Andrei Radulescu <\/strong>\u2013 International Senior Macroeconomist <strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:35 &#8211; 15:25<\/strong><\/td>\n<td><\/td>\n<td><strong>Adapting to Economic Shifts: The New Frontier in Credit Risk Management<\/strong><\/p>\n<p><strong>The Role of Data-Driven Decision Making in Credit Risk <\/strong><\/p>\n<p><strong>Anand Dattani<\/strong> \u2013 WWN Sales Acceleration Manager, Data Integration Solutions <strong>D&amp;B<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Moderator: <strong>Anand Dattani<\/strong> \u2013 WWN Sales Acceleration Manager, Data Integration Solutions <strong>D&amp;B<\/strong><\/p>\n<p>Participations:<\/p>\n<p><strong>Petia Dekova<\/strong>, Senior Business Development Manager <strong>ICAP CRIF<\/strong> on the Importance of Payment Data in Credit Risk<\/p>\n<p><strong>Gergana Yordanova,<\/strong> Finical Controller, <strong>PERI BULGARIA <\/strong><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><strong>Dimitar Nedkov,<\/strong> Senior FP&amp;A Manager<strong> TELUS<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Effective Credit Portfolio Management<\/strong><\/p>\n<p><strong>Francesca Ralli<\/strong>, Director Global Marketing Services,\u00a0<strong>CRIF S.P.A. <\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Moderator: <strong>Francesca Ralli<\/strong>, Director Global Marketing Services,\u00a0<strong>CRIF S.P.A. <\/strong><\/p>\n<p>Participations:<\/p>\n<p><strong>Teodor Asenov, <\/strong>Team Leader Treasury<strong>, ORBICO BULGARIA<\/strong><\/p>\n<p><strong>Julian Rusev, <\/strong>Financial Risk &amp; Compliance Manager,<strong>\u00a0 DELAMODE BULGARIA<\/strong><\/p>\n<p><strong>Atanas Minev, <\/strong>Treasury and Credit Control Manager, <strong>HEIDELBERG MATERIALS DEVNYA <\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:25 &#8211; 15:45<\/strong><\/td>\n<td><\/td>\n<td><strong>Embracing Automation: Enhancing Efficiency and Agility in Business Processes <\/strong><\/p>\n<p><strong>Ioannis Lekos,<\/strong> Director Management Consulting, Data and Technology Solutions, <strong>ICAP CRIF<\/strong><\/p>\n<p><strong>Sunay Chobanov<\/strong>, General Manager, <strong>SARTEN BULGARIA <\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>15:45 &#8211; 16:00<\/strong><\/td>\n<td><\/td>\n<td><strong>Networking break <\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>16:00 &#8211; 17:30<\/strong><\/td>\n<td><\/td>\n<td><strong>Credit Risk Management: from Tradition to Innovation<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td>\n<table width=\"652\">\n<tbody>\n<tr>\n<td width=\"548\"><strong>Claudio Doronzo, <\/strong>Principal \u2013 Global Transformation Services at CRIF<\/p>\n<p>&nbsp;<\/p>\n<p><strong>The New Regulatory Requirements and the Credit Risk Management<\/strong><\/p>\n<p>New Regulations CRR3, AML and the Impact<\/p>\n<p>&nbsp;<\/p>\n<p>Moderator: <strong>Claudio Doronzo, <\/strong>Principal \u2013 Global Transformation Services CRIF Group<\/p>\n<p>Participants:<\/p>\n<p><strong>Tsveta Nikolova<\/strong>, Head Credit Risk Methodology and Capital Adequacy Control, <strong>Postbank<\/strong><\/p>\n<p><strong>Boyka Zagorova<\/strong>, Chief Compliance Officer and Member of the Board of Directors of <strong>International Asset Bank<\/strong><\/p>\n<p><strong>Myrto Kyriakidou<\/strong>, Executive Director of Credit Rating Agency,\u00a0<strong>ICAP CRIF<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Transformation in Credit Risk Management<\/strong><\/p>\n<p>Predictive Analytics Tools, Automation &amp; Digitalization, Digital payments<\/p>\n<p>Moderator: <strong>Claudio Doronzo<\/strong>, Director Global Transformation Services at\u00a0<strong>CRIF <\/strong><\/p>\n<p>Participants:<\/p>\n<p><strong>Stefan Ivanov,<\/strong> Head of Strategic Risk, <strong>UNICREDIT BULBANK<\/strong> <strong>\u00a0<\/strong><\/p>\n<p><strong>Iordan Souvandjiev<\/strong>, Chief Risk Officer, <strong>ALLIANZ BANK BULGARIA AD<\/strong><\/p>\n<p><strong>Spiros Giourgas, <\/strong>Executive Director Digital and Transformation Services,\u00a0<strong>ICAP CRIF<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>17:30 &#8211; 17:50<\/strong><\/td>\n<td><\/td>\n<td><strong>AI Unleashed: Transforming Corporate Growth and Culture with Generative AI<\/strong><\/p>\n<p><strong>Natalia Shchelovanova<\/strong>, Director Global Innovation and Startups Ecosystem,\u00a0<strong>InnoVecos<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>17:50 &#8211; 18:30<\/strong><\/td>\n<td><\/td>\n<td><strong>The ESG Dilemma: When the Sustainable Goals Meet Realities<\/strong><\/p>\n<p>Moderator: <strong>Simone Rampichini<\/strong>, Director of ESG, <strong>CRIF<\/strong><\/p>\n<p><strong>Stefan Todorov, C<\/strong>onsultant<strong>, GLOBAL BUSINESS GROUP<\/strong><\/p>\n<p><strong>Valentin Savov, <\/strong>Lawyer<strong>,<\/strong> <strong>SAVOV LAW<\/strong><\/p>\n<p><strong>Evgenia Pavlova, <\/strong>Sustainability Manager,<strong> VIVACOM<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>18:30<\/strong><\/td>\n<td><\/td>\n<td><strong>End of Conference &amp; Business cocktail<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Presentations    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/The_role_of_data_in_credit_risk_Anand.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Anand Dattani<\/strong>, International Partner Sales Enablement, Dun &amp; Bradstreet (D&amp;B), International<\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/Macroeconomic_Climate.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Andrei Radulescu<\/strong>, Member, Bretton Woods Committee Senior Researcher Institute of World Economy, Romanian Academy<\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/Credit_Risk_Management_from_Tradition_to_Innovation.pdf\" target=\"_blank\" rel=\"noopener\"><strong>1st Panel: Credit Risk Management from Tradition to Innovation<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/2025-synesgy-global_observatory-2nd-edition.pdf\" target=\"_blank\" rel=\"noopener\"><strong>The ESG Dilemma: When the Sustainable Goals Meet Realities<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/Welcome_Speech_NIKITAS_KONSTANTELOS.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Nikitas Konstantellos, President &amp; Chief Executive Officer, ICAP CRIF<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2025-CRC\/CRIF_PPT_portfolio_analysis.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Francesca Ralli, Director Global Marketing Services,\u00a0CRIF S.P.A.<\/strong><\/a>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_tta_section tab_id=&#8221;1746688901975-5302cf47-edab&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27480&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Nikitas Konstantellos<\/strong><\/p>\n<p style=\"text-align: center;\">President &amp; Chief Executive Officer<br \/>\nICAP CRIF<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-konstantellos-cv\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27549&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Myrto Kyriakidou<\/strong><\/p>\n<p style=\"text-align: center;\">Executive Director of\u00a0 Credit Rating Agency ICAP CRIF<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-kyriakidou-cv\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27624&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Andrei R\u0103dulescu, <\/strong><\/p>\n<p style=\"text-align: center;\">International Senior Macroeconomist<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-radulescu-cv\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"color: #ef7b10;\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31451&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Claudio Doronzo<\/strong><\/p>\n<p style=\"text-align: center;\">Principal \u2013 Global Transformation Services CRIF Group<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-claudio\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"color: #ef7b10;\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section tab_id=&#8221;1747122213655-a0ae53e2-91ea&#8221;][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31239&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Petia Dekova <\/strong><\/p>\n<p style=\"text-align: center;\">Senior Business Development Manager<br \/>\nICAP CRIF<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-petia\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31241&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Spiros Giourgas<\/strong><br \/>\nExecutive Director, Digital and Transformation \u2013 ICAP CRIF<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-giourgas\/ \u200e\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31243&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Yiannis Lekos<\/strong><\/p>\n<p style=\"text-align: center;\">Director, Management Consulting, Data &amp; Technology Solutions<\/p>\n<p style=\"text-align: center;\">ICAP CRIF<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-lekkos\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"color: #ef7b10;\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31246&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Anand Dattani<\/strong><\/p>\n<p style=\"text-align: center;\">International Partner Sales Enablement<br \/>\nDun &amp; Bradstreet (D&amp;B), International<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/crc-anand\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"color: #ef7b10;\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section tab_id=&#8221;1747127674430-755af5e1-9307&#8243;][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;26885&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Simone Rampichini<\/strong><br \/>\nSenior Director<strong>, SynESGy CRIF<\/strong><\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/14th-crc-rampichini\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31301&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Natalia Shchelovanova<\/strong><br \/>\nGlobal Open Innovation and Ecosystem<br \/>\nInnovEcos at CRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31359&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Boyka Zagorova<\/strong><\/p>\n<p style=\"text-align: center;\">Director of the Regulatory Compliance Department<\/p>\n<p style=\"text-align: center;\">International Asset Bank AD.<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-zagorova\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31446&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><span data-teams=\"true\"><strong>Stefan Ivanov<\/strong><br \/>\nHead of\u00a0Enterprise and Credit Risks<br \/>\nUniCredit Bulbank<\/span><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-stefan\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section tab_id=&#8221;1747993305735-eeaf9f1a-f533&#8243;][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27777&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Iordan Souvandjiev<\/strong><br \/>\nChief Risk Officer and Member of the Management board, Allianz Bank Bulgaria<br \/>\nMember of the Board of Directors, Allianz Leasing Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-souvandjiev-cv\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31562&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Valentin Savov,<\/strong><br \/>\nBulgarian lawyer,<br \/>\nSavov &amp; Partners law firm<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-savov\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31614&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Gergana Yordanova,<\/strong><\/p>\n<p style=\"text-align: center;\">Finance Manager,<\/p>\n<p style=\"text-align: center;\">Peri Bulgaria EOOD<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/16th-crc-gergana\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31621&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Stefan Todorov,<\/strong><\/p>\n<p style=\"text-align: center;\">Procurator &amp; partner,<\/p>\n<p style=\"text-align: center;\">Global Business Group Ltd.<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-todorov\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][\/vc_row_inner][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31630&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Julian Rusev,<\/strong><\/p>\n<p style=\"text-align: center;\">Financial Risk &amp; Compliance Manager,<\/p>\n<p style=\"text-align: center;\">Delamode Bulgaria<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/16th-crc-rusev\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31633&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Atanas Minev<\/strong><\/p>\n<p style=\"text-align: center;\">Treasury and Credit Control Manager<\/p>\n<p style=\"text-align: center;\">Heidelberg Materials Devnya JSC.<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-atanas\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[vc_empty_space][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31667&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dimitar Nedkov,<\/strong><\/p>\n<p style=\"text-align: center;\">Global Credit Risk Lead,<\/p>\n<p style=\"text-align: center;\">TELUS Digital<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/16th-crc-dimitar\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31671&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Evgenia Pavlova, <\/strong><\/p>\n<p style=\"text-align: center;\">Sustainability Manager,<\/p>\n<p style=\"text-align: center;\"><strong>VIVACOM<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-evgenia\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31716&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Sunay F. Chobanov,<\/strong><\/p>\n<p style=\"text-align: center;\">\u039canaging Director \/ Management Consultant,<\/p>\n<p style=\"text-align: center;\">SARTEN BULGARIA<\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/16th-crc-sunay\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31719&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Tsveta Nikolova<\/strong>,<\/p>\n<p style=\"text-align: center;\">Head Credit Risk Methodology and Capital Adequacy Control,<\/p>\n<p style=\"text-align: center;\"><strong>POSTBANK <\/strong><\/p>\n<p>[\/vc_column_text][vc_empty_space]<a  itemprop=\"url\" href=\"\/bg\/en\/16th-crc-tsveta\/\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;31855&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Teodor Asenov,<\/strong><\/p>\n<p style=\"text-align: center;\">Treasury Team Leader,<\/p>\n<p style=\"text-align: center;\"><strong>ORBICO BULGARIA<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\" target=\"_self\"  class=\"qbutton  default\" style=\"\">Read the CV<\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_tta_section]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content \" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31101\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/PB_LOGO_RGB_NO_SLUG-BG.png\" alt=\"\" width=\"295\" height=\"135\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/PB_LOGO_RGB_NO_SLUG-BG.png 527w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/PB_LOGO_RGB_NO_SLUG-BG-300x138.png 300w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27610\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-300x263.png\" alt=\"\" width=\"100\" height=\"88\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-300x263.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-768x674.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-700x615.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo.png 1000w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23850\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/JPlogo.png\" alt=\"\" width=\"70\" height=\"86\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31286\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo.png\" alt=\"\" width=\"235\" height=\"61\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo.png 4366w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-300x78.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-1024x265.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-768x199.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-1536x398.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-2048x531.png 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Clico-IBM_logo-700x181.png 700w\" sizes=\"(max-width: 235px) 100vw, 235px\" \/>\u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31440\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/LOGO5.png\" alt=\"\" width=\"236\" height=\"40\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/LOGO5.png 613w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/LOGO5-300x50.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/LOGO5-600x103.png 600w\" sizes=\"(max-width: 236px) 100vw, 236px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31548\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Orbico-logo-700x137-1.jpg\" alt=\"\" width=\"220\" height=\"43\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Orbico-logo-700x137-1.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Orbico-logo-700x137-1-300x59.jpg 300w\" sizes=\"(max-width: 220px) 100vw, 220px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Supporters<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31037\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/bulgarian-business-leaders.png\" alt=\"\" width=\"114\" height=\"114\" \/>\u00a0 \u00a0\u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31127 \" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/confidustria-e1746435714562.png\" alt=\"\" width=\"200\" height=\"71\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/confidustria-e1746435714562.png 966w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/confidustria-e1746435714562-300x107.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/confidustria-e1746435714562-768x273.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/confidustria-e1746435714562-700x249.png 700w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31236\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1.png\" alt=\"\" width=\"64\" height=\"105\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1.png 1654w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-184x300.png 184w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-627x1024.png 627w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-768x1255.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-940x1536.png 940w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-1254x2048.png 1254w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-BRCC-portrait-1-700x1144.png 700w\" sizes=\"(max-width: 64px) 100vw, 64px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31585\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Logo-CCIB-Italian-Chamber-of-Commerce-in-Bulgaria.png\" alt=\"\" width=\"185\" height=\"125\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-25600\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v.jpg\" alt=\"\" width=\"141\" height=\"94\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v.jpg 1500w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v-300x199.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v-1024x679.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v-768x509.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/BCCi27_logo-new_v-700x464.jpg 700w\" sizes=\"(max-width: 141px) 100vw, 141px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15933\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"116\" height=\"71\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1024x626.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-768x469.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1536x939.jpg 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-700x428.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB.jpg 1590w\" sizes=\"(max-width: 116px) 100vw, 116px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31591\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/CRS2025.png\" alt=\"\" width=\"132\" height=\"82\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/CRS2025.png 556w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/CRS2025-300x186.png 300w\" sizes=\"(max-width: 132px) 100vw, 132px\" \/>\u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31643\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/bultisad-horizontal-300x93-1.png\" alt=\"\" width=\"165\" height=\"51\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Media Partners<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-30945\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNext_colorful-1.png\" alt=\"\" width=\"147\" height=\"73\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-30943\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful.png\" alt=\"\" width=\"178\" height=\"35\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful.png 1366w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful-300x59.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful-1024x202.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful-768x152.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/SeeNews_logo_colorful-700x138.png 700w\" sizes=\"(max-width: 178px) 100vw, 178px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31006\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/bwy.png\" alt=\"\" width=\"133\" height=\"45\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/bwy.png 2000w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/bwy-300x101.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/bwy-1024x346.png 1024w, 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https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/LBC_2025_LOGO_20_Years_for_print_450ppi_I_Y-01-1024x357.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/LBC_2025_LOGO_20_Years_for_print_450ppi_I_Y-01-768x267.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/LBC_2025_LOGO_20_Years_for_print_450ppi_I_Y-01-1536x535.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/LBC_2025_LOGO_20_Years_for_print_450ppi_I_Y-01-2048x713.png 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/04\/LBC_2025_LOGO_20_Years_for_print_450ppi_I_Y-01-700x244.png 700w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31153\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2.png\" alt=\"\" width=\"224\" height=\"44\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2.png 1080w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2-300x59.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2-1024x201.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2-768x151.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/\u03bb\u03bf\u03b3\u03bf-\u03bb\u03b9\u03b4\u03b5\u03c1-2-700x137.png 700w\" sizes=\"(max-width: 224px) 100vw, 224px\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31325\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black.png\" alt=\"\" width=\"176\" height=\"24\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black.png 1700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black-300x41.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black-1024x140.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black-768x105.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black-1536x210.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/Capital_logo_black-700x96.png 700w\" sizes=\"(max-width: 176px) 100vw, 176px\" \/>\u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31575\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo.jpg\" alt=\"\" width=\"146\" height=\"45\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo.jpg 1535w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo-300x92.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo-1024x315.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo-768x236.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/BGlobal_logo-700x215.jpg 700w\" sizes=\"(max-width: 146px) 100vw, 146px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>CSR Partner<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31139\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2025\/05\/gg.jpg\" alt=\"\" width=\"134\" height=\"49\" \/>[\/vc_column_text]    <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2024&#8243; tab_id=&#8221;1711521894869-5-3&#8243;][vc_single_image image=&#8221;26870&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space height=&#8221;20px&#8221;]<a  itemprop=\"url\" href=\"https:\/\/survey.alchemer.com\/s3\/7883226\/15th-BG-CRC-evaluation-form\" target=\"_blank\"  class=\"qbutton  default\" style=\"\">Evaluation Form<i class=\"qode_icon_font_awesome fa fa-list qode_button_icon_element\" style=\"\" ><\/i><\/a>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>ICAP CRIF BULGARIA<\/strong> is organizing the <strong>15th Annual Credit Risk Management Conference<\/strong>. The event will take place on <strong>June 12th , 2024<\/strong> at <strong>Sofia Hotel Balkan<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>Sustainability, social responsibility, and governance are at the core of the conference this year \u2013 <strong>ESG Impact on Credit Risk: Navigating the Challenges<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Bulgarian and international keynote speakers<\/strong> will provide useful information on topics \u2013 ESG, Future of Credit Risk Services &amp; Data Analytics, Ratings, Compliance, Innovation in Credit Risk Management, Alternative data sources for credit scoring, The role of technology in risk management.<\/p>\n<p>&nbsp;<\/p>\n<p>The 15th Credit Risk Management Conference organized by ICAP CRIF aims, this year too, to create the proper framework for debating concepts and new regulations that can affect the evolution of businesses and industries in which you operate, as well as to bring to the forefront ideas, strategies and new tactics that can help you in your current activity.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680687277179{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;][\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td valign=\"top\" nowrap=\"nowrap\"><strong>12:30 &#8211; 13:00<\/strong><\/td>\n<td><strong>\u00a0\u00a0 <\/strong><\/td>\n<td><strong>Coffee &amp; Registration<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:00 &#8211; 13:15<\/strong><\/td>\n<td><\/td>\n<td><strong>Welcome Speech<br \/>\n<\/strong><strong>Nikitas Konstantellos, <\/strong>President and Executive Director, <strong>ICAP CRIF<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:15 &#8211; 13:30<\/strong><\/td>\n<td><\/td>\n<td><strong>From Macroeconomy to Global Trends<\/strong><br \/>\n<strong>Andrei Radulescu<\/strong>, Member, Bretton Woods Committee, Senior Researcher, <strong>Institute for World Economy Romanian Academy<br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:30 &#8211; 13:40<\/strong><\/td>\n<td><\/td>\n<td><strong>ESG Impact on Investment Climate<br \/>\nMila Nenova<\/strong>, Executive Director, <strong>Invest Bulgaria Agency<br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:40 &#8211; 14:30<\/strong><\/td>\n<td><\/td>\n<td><strong>Panel discussion: Future of Credit Risk Services &amp; Advanced Analytics<\/strong><br \/>\nModerator: <strong>Myrto Kyriakidou<\/strong>, Executive Director of CRA, <strong>ICAP CRIF<br \/>\nAleksander Nedekov<\/strong>, Head of Risk Management &amp; Analysis Unit, <strong>Fund of Funds<br \/>\nDimitar Dilov<\/strong>, Executive Director, Member of The BoD &amp; CRO, <strong>DSK Bank<br \/>\n<\/strong><strong>Iordan Souvandjiev<\/strong>, CRO &amp; Member of The BoD at <strong>Allianz Bank Bulgaria<br \/>\nGiorgio Costantino<\/strong>, Executive Director Global Transformation Services, <strong>CRIF<br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>14:30 &#8211; 15:20<\/strong><\/td>\n<td><\/td>\n<td><strong>Panel discussion: Opportunities &amp; Constraints Coming with The New European Regulations<br \/>\n<\/strong>Moderator: <strong>Victor Gugushev<\/strong>, Senior Partner, <strong>Gugushev &amp; Partners Law Office<\/strong><br \/>\n<strong>Maria Luisa Cardini<\/strong>, KYC &amp; Compliance Solutions Senior Manager, <strong>CRIF<br \/>\nMila Razsolkova, <\/strong>COO,<strong> UniCredit Bulbank<br \/>\n<\/strong><strong>Radoslav Pashov<\/strong>, Group CFO &amp; Member of The BoD of <strong>Svepol<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:20 &#8211; 15:35<\/strong><\/td>\n<td><\/td>\n<td><strong>Holistic Risk Management in MFI\u00b4s or How to Build Risk Intelligent Enterprise<\/strong><br \/>\n<strong>Ivelina Antova<\/strong>, Chief Risk Officer, <strong>IUTE CREDIT &amp; Taavi Saat \u2013 Group Head of Enterprise Risk Management\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:35 &#8211; 15:50<\/strong><\/td>\n<td><\/td>\n<td>Networking break<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:50 &#8211; 16:50<\/strong><\/td>\n<td><\/td>\n<td><strong>Panel discussion: Increase Customer Lifetime Value in The Digital Era<br \/>\n<\/strong>Moderator: <strong>Leonardo Piva<\/strong>, Corporate Business Development Senior Director at <strong>CRIF<br \/>\nAnita Yankova<\/strong>, Head of Digital Transformation and Performance Analysis Department Wholesale Banking Sector , <strong>Postbank<br \/>\nMohamed Ibrahim<\/strong>, Senior Manager Business Assurance, <strong>MAGENTA<br \/>\nGiancarlo Gargiulo, <\/strong>CEO, <strong>Optima Italia Spa<br \/>\nIvan Ivanov<\/strong>, Director Retail Banking, <strong>BACB<br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>16:50 &#8211; 18:20<\/strong><\/td>\n<td><\/td>\n<td><strong>Panel discussion: ESG, Reporting and Supply Chain. What thousands of companies are already doing and what you are missing\u2026<\/strong><br \/>\nModerator: <strong>Simone Rampichini<\/strong>, Director of ESG, <strong>CRIF<br \/>\nSvetoslav Mladenov<\/strong>, CEO &amp; Member of The BoD of <strong>Smart Solar Technologies<br \/>\nGoritsa Marova<\/strong>, Sustainable Development &amp; ESG Risk Management, <strong>DSK Bank<br \/>\nKonstantin Kirov<\/strong>, Head of Sustainability Department, <strong>Procredit Bank<br \/>\n<\/strong><strong>Kalina Kisyova<\/strong>, General Manager Corporate and SME Product and Business development, <strong>UBB<br \/>\n<\/strong><strong>Yannis Tomasides,<\/strong>\u00a0General Manager, <strong>Artemis Credit Bureau<br \/>\nDesislava Apostolova<\/strong>, Procurement Manager, <strong>Orbico Bulgaria<br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>18:20<\/strong><\/td>\n<td><\/td>\n<td>End of Conference &amp; Business cocktail<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-address-card \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Presentations    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2024-CRC\/BG_CRC-2024_Nikitas-Konstantellos-Presentation.pdf\"><strong>Nikitas Konstantellos<\/strong>, President and Executive Director, ICAP CRIF<\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2024-CRC\/BG_CRC-2024_Andrei-Radulescu-Presentation.pdf\"><strong>Andrei Radulescu<\/strong>, Member, Bretton Woods Committee, Senior Researcher, Institute for World Economy Romanian Academy<\/a><\/p>\n<p><a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2024-CRC\/BG_CRC-2024-Mila-Nenova-Presentation.pdf\"><strong>Mila Nenova<\/strong>, Executive Director, Invest Bulgaria Agency<\/a><\/p>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text][\/vc_column_text][vc_tta_section tab_id=&#8221;1711521895937-f2ddd082-4920&#8243;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;26885&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Simone Rampichini<\/strong><br \/>\nDirector ESG<br \/>\nCRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-sp-rampichini-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27154&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Maria Luisa Cardini<\/strong><br \/>\nKYC &amp; Compliance Solutions Senior Manager<br \/>\nCRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-cardini-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27480&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Nikitas Konstantellos<\/strong><br \/>\nPresident &amp; Chief Executive Officer<br \/>\nICAP CRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-konstantellos-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27254&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Leonardo Piva<\/strong><br \/>\nCorporate Business Development Senior Director<br \/>\nCRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-piva-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27404&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Mohamed Ibrahim<br \/>\n<\/strong>Senior Manager Business Assurance<br \/>\nMAGENTA<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-ibrahim-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27408&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Konstantin Kirov<br \/>\n<\/strong>Head of Sustainability Department<br \/>\nProCredit Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-kirov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27418&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Svetoslav Mladenov<br \/>\n<\/strong>CEO &amp; Member of The BoD<br \/>\nSmart Solar Technologies<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-mladenov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27449&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Goritsa Marova<br \/>\n<\/strong>Sustainable Development &amp; ESG Risk Management<br \/>\nDSK Bank<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-marova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27453&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Kalina Kisyova<br \/>\n<\/strong>General Manager Corporate<br \/>\nUBB<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-kisyova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27457&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Victor Gugushev<br \/>\n<\/strong>Senior Partner<br \/>\nGugushev &amp; Partners Law Office<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-gugushev-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27577&#8243; img_size=&#8221;100X150&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Radoslav Pashov<br \/>\n<\/strong>Group CFO and Board Member<br \/>\nSvepol Jsc<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-pashov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27501&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Mila Nenova<br \/>\n<\/strong>Executive Director<br \/>\nInvest Bulgaria Agency<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-nenova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27523&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Giancarlo Gargiulo<br \/>\n<\/strong>CEO<br \/>\nOptima Italia Spa<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-gargiulo-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27549&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Myrto Kyriakidou<br \/>\n<\/strong>Executive Director of\u00a0 Credit Rating Agency<br \/>\nICAP CRIF<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-kyriakidou-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27589&#8243; img_size=&#8221;100X150&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Yiannis Tomasides<br \/>\n<\/strong>General Manager<br \/>\nArtemis Credit Bureau<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-tomasides-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27596&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Ivan Ivanov<br \/>\n<\/strong>Director Retail Banking<br \/>\nBACB<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-i-ivanov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27603&#8243; img_size=&#8221;100X120&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Mila Razsolkova<br \/>\n<\/strong>COO<br \/>\nUniCredit Bulbank<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-razsolkova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27624&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Andrei R\u0103dulescu<br \/>\n<\/strong>Member, Bretton Woods Committee Senior Researcher<br \/>\nInstitute of World Economy, Romanian Academy<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-radulescu-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27629&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Aleksander Nedekov<br \/>\n<\/strong>Head of Risk Management and Analysis Unit<br \/>\nFund of Funds<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-nedekov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27638&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dimitar Dilov<br \/>\n<\/strong>Member of the Board and Executive Director<br \/>\nDSK Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-dilov-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27672&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Desislava Apostolova<br \/>\n<\/strong>Procurement Manager<br \/>\nOrbico Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-apostolova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27718&#8243; img_size=&#8221;100X120&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Anita Yankova<br \/>\n<\/strong>Head of Digital transformation and performance analysis department<br \/>\nPostbank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-yankova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27777&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Iordan Souvandjiev<br \/>\n<\/strong>Chief Risk Officer and Member of the Management board<br \/>\nAllianz Bank Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-souvandjiev-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27786&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Taavi Saat<br \/>\n<\/strong>Group Head of ERM<br \/>\nIUTE CREDIT<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-saat-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27820&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Ivelina Antova<br \/>\n<\/strong>Chief Risk Officer<br \/>\nIute Credit Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-antova-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;27848&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Giorgio Costantino<br \/>\n<\/strong>Executive Director \u2010 Global Transformation Services<br \/>\nCRIF Group<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/crc-costantino-cv\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_tta_section]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>General Partner:<\/h4>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27472\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Energy-logo-300x119.jpg\" alt=\"\" width=\"239\" height=\"95\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Energy-logo-300x119.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Energy-logo-768x306.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Energy-logo-700x279.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Energy-logo.jpg 914w\" sizes=\"(max-width: 239px) 100vw, 239px\" \/>\u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27474\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Solar-logo-300x119.jpg\" alt=\"\" width=\"242\" height=\"96\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Solar-logo-300x119.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Solar-logo-768x305.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Solar-logo-700x278.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Smart-Solar-logo.jpg 902w\" sizes=\"(max-width: 242px) 100vw, 242px\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<h4>\u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27609\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-300x263.png\" alt=\"\" width=\"131\" height=\"115\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-300x263.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-768x674.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo-700x615.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Sofia-Balkan-Palace-Green-logo.png 1000w\" sizes=\"(max-width: 131px) 100vw, 131px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23851\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/JPlogo.png\" alt=\"\" width=\"83\" height=\"102\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27185\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo-300x116.jpg\" alt=\"\" width=\"215\" height=\"83\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo-300x116.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo-1024x398.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo-768x298.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo-700x272.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/IUTE_logo.jpg 1154w\" sizes=\"(max-width: 215px) 100vw, 215px\" \/><\/h4>\n<p>&nbsp;<\/p>\n<h4>\u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-25497\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo-300x59.jpg\" alt=\"\" width=\"244\" height=\"48\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo-300x59.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo-1024x201.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo-768x151.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo-700x137.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/11\/Orbico-logo.jpg 1167w\" sizes=\"(max-width: 244px) 100vw, 244px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27411\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Eurofast-logo-300x53.png\" alt=\"\" width=\"266\" height=\"47\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Eurofast-logo-300x53.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Eurofast-logo.png 696w\" sizes=\"(max-width: 266px) 100vw, 266px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-27687\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web-300x75.jpg\" alt=\"\" width=\"300\" height=\"75\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web-300x75.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web-1024x256.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web-768x192.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web-700x175.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Mussala-logo-web.jpg 1355w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Supporters:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21412\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png\" alt=\"\" width=\"139\" height=\"119\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF.png 331w\" sizes=\"(max-width: 139px) 100vw, 139px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15935\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg\" alt=\"\" width=\"128\" height=\"85\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-1024x679.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-768x509.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-700x464.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v.jpg 1500w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15933\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"133\" height=\"81\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1024x626.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-768x469.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1536x939.jpg 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-700x428.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB.jpg 1590w\" sizes=\"(max-width: 133px) 100vw, 133px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15955\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-300x276.jpg\" alt=\"\" width=\"102\" height=\"94\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-300x276.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-1024x941.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-768x706.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-1536x1411.jpg 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-2048x1882.jpg 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-700x643.jpg 700w\" sizes=\"(max-width: 102px) 100vw, 102px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15937\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/10\/orizzontale3.png\" alt=\"\" width=\"168\" height=\"50\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23680\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-300x93.png\" alt=\"\" width=\"152\" height=\"47\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-300x93.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-1024x317.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-768x238.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-1536x475.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-2048x634.png 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-700x217.png 700w\" sizes=\"(max-width: 152px) 100vw, 152px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27413\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bait-logo-en.jpg\" alt=\"\" width=\"108\" height=\"83\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27571\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo-300x138.png\" alt=\"\" width=\"126\" height=\"58\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo-300x138.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo-1024x470.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo-768x352.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo-700x321.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/05\/Bulgarian-Romanian-chamber-logo.png 1251w\" sizes=\"(max-width: 126px) 100vw, 126px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p>&nbsp;<\/p>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15940\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg\" alt=\"\" width=\"144\" height=\"44\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-1024x315.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-768x236.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-700x215.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo.jpg 1535w\" sizes=\"(max-width: 144px) 100vw, 144px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21443\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png\" alt=\"\" width=\"227\" height=\"43\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP.png 472w\" sizes=\"(max-width: 227px) 100vw, 227px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23770\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo-300x143.jpg\" alt=\"\" width=\"111\" height=\"53\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo-300x143.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo.jpg 401w\" sizes=\"(max-width: 111px) 100vw, 111px\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23942\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-300x71.jpg\" alt=\"\" width=\"156\" height=\"37\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-300x71.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-768x180.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-700x165.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo.jpg 1000w\" sizes=\"(max-width: 156px) 100vw, 156px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-26875\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo-300x82.jpg\" alt=\"\" width=\"165\" height=\"45\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo-300x82.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo-1024x279.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo-768x210.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo-700x191.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/03\/LIDER-logo.jpg 1191w\" sizes=\"(max-width: 165px) 100vw, 165px\" \/><\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27004\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNews_logo-web-300x59.jpg\" alt=\"\" width=\"167\" height=\"33\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNews_logo-web-300x59.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNews_logo-web-768x151.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNews_logo-web-700x138.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNews_logo-web.jpg 1000w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-27006\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147-300x88.jpg\" alt=\"\" width=\"174\" height=\"51\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147-300x88.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147-1024x302.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147-768x226.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147-700x206.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2024\/04\/SeeNext_logo-e1712818214147.jpg 1134w\" sizes=\"(max-width: 174px) 100vw, 174px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>CSR Partners:<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-15991\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/04\/10th_crc_Concordia.jpg\" alt=\"\" width=\"145\" height=\"53\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23687\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-300x115.png\" alt=\"\" width=\"193\" height=\"74\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-300x115.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-768x295.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-700x269.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en.png 1000w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-bell \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Participation form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div id = participation_form class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n            <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2023&#8243; tab_id=&#8221;1680687187324-6-3&#8243;][vc_single_image image=&#8221;23678&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>ICAP CRIF in Bulgaria<\/strong> is organizing the <strong>14th Credit Risk Management Conference<\/strong>. The event will be held at <strong>Sofia Event Center, Paradise Mall<\/strong> on the <strong>7th of June, Wednesday<\/strong>.<\/p>\n<p><strong>Bulgarian and international keynote speakers<\/strong> will provide useful information on topics &#8211; ESG, AI &amp; Data Analytics, Data in Risk Management, Innovation in Credit Risk Management, Machine learning, Alternative data sources for credit scoring, The role of technology in risk management.<\/p>\n<p>This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1680687277179{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;][\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td valign=\"top\" nowrap=\"nowrap\"><strong>13:00 \u2013 13:30<\/strong><\/td>\n<td><strong>\u00a0\u00a0 <\/strong><\/td>\n<td><strong>Registration \/ Coffee<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:30 &#8211; 13:40<\/strong><\/td>\n<td><\/td>\n<td><strong>Welcome<br \/>\n<\/strong><strong>Nikitas Konstantellos, <\/strong>President and CEO, ICAP CRIF<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:40 &#8211; 13:50<\/strong><\/td>\n<td><\/td>\n<td><strong>Opening<\/strong><br \/>\n<strong>Bogdan Bogdanov, <\/strong>Executive Director, Invest Bulgaria Agency<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:50 &#8211; 14:10<\/strong><\/td>\n<td><\/td>\n<td><strong>Challengies of the EU and Bulgarian Economy<\/strong><br \/>\n<strong>Daniela Bobeva,<\/strong> Professor of International Economics, Institute for Economic Research at the Bulgarian Academy of Sciences<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>14:10 &#8211; 14:20<\/strong><\/td>\n<td><\/td>\n<td><strong>Financial Risk Management<\/strong><br \/>\n<strong>Svetoslav Georgiev,<\/strong> CFA &#8211; Head of Sales, Ebury<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>14:20 &#8211; 15:30<\/strong><\/td>\n<td><\/td>\n<td><strong>Data in Risk Management<br \/>\n<\/strong>In dialogue: <strong>AI &amp; Data Analytics<\/strong><br \/>\n<strong>Simone Rampichini<\/strong>, Director Business Information, CRIF<br \/>\n<strong>Curzio Pinnelli, <\/strong>Business Information Innovation Manager, CRIF<br \/>\nIn discussion: <strong>Data in Action<\/strong><br \/>\n<strong>Simone Rampichini<\/strong>, Director Business Information, CRIF<br \/>\n<strong>Galabin Galabov, PhD<\/strong>, Executive Director and Chairman of Board of Directors, BAEZ<br \/>\n<strong>Dimitar Matakiev<\/strong>, Chief Data Officer, Postbank<br \/>\n<strong>Borislav Matakiev<\/strong>, Deputy CEO, OTP Leasing<br \/>\n<strong>Viktoriya Koleva<\/strong>, Brand Manager, Tombou Bulgaria<br \/>\n<strong>Nina Pepelyankova<\/strong>, Head of Finance and Administration, Konica Minolta<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:30 &#8211; 15:50<\/strong><\/td>\n<td><\/td>\n<td>Networking break<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:50 &#8211; 17:20<\/strong><\/td>\n<td><\/td>\n<td><strong>Business &amp; Banks: The need for a Sustainable Growth<br \/>\n<\/strong><strong>In dialogue: Corporates and Banks hand-in-hand in ESG era<\/strong><br \/>\n<strong>Marina Stefanova<\/strong>, Associate Professor at the Faculty of Economics and Business Administration, Sofia University \u201cSt. Kliment Ohridski&#8221;<br \/>\n<strong>Virginia Zhelyazkova<\/strong>, Professor in Circular Economy &amp; Sustainable Finance, VUZF<br \/>\n<strong>In discussion: ESG in Action<\/strong><br \/>\n<strong>Marina Stefanova<\/strong>, Associate Professor at the Faculty of Economics and Business Administration, Sofia University \u201cSt. Kliment Ohridski&#8221;<br \/>\n<strong>Giorgio Costantino<\/strong>, Executive Director Global Transformation Services, CRIF<br \/>\n<strong>Dirk Hagener<\/strong>, Director GMC Group Marketing &amp; Communication, ATRADIUS<br \/>\n<strong>Panagiotis Rousakis<\/strong>, Head of Strategy &amp; Program Delivery, Philip Morris Bulgaria<br \/>\n<strong>Kristiyan Kaynarov<\/strong>, Business development manager for logistics services of Orbico Bulgaria &amp; POSM manager of Orbico Group<br \/>\n<strong>Sophia Kassidova<\/strong>, Head of Strategy &amp; Business Development, Bulgarian Development Bank<br \/>\n<strong>Margita Kolcheva<\/strong>, ESG officer, YETTEL<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>17:20 &#8211; 18:30<\/strong><\/td>\n<td><\/td>\n<td><strong>Innovation in Credit Risk Management<br \/>\n<\/strong><strong>In dialogue:<\/strong><br \/>\n<strong>Daniele Vergari<\/strong>, Director Risk Analytics, CRIF<br \/>\n<strong>Michaela Bauer<\/strong>, Member of the Board of Directors, Chief Technology, Innovation, Digital, Data &amp; Operations &amp; Head of Innovations, CSOB<br \/>\n<strong>In discussion<\/strong>:<br \/>\n<strong>Daniele Vergari<\/strong>, Director Risk Analytics, CRIF<br \/>\n<strong>Stefan Ivanov<\/strong>, Head of Strategic, Credit and Integrated Risks, UniCredit Bulbank<br \/>\n<strong>Preslav Raykov<\/strong>, Senior Risk &amp; Financial Manager, Cargill Business Services<br \/>\n<strong>Paolo Di Biasi<\/strong>, Executive Director Group Credit Risk Management, Intesa Sanpaolo<br \/>\n<strong>Nikolay Spasov<\/strong>, COO, tbi bank<br \/>\n<strong>Georgi Nalbantov, PhD<\/strong>, Head of Data Science, Childish.ai<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>18:30<\/strong><\/td>\n<td><\/td>\n<td>End of Conference &amp; Business cocktail<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-address-card \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Presentations    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<strong>Nikitas Konstantellos<\/strong>, President &amp; Group CEO, ICAP CRIF (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/BG_CRC 2023_NK presentation.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Daniela Bobeva<\/strong>, Professor of International Economics, Institute for Economic Research at the Bulgarian Academy of Sciences (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/macroeconomy of EU and Bulgaria.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Svetoslav Georgiev<\/strong>, CFA \u2013 Head of Sales, Ebury (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/MRM - Svetoslav Georgiev, CFA - Ebury (2).pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Giorgio Costantino<\/strong>, Executive Director CRIF Global Transformation Services (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/20230607_ ESG_ICAP_Sofia_introduction_GC.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Dirk Hagener<\/strong>, Director GMC Group Marketing &amp; Communication, ATRADIUS (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/Sustainability at Atradius_CRIF Sofia.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Panagiotis Rousakis<\/strong>, Head of Strategy &amp; Program Delivery, Philip Morris Bulgaria (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/Panagiotis Rousakis PMBG ICAP June 2023.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Kristiyan Kaynarov<\/strong>, Business development manager for logistics services of Orbico Bulgaria &amp; POSM manager of Orbico Group (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/Orbico ESG.pdf\">here<\/a> to download the presentation)<\/p>\n<p><strong>Margita Kolcheva<\/strong>, ESG Senior Advisor, YETTEL (click <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/2023-CRC\/YettelBG_ESGApproach&amp;Strategy_BG.pdf\">here<\/a> to download the presentation)[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text][\/vc_column_text][vc_tta_section tab_id=&#8221;1680687188223-ad019d66-0f3a&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23710&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dirk Hagener<\/strong><br \/>\nDirector GMC Group Marketing &amp; Communication<br \/>\nAtradius<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-hagener\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23715&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Panagiotis Rousakis<\/strong><br \/>\nHead of Strategy &amp; Program Delivery<br \/>\nPhilip Morris Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-rousakis\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23718&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Virginia Zhelyazkova<\/strong><br \/>\nProfesor Circular Economy<br \/>\nVUZF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-zhelyazkova\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24054&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Simone Rampichini<\/strong><br \/>\nDirector, Global Business Information<br \/>\nCRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/12th-sp-rampichini\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21455&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Kristiyan Kaynarov<\/strong><br \/>\nBusiness development manager for logistics services of Orbico Bulgaria &amp; POSM manager of Orbico Group<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/13th-crc-kaynarov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23859&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Marina Stefanova<\/strong><br \/>\nAssociate Professor<br \/>\nSofia University<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-stefanova\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23867&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Michaela Bauer<\/strong><br \/>\nMember of the Board of Directors<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-bauer\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23917&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dimitar Matakiev<\/strong><br \/>\nChief Data Officer<br \/>\nPostbank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-matakiev\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;23989&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Borislav Matakiev<\/strong><br \/>\nDeputy CEO<br \/>\nOTP Leasing<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-b-matakiev\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24026&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Preslav Raykov<\/strong><br \/>\nSenior Risk &amp; Financial Manager<br \/>\nCargill<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-raykov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24035&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Bogdan Bogdanov<\/strong><br \/>\nExecutive director<br \/>\nInvest Bulgaria Agency<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-bogdanov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24091&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Daniela Bobeva<\/strong><br \/>\nProfessor of International Economics<br \/>\nInstitute for Economic Research at the Bulgarian Academy of Sciences<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-bobeva\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24116&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Stefan Ivanov<\/strong><br \/>\nHead of Strategic, Credit and Integrated Risks<br \/>\nUniCredit Bulbank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-ivanov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24149&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Sophia Kassidova<\/strong><br \/>\nHead of Strategy &amp; Development<br \/>\nBulgarian Development Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-kassidova\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24163&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Nikolay Spasov<\/strong><br \/>\nCOO<br \/>\ntbi bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-spasov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24185&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Daniele Vergari<\/strong><br \/>\nDirector<br \/>\nCRIF Global Transformation Services<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-vergari\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24201&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Viktoriya Koleva<\/strong><br \/>\nBrand Manager<br \/>\nTombou Bulgaria EOOD<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-koleva\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24226&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Svetoslav Georgiev<\/strong><br \/>\nCFA &#8211; Head of Sales<br \/>\nEbury<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-georgiev\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24243&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Georgi Nalbantov, PhD<\/strong><br \/>\nHead of Data Science<br \/>\nChildish.ai<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-nalbantov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24268&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Margita Kolcheva<\/strong><br \/>\nESG Senior Advisor<br \/>\nYettel<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-kolcheva\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24357&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Mr. Galabin Galabov, PhD, MBA<\/strong><br \/>\nExecutive Director and Chairman of the Management Board<br \/>\nBAEZ JSC<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-galabov\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24405&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Nina Mechkarova<\/strong><br \/>\nFinance and Administration Manager<br \/>\nKonica Minolta Business Solutions Bulgaria Ltd.<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"\/bg\/en\/14th-crc-mechkarova\/\" target=\"_blank\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small center default  qode-button-shadow\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][vc_empty_space][\/vc_tta_section]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21016\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/Atradius.png\" alt=\"\" width=\"163\" height=\"65\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15919\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg\" alt=\"\" width=\"188\" height=\"37\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-1024x201.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-768x151.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-700x137.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive.jpg 1167w\" sizes=\"(max-width: 188px) 100vw, 188px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21581\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-300x75.png\" alt=\"\" width=\"264\" height=\"66\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-300x75.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-768x193.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-700x176.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI.png 960w\" sizes=\"(max-width: 264px) 100vw, 264px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23851\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/JPlogo.png\" alt=\"\" width=\"64\" height=\"79\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23921\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/SEC-logo2022_Black-White-300x263.png\" alt=\"\" width=\"156\" height=\"137\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/SEC-logo2022_Black-White-300x263.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/SEC-logo2022_Black-White-768x673.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/SEC-logo2022_Black-White-700x614.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/SEC-logo2022_Black-White.png 794w\" sizes=\"(max-width: 156px) 100vw, 156px\" \/><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-24153\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/BDB_logo-web-300x113.jpg\" alt=\"\" width=\"279\" height=\"105\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/BDB_logo-web-300x113.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/BDB_logo-web-768x289.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/BDB_logo-web-700x263.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/BDB_logo-web.jpg 800w\" sizes=\"(max-width: 279px) 100vw, 279px\" \/>\u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-24167\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/tbi-Bank-logo-300x150.jpg\" alt=\"\" width=\"200\" height=\"100\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/tbi-Bank-logo-300x150.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/tbi-Bank-logo-768x384.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/tbi-Bank-logo.jpg 1000w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/tbi-Bank-logo-700x350.jpg 700w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-24207\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/ebury-logo.png\" alt=\"\" width=\"127\" height=\"69\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-24251\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/ChildishAI-logo-upper-300x102.jpg\" alt=\"\" width=\"209\" height=\"71\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/ChildishAI-logo-upper-300x102.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/ChildishAI-logo-upper-700x239.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/ChildishAI-logo-upper.jpg 726w\" sizes=\"(max-width: 209px) 100vw, 209px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Supporters:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21412\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png\" alt=\"\" width=\"139\" height=\"119\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF.png 331w\" sizes=\"(max-width: 139px) 100vw, 139px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15935\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg\" alt=\"\" width=\"128\" height=\"85\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-1024x679.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-768x509.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-700x464.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v.jpg 1500w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15933\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"133\" height=\"81\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-300x183.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1024x626.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-768x469.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-1536x939.jpg 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB-700x428.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/logo-HBCB.jpg 1590w\" sizes=\"(max-width: 133px) 100vw, 133px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15955\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-300x276.jpg\" alt=\"\" width=\"102\" height=\"94\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-300x276.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-1024x941.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-768x706.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-1536x1411.jpg 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-2048x1882.jpg 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/06\/Logo_Italian-Chamber-of-Commerce-700x643.jpg 700w\" sizes=\"(max-width: 102px) 100vw, 102px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15937\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/10\/orizzontale3.png\" alt=\"\" width=\"168\" height=\"50\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23680\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-300x93.png\" alt=\"\" width=\"152\" height=\"47\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-300x93.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-1024x317.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-768x238.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-1536x475.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-2048x634.png 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/bultisad-horizontal-700x217.png 700w\" sizes=\"(max-width: 152px) 100vw, 152px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-24067\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/05\/VUZF_logo_eng.png\" alt=\"\" width=\"139\" height=\"71\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p>&nbsp;<\/p>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15941\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg\" alt=\"\" width=\"138\" height=\"42\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-1024x315.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-768x236.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-700x215.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo.jpg 1535w\" sizes=\"(max-width: 138px) 100vw, 138px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21444\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png\" alt=\"\" width=\"247\" height=\"47\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP.png 472w\" sizes=\"(max-width: 247px) 100vw, 247px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23771\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo-300x143.jpg\" alt=\"\" width=\"139\" height=\"66\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo-300x143.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Bulgaria-Wants-You-logo.jpg 401w\" sizes=\"(max-width: 139px) 100vw, 139px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23943\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-300x71.jpg\" alt=\"\" width=\"199\" height=\"47\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-300x71.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-768x180.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo-700x165.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/ESGnews_logo.jpg 1000w\" sizes=\"(max-width: 199px) 100vw, 199px\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>CSR Partner:<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-15991\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/04\/10th_crc_Concordia.jpg\" alt=\"\" width=\"145\" height=\"53\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-23687\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-300x115.png\" alt=\"\" width=\"193\" height=\"74\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-300x115.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-768x295.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en-700x269.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2023\/04\/Priyatel_na_deteto_logo-en.png 1000w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-bell \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Participation form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div id = participation_form class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n            <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2022&#8243; tab_id=&#8221;1649942536606-5-0&#8243;][vc_single_image image=&#8221;21387&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1654847857122{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;]<\/p>\n<p style=\"text-align: left;\"><strong>ICAP CRIF in Bulgaria<\/strong>\u00a0is organizing the <strong>13th Credit Risk Management Conference. <\/strong>The event will be held at <strong>Hyatt Regency Sofia Hotel<\/strong> on the <strong>7th<\/strong> <strong>of\u00a0 June, Tuesday.<\/strong><\/p>\n<p style=\"text-align: left;\"><strong>Bulgarian and international keynote speakers <\/strong>will provide useful information on ESG, Supply chain, Digital transformation and new solutions.<\/p>\n<p style=\"text-align: left;\">This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.<\/p>\n<p>&nbsp;<\/p>\n<p>Find the Press release <a href=\"https:\/\/dir.icapcrif.com\/mailimages\/BG\/ICAPCRIF_PR_13thCreditRiskConference.pdf\">here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td valign=\"top\" nowrap=\"nowrap\"><strong>13:00 \u2013 13:30<\/strong><\/td>\n<td><strong>\u00a0\u00a0 <\/strong><\/td>\n<td><strong>Registration \/ Coffee<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:30 &#8211; 13:45<\/strong><\/td>\n<td><\/td>\n<td><strong>Welcome<br \/>\n<\/strong><strong>Nikitas Konstantellos, <\/strong>President and Group CEO, ICAP CRIF<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:45 &#8211; 14:00<\/strong><\/td>\n<td><\/td>\n<td><strong>Opening<\/strong><br \/>\n<strong>Bogdan Bogdanov,<\/strong> Executive Director, Invest Bulgaria Agency<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>14:00 &#8211; 15:00<\/strong><\/td>\n<td><\/td>\n<td><strong>Global and Bulgarian Macroeconomic Overview<\/strong><br \/>\n<strong>Francesco Diurni<\/strong>, Senior Risk Advisor, Capital Management in EIB HQ<br \/>\n<strong>Iliya Lingorski,<\/strong> Chief Economist, Bulgarian Development Bank<br \/>\nMember of the Management Board, Three Seas Initiative Investment Fund<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:00 &#8211; 16:00<\/strong><\/td>\n<td><\/td>\n<td><strong>ESG in Financial Sector: Integration of ESG Factors in the Risk Management<\/strong><br \/>\n<strong>Moderator:<\/strong><br \/>\n<strong>Valeria Nale<\/strong>, Principal, CRIF<br \/>\n<strong>Participants:<\/strong><br \/>\n<strong>Monica Billio<\/strong>, Professor of econometrics, Ca\u2019 Foscari, University of Venice<br \/>\n<strong>Theodora Antonakaki<\/strong>, Director of Climate Change and Sustainability Centre (CCSC), Bank of Greece<br \/>\n<strong>Katerina Ivanova<\/strong>, Asset &amp; Liability Management Manager, POSTBANK<br \/>\n<strong>Virginia Zhelyaskova<\/strong>, Professor in Circular Economy &amp; Sustainable Finance, VUZF<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>16:00 &#8211; 16:15<\/strong><\/td>\n<td><\/td>\n<td>Networking break<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>16:15 &#8211; 17:00<\/strong><\/td>\n<td><\/td>\n<td><strong>Technology &amp; Digitalization: The New Business Reality<\/strong><br \/>\n<strong>Moderator:<\/strong><br \/>\n<strong>Francois Miqueu<\/strong>, Board Member and Senior Advisor, Caixa Bank<br \/>\n<strong>Participants:<\/strong><br \/>\n<strong>Elmaz Ismail<\/strong>, Head of Payments, TBI Bank<br \/>\n<strong>Ioannis Kotsianos<\/strong>, CEO, Allianz Insurance<br \/>\n<strong>Goran Milanov<\/strong>, EuroFM Ambassador and Consulting partner, VIKI Services<br \/>\n<strong>Boris Kolev<\/strong>, Managing Partner, DigiMark Ventures<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>17:30 &#8211; 18:30<\/strong><\/td>\n<td><\/td>\n<td><strong>Supply Chain Challenges<\/strong><br \/>\n<strong>Moderator:<\/strong><br \/>\n<strong>Simone Rampichini,<\/strong> Director, CRIF<br \/>\n<strong>Participants:<br \/>\nKristian Kaynarov<\/strong>, Supply Chain Director, ORBICO Bulgaria<br \/>\n<strong>Vasil Lyaskov<\/strong>, Financial Planning and Analysis Expert, PIMK<br \/>\n<strong>Lukasz Kroczewski<\/strong>, <span style=\"font-family: inherit; font-size: inherit;\">Supply Chain Manager, NESTLE<br \/>\n<\/span><strong>Irene De La Cruz Galan<\/strong>, <span style=\"font-family: inherit; font-size: inherit;\">Manager Business Planning, Philip Morris Bulgaria<\/span><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>18:30<\/strong><\/td>\n<td><\/td>\n<td>End of Conference<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-address-card \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Presentations    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<ul>\n<li><strong>Nikitas Konstantellos, <\/strong>President and Group CEO, ICAP CRIF (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Nikitas_Konstantellos.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Iliya Lingorski, <\/strong>Chief Economist, Bulgarian Development Bank (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Iliya_Lingorski.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Kristian Kaynarov<\/strong>, Supply Chain Director, ORBICO Bulgaria (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Kristian_Kaynarov.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Francesco Diurni<\/strong>, Senior Risk Advisor, Capital Management in EIB HQ\u00a0 (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Francesco_Diurni.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Lukasz Kroczewski<\/strong>, Supply Chain Manager, NESTLE (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Lukasz_Kroczewski.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Vasil Lyaskov<\/strong>, Financial Planning and Analysis Expert, PIMK (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Vasil_Lyaskov.pdf\">here<\/a> to download the presentation)<\/li>\n<li><strong>Irene De La Cruz Galan<\/strong>, <span style=\"font-family: inherit; font-size: inherit;\">Manager Business Planning, Philip Morris Bulgaria (click <a href=\"https:\/\/dir.icap.gr\/mailimages\/BG\/Irene_Galan.pdf\">here<\/a> to download the presentation)<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text][\/vc_column_text][vc_tta_section tab_id=&#8221;1652433673974-081d22d3-8acc&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21449&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Iliya Lingorski<\/strong><br \/>\nChief Economist, Bulgarian Development Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/12th-sp-lingorski\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21452&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Katerina Ivanova<\/strong><br \/>\nAsset and Liability Management Manager, Postbank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th_crc_ivanova\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21455&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Kristiyan Kaynarov<\/strong><br \/>\nSupply Chain Director, Orbico Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-kaynarov\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;16053&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Simone Rampichini<\/strong><br \/>\nDirector, Global Business Information, CRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/12th-sp-rampichini\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21467&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Goran Milanov<\/strong><br \/>\nEuroFM Ambassador and Consulting partner, Viki Services Facility management<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-milanov\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21543&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Monica Billio<\/strong><br \/>\nProfessor of Econometrics, Department of Economics, Ca\u2019 Foscari University of Venice<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-billio\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21553&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Valeria Nale<\/strong><br \/>\nPrincipal in CRIF Transformation Service<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-nale\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21597&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Francesco Diurni<\/strong><br \/>\nSenior Risk Advisor, Capital Management in EIB HQ<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-diurni\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21571&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Virginia Zhelyaskova<\/strong><br \/>\nProfessor in Circural Economy &amp; Sustainable Finance, VUZF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-zhelyaskova\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;21607&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Francois Miqueu<\/strong><br \/>\nBoard Member and Senior Advisor, CaixaBank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icapcrif.com\/bg\/en\/13th-crc-zhelyaskova\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small white default\" style=\"color: #e46302; \">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17068\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/DHL_rgb-300x66.png\" alt=\"\" width=\"173\" height=\"38\" \/>\u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21638\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/NESTLElogo-Alternative-with-wordmark-signature-oak-300x245.png\" alt=\"\" width=\"115\" height=\"94\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/NESTLElogo-Alternative-with-wordmark-signature-oak-300x245.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/NESTLElogo-Alternative-with-wordmark-signature-oak-768x628.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/NESTLElogo-Alternative-with-wordmark-signature-oak-700x573.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/NESTLElogo-Alternative-with-wordmark-signature-oak.png 978w\" sizes=\"(max-width: 115px) 100vw, 115px\" \/>\u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15919\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg\" alt=\"\" width=\"193\" height=\"38\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-1024x201.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-768x151.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive-700x137.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive.jpg 1167w\" sizes=\"(max-width: 193px) 100vw, 193px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21581\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-300x75.png\" alt=\"\" width=\"264\" height=\"66\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-300x75.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-768x193.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI-700x176.png 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/PMI.png 960w\" sizes=\"(max-width: 264px) 100vw, 264px\" \/> \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21506\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/Postbank-300x93.jpg\" alt=\"\" width=\"206\" height=\"64\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/Postbank-300x93.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/Postbank.jpg 391w\" sizes=\"(max-width: 206px) 100vw, 206px\" \/><\/h4>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<h4>\u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15985\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-300x67.png\" alt=\"\" width=\"229\" height=\"51\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-300x67.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-1024x229.png 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-768x172.png 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-1536x344.png 1536w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-2048x459.png 2048w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/11\/VS_transperant-700x157.png 700w\" sizes=\"(max-width: 229px) 100vw, 229px\" \/><\/h4>\n<p>&nbsp;<\/p>\n<h4>\u00a0<img loading=\"lazy\" decoding=\"async\" class=\" wp-image-21417\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/SOFRS_L001b-ctr-TM-color-CMYK-242x300.jpg\" alt=\"\" width=\"90\" height=\"112\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/SOFRS_L001b-ctr-TM-color-CMYK-242x300.jpg 242w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/SOFRS_L001b-ctr-TM-color-CMYK-768x951.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/SOFRS_L001b-ctr-TM-color-CMYK-700x867.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/SOFRS_L001b-ctr-TM-color-CMYK.jpg 800w\" sizes=\"(max-width: 90px) 100vw, 90px\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16938\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/04\/TL2019_JPoint_v2.jpg\" alt=\"\" width=\"75\" height=\"98\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Supporters:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15935\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg\" alt=\"\" width=\"128\" height=\"85\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-300x199.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-1024x679.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-768x509.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v-700x464.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Bcci27_new_v.jpg 1500w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18729\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/07\/\u043b\u043e\u0433\u043e_\u0418\u0442\u0430\u043b\u0438\u0430\u043d\u0441\u043a\u0430-\u0422\u044a\u0440\u0433\u043e\u0432\u0441\u043a\u0430-\u041a\u0430\u043c\u0430\u0440\u0430-\u0432-\u0411\u044a\u043b\u0433\u0430\u0440\u0438\u044f.png\" alt=\"\" width=\"222\" height=\"54\" \/> \u00a0\u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17096\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"129\" height=\"79\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-19485\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/10\/orizzontale3.png\" alt=\"\" width=\"208\" height=\"62\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21412\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png\" alt=\"\" width=\"170\" height=\"145\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF-300x257.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BBLF.png 331w\" sizes=\"(max-width: 170px) 100vw, 170px\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p>&nbsp;<\/p>\n<h4><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15929\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BAMCO-logo-EN.png\" alt=\"\" width=\"189\" height=\"54\" \/>\u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15941\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg\" alt=\"\" width=\"167\" height=\"52\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-300x92.jpg 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-1024x315.jpg 1024w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-768x236.jpg 768w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo-700x215.jpg 700w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2021\/06\/BusinessGlobal-logo.jpg 1535w\" sizes=\"(max-width: 167px) 100vw, 167px\" \/>\u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-21444\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png\" alt=\"\" width=\"279\" height=\"53\" srcset=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP-300x57.png 300w, https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/05\/BTP.png 472w\" sizes=\"(max-width: 279px) 100vw, 279px\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>CSR Partner:<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-15991\" src=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/04\/10th_crc_Concordia.jpg\" alt=\"\" width=\"145\" height=\"53\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-bell \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Participation form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f21421-o1\" lang=\"el\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/bg\/en\/wp-json\/wp\/v2\/pages\/16387\/#wpcf7-f21421-o1\" method=\"post\" class=\"wpcf7-form init cf7_custom_style_1\" aria-label=\"\u03a6\u03cc\u03c1\u03bc\u03b1 \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1\u03c2\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"21421\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.9.8\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"el\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f21421-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> Participant(s) First Name(s)*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"participant\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"participant\" \/><\/span> <\/label>\n<\/p>\n<p><label> Participant(s) Surname(s)*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"participant\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"participant\" \/><\/span> <\/label>\n<\/p>\n<p><label> Job Title*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"participant\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"participant\" \/><\/span> <\/label>\n<\/p>\n<p><label> Company Name*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<\/p>\n<p><label> Email*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Phone*<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"Phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"Phone\" \/><\/span> <\/label>\n<\/p>\n<p>The price for the participation at the Conference venue: 120 euro plus VAT\n<\/p>\n<p><strong>Registration Procedure<\/strong><br \/>\nPlease fill in the above Registration Form. Following this, please proceed to depositing the final amount to the Bank Account below by mentioning your Company's Name:\n<\/p>\n<p><strong>Bank Account Details<\/strong><br \/>\nBank: POSTBANK<br \/>\nIBAN: BG29BPBI88981000973417\n<\/p>\n<p>Finally, please forward us the payment receipt by email at <a href=\"mailto:icapcrifbulgaria@icapcrif.com \">icapcrifbulgaria@icapcrif.com <\/a>\n<\/p>\n<div class=\"contact-form-terms\">\n\t<p>Terms and conditions:<br \/>\n* By filling in this form you express your intention to participate in the 13th Credit Risk Conference.<br \/>\n*Your participation will be finalized once it has been paid off. In case you cannot attend the event, a colleague can take your place without any extra charge.\n\t<\/p>\n<\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Declare Interest\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n    <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2021&#8243; tab_id=&#8221;1624622395928-4-7&#8243;][vc_single_image image=&#8221;18507&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1625836305440{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;]<strong>ICAP Bulgaria<\/strong>, member of ICAP, group of companies, the largest B2B Services Group in Southeastern Europe, is organizing the\u00a0<strong>12th Credit Risk Management Conference<\/strong>\u00a0in Bulgaria.<\/p>\n<p>The event will be held at Sofia Balkan Hotel on the <strong>12th<\/strong> <strong>of October, Tuesday.\u00a0<\/strong><\/p>\n<p><strong>Bulgarian and international keynote speakers <\/strong>will provide useful information on Credit Risk issues, Digitalization and Green Future.<\/p>\n<p>This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.[\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div id = participation_form class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td valign=\"top\" nowrap=\"nowrap\"><strong>08:30 &#8211; 09:00<\/strong><\/td>\n<td><strong>\u00a0\u00a0 <\/strong><\/td>\n<td><strong>Registration \/ Coffee<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>09:00 &#8211; 09:20<\/strong><\/td>\n<td><\/td>\n<td><strong>Welcome\/Opening<br \/>\nIvelina Peneva, <\/strong>Deputy Minister of Economy<strong><br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>09:20 &#8211; 10:00<\/strong><\/td>\n<td><\/td>\n<td><strong>Economic Overview and Strategies in Bulgarian Economy<\/strong><br \/>\n<strong>Iliya Lingorski<\/strong>, Chief Economist, Bulgarian Development Bank<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>10:00 &#8211; 11:30<\/strong><\/td>\n<td><\/td>\n<td><strong>ESG &amp; Green Economy: Innovations and Strategies for Sustainable Development<br \/>\nModearator:<br \/>\nMarina Stefanova, <\/strong>Ch. Assist. Professor, Sofia University \u201cSt. Kliment Ohridski\u201d<strong><br \/>\nParticipants:<br \/>\nGeorge Christodoulakis, <\/strong>Member of the ICAP Board of Directors, Head of\u00a0Credit Rating Agency<strong><br \/>\nDilyana Yakova, <\/strong>Manager Regulatory Affairs and Sustainable Development, Philip Morris Bulgaria<strong><br \/>\nSophia Kassidova, <\/strong>Head Strategic Analyses and Development, Bulgarian Development Bank<strong><br \/>\nHristo Atanasov, <\/strong>Operations Manager, DHL Express Bulgaria<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>11:30 &#8211; 11:50<\/strong><\/td>\n<td><\/td>\n<td>Networking break<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>11:50 &#8211; 13:00<\/strong><\/td>\n<td><\/td>\n<td><strong>The Credit to Cash Journey<br \/>\nModerator:<br \/>\nTim Vine, <\/strong>Head of International Finance &amp; Risk Solutions, Dun &amp; Bradstreet<strong><br \/>\nParticipants:<br \/>\nLyubka Dimitrova, <\/strong>Manager Finance &amp; Accounting, John Cotton Group<strong><br \/>\nRoberto Santorelli, <\/strong>CEO &amp; Owner, Kuminiano Fruit<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>13:00 &#8211; 14:15<\/strong><\/td>\n<td><\/td>\n<td>Networking Lunch<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>14:15 &#8211; 15:45<\/strong><\/td>\n<td><\/td>\n<td><strong>Digitalization and Credit Risk Management: <\/strong><strong><strong>New Opportunities and Challenges in the Business today<br \/>\n<\/strong><\/strong><strong>Moderator:<\/strong><br \/>\n<strong>Simone Rampichini,<\/strong> Director, Global Business Information, CRIF<br \/>\n<strong>Participants:<\/strong><strong>Kamen Slavov,<\/strong> Member of the Board of Directors, Fund of Finds<br \/>\n<strong>Ioannis Kounas<\/strong>, Head of Commercial Risk South East Europe, Risk Services, Atradius Cr\u00e9dito y Cauci\u00f3n S.A. de Seguros y Reaseguros<br \/>\n<strong>Miroslav Kremenarov<\/strong>, Digital Transformation Manager, Orbico Bulgaria<br \/>\n<strong>Diana Dimitrova,<\/strong> Accounting &amp; Reporting Manager, ZAGORKA<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>15:45\u2013 16:15<\/strong><\/td>\n<td><\/td>\n<td><strong>Reflecting on the impact of global disruption in the context of business decision-making<br \/>\nAnthony Scriffignano, <\/strong>SVP Chief Data Scientist, Dun &amp; Bradstreet<strong><br \/>\n<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><strong>16:15<\/strong><\/td>\n<td><\/td>\n<td>End of Conference<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text][\/vc_column_text][vc_tta_section tab_id=&#8221;1631886726554-f4e2ada6-fa4c&#8221;][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19019&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Anthony J. Scriffignano<\/strong><br \/>\nSVP, Chief Data Scientist, Dun &amp; Bradstreet<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-scriffignano\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19265&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Hristo Atanasov<\/strong><br \/>\nOperations Manager, DHL Express Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-atanasov\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;18946&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Tim Vine<\/strong><br \/>\nHead of International Finance &amp; Risk Solutions, Dun &amp; Bradstreet<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-vine\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19015&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Lyubka Dimitrova\u00a0<\/strong><br \/>\nManager Finance &amp; Accounting, John Cotton Group<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-dimitroval\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19025&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Iliya Lingorski<\/strong><br \/>\nChief Economist, Bulgarian Development Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-lingorski\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19033&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Sophia Kassidova<\/strong><br \/>\nHead of Strategy and Development, the Bulgarian Development Bank<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-kassidova\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19154&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Miroslav Kremenarov<br \/>\n<\/strong>Digital Transformation Manager, Orbico Bulgaria<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-kremenarov\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19031&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Simone Rampichini<\/strong><br \/>\nDirector of the Global Business Information business line in CRIF<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-rampichini\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19160&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Ioannis Kounas<br \/>\n<\/strong>Head of Commercial Risk South East Europe, Risk Services Atradius Cr\u00e9dito y Cauci\u00f3n S.A. de Seguros y Reaseguros<strong><br \/>\n<\/strong><\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-kounas\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19162&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Roberto Santorelli<\/strong><br \/>\nCEO &amp; Owner<br \/>\nKuminiano Fruit<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-santorelli\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19168&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Marina Stefanova<br \/>\n<\/strong>Ch. Assist. Professor Sofia University \u201cSt. Kliment Ohridski\u201d<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-stefanova\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19164&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dilyana Yakova<br \/>\n<\/strong>Manager Regulatory Affairs and Sustainable Development, Philip Morris Bulgaria<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_empty_space][vc_row_inner row_type=&#8221;row&#8221; type=&#8221;full_width&#8221; text_align=&#8221;center&#8221; css_animation=&#8221;&#8221;][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19269&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Dr George Christodoulakis<br \/>\n<\/strong>Member of the ICAP Board of Directors, Head of the Credit Rating Agency<\/p>\n<p>[\/vc_column_text]<a  itemprop=\"url\" href=\"https:\/\/www.icap.bg\/en\/12th-sp-christodoulakis\/\" target=\"_self\" data-hover-background-color=#e46302 data-hover-color=#ffffff class=\"qbutton  small default\" style=\"color: #e46302; background-color: #ffffff;\">Read the CV<i class=\"qode_icon_font_awesome fa fa-suitcase qode_button_icon_element\" style=\"\" ><\/i><\/a>[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19271&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Diana Dimitrova<\/strong><br \/>\nAccounting and Reporting Manager, Zagorka<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;19374&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow_circle&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>Stamen Yanev<br \/>\n<\/strong>Executive Director<br \/>\nInvest Bulgaria Agency<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<h4>\u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18585\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/07\/attradius-300x82.png\" alt=\"\" width=\"185\" height=\"51\" \/>\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-19008\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/09\/Logo_BDB_Latin-300x113.jpg\" alt=\"\" width=\"178\" height=\"67\" \/> \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17068\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/DHL_rgb-300x66.png\" alt=\"\" width=\"164\" height=\"36\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17189\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg\" alt=\"\" width=\"172\" height=\"34\" \/>\u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18583\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/07\/philip-morris-300x67.png\" alt=\"\" width=\"229\" height=\"52\" \/> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18923\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/09\/postbank.jpg\" alt=\"\" width=\"161\" height=\"61\" \/><\/h4>\n<p>&nbsp;<\/p>\n<h4>\u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18513\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/06\/lux186pms-183233-For-SPOT-COLOR-printing-e-g-on-property-collateral-temp...-160x300.png\" alt=\"\" width=\"57\" height=\"107\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16938\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/04\/TL2019_JPoint_v2.jpg\" alt=\"\" width=\"75\" height=\"98\" \/><\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Supporters:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18515\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/06\/BAMCO-logo-EN.png\" alt=\"\" width=\"172\" height=\"49\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18729\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/07\/\u043b\u043e\u0433\u043e_\u0418\u0442\u0430\u043b\u0438\u0430\u043d\u0441\u043a\u0430-\u0422\u044a\u0440\u0433\u043e\u0432\u0441\u043a\u0430-\u041a\u0430\u043c\u0430\u0440\u0430-\u0432-\u0411\u044a\u043b\u0433\u0430\u0440\u0438\u044f.png\" alt=\"\" width=\"222\" height=\"54\" \/> \u00a0\u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17096\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"129\" height=\"79\" \/>\u00a0 \u00a0 \u00a0 \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17202\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/09\/Bcci27_new_v-300x199.jpg\" alt=\"\" width=\"131\" height=\"87\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-19485\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/10\/orizzontale3.png\" alt=\"\" width=\"208\" height=\"62\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<div><strong>Official car partner:<\/strong><\/div>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-16942 alignnone\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/04\/TL2019_PorscheAudi-1.jpg\" alt=\"\" width=\"300\" height=\"64\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18517\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/06\/BusinessGlobal-logo-300x92.jpg\" alt=\"\" width=\"137\" height=\"42\" \/>\u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-18942\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/09\/BTP-300x55.png\" alt=\"\" width=\"235\" height=\"43\" \/> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-19490\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2021\/10\/enterprise.jpg\" alt=\"\" width=\"226\" height=\"59\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221; image_repeat=&#8221;no-repeat&#8221; background_image=&#8221;19490&#8243;][vc_separator type=&#8221;normal&#8221;][vc_column_text css=&#8221;.vc_custom_1586187793923{margin-top: 30px !important;}&#8221;]<\/p>\n<h4>CSR Partner:<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16907&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-pencil-square-o \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Participation Form    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_empty_space][vc_column_text]For registrations, please fill the form <a href=\"https:\/\/meeting15.com\/en\/join-event\/icap-12th-credit-risk-management-conference\/3301\">here<\/a>.<\/p>\n<p>[\/vc_column_text]    <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2020&#8243; tab_id=&#8221;1592472203113-3-5&#8243;][vc_single_image image=&#8221;17175&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1599472012092{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;]<strong>ICAP Bulgaria<\/strong>, member of ICAP, group of companies, the largest B2B Services Group in Southeastern Europe, is organizing the\u00a0<strong>11th Credit Risk Management Conference<\/strong>\u00a0in Bulgaria.<\/p>\n<p>The event will be held online on the <strong>30th<\/strong> <strong>of September, Wednesday. <\/strong>To ensure the health and safety of our partners and customers, we have made the decision to host the event in a completely virtual format this year.<\/p>\n<p><strong>Bulgarian and international keynote speakers<\/strong>\u00a0will provide useful information on Credit Risk issues.<\/p>\n<p>This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.<\/p>\n<p>[\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table width=\"699\">\n<tbody>\n<tr>\n<td width=\"132\">10:00 \u2013 10:10<\/td>\n<td width=\"567\"><strong>Welcome by moderator<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">10:10 \u2013 10:30<\/td>\n<td width=\"567\"><strong>Opening address<\/strong><\/p>\n<p><strong>Tsvetan Simeonov<\/strong>,\u00a0President, <strong>Bulgarian Chamber of Commerce and Industry<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">10:30 \u2013 11:00<\/td>\n<td width=\"567\"><strong>A radiography of the Bulgarian economy in the first half of 2020<\/strong><\/p>\n<p><strong>Iliya Lingorski, <\/strong>Chief Economist,\u00a0<strong>Bulgarian Development Bank<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">11:00 \u2013 11:30<\/td>\n<td width=\"567\"><strong>The Pandemic and Corporate Credit<\/strong><\/p>\n<p><strong>Richard\u00a0Hunter, <\/strong>Global Group Head Corporate Ratings, <strong>Fitch Ratings<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">11:30 \u2013 12:00<\/td>\n<td width=\"567\"><strong>Business Overview<\/strong><\/p>\n<p><strong>Roumen Galabinov, <\/strong>Economist<\/td>\n<\/tr>\n<tr>\n<td width=\"132\">12:00 \u2013 13:00<\/td>\n<td width=\"567\"><strong>Break<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">13:00 \u2013 13:30<\/td>\n<td width=\"567\"><strong>Country Risk and COVID &#8211; What&#8217;s in Store for the Global Economy in 2021?<\/strong><\/p>\n<p><strong>Markus Kuger,\u00a0<\/strong>Chief Economist,\u00a0<strong>Dun &amp; Bradstreet<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">13:30 \u2013 14:00<\/td>\n<td width=\"567\"><strong>New funding opportunities for companies through debt instruments<\/strong><\/p>\n<p><strong>Doncho Donev, <\/strong>Head of Capital Market Division, <strong>Postbank\u00a0\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">14:00 \u2013 14:30<\/td>\n<td width=\"567\"><strong>Credit Reports: What data were included, why you should care and what every credit risk analyst must know<\/strong><\/p>\n<p><strong>Myrto Kyriakidou, <\/strong>Executive Director, Credit Risk Services,\u00a0<strong>ICAP SA<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">14:30 \u2013 15:30<\/td>\n<td width=\"567\">Panel Discussion:<strong> Digitalization in Credit Risk Management and new Business solutions in current situation with COVID-19<\/strong><\/p>\n<p>Moderator: <strong>Apostolos Tsoubris, <\/strong>Executive Director, Management Consultants, <strong>ICAP<\/strong><\/p>\n<p><strong>Boyan Todorov<\/strong>, Cluster Manager, <strong>Orbico Group<\/strong><\/p>\n<p><strong>Victor Batov, <\/strong>Chief Growth Officer, <strong>Unimasters Logistics SCS<\/strong><\/p>\n<p><strong>Elena Kirova, <\/strong>Business Solutions and Systems Country Manager, <strong>Coca-Cola HBC Bulgaria\u00a0<\/strong><\/p>\n<p><strong>Stefanos Prokos,<\/strong> Director of Services, <strong>Convert Group<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"132\">15:30<\/td>\n<td width=\"567\"><strong>End of conference<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Sponsors:<\/h4>\n<h4>\u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17072\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/PB_LOGO_RGB-ENG.jpg\" alt=\"\" width=\"166\" height=\"70\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-17138\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/08\/BDB.jpg\" alt=\"\" width=\"173\" height=\"55\" \/><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17145\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/08\/CCHBC-Country-mark-RGB-300x94.png\" alt=\"\" width=\"211\" height=\"66\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17068\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/DHL_rgb-300x66.png\" alt=\"\" width=\"182\" height=\"40\" \/>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17189\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/09\/Orbico_logo_CMYK_Positive-300x59.jpg\" alt=\"\" width=\"173\" height=\"34\" \/><\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17070\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/JPP_logo-1-231x300.jpg\" alt=\"\" width=\"86\" height=\"112\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Supporters:<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17094\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/Logo_Italian-Chamber-of-Commerce-300x276.jpg\" alt=\"\" width=\"133\" height=\"122\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17096\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/logo-HBCB-300x183.jpg\" alt=\"\" width=\"163\" height=\"99\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17202\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/09\/Bcci27_new_v-300x199.jpg\" alt=\"\" width=\"173\" height=\"115\" \/> \u00a0<img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-16942 alignnone\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/04\/TL2019_PorscheAudi-1.jpg\" alt=\"\" width=\"300\" height=\"64\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17074\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/BTPLog-out-300x56.jpg\" alt=\"\" width=\"199\" height=\"37\" \/>\u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-17076\" src=\"https:\/\/www.icap.bg\/wp-content\/uploads\/2020\/06\/BC_LOGO_VECTOR-300x161.jpg\" alt=\"\" width=\"153\" height=\"82\" \/>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text css=&#8221;.vc_custom_1586187793923{margin-top: 30px !important;}&#8221;]<\/p>\n<h4>CSR Partner:<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16907&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        <div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Hunter-Richard-2.jpg' alt='Hunter-Richard-2' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Richard Hunter<\/h3><span style = ''>Global Group Head Corporate Ratings, Fitch Ratings<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Head of global corporate ratings group, covering non-financial corporates. Fitch\u2019s corporate rating work is carried out by more than 350 dedicated corporate analysts, based in 22 cities around the world, and also covers all aspects of the rating and surveillance of upwards of 2,000 non-financial corporations across the globe, rating over $10 trillion of debt. Beyond ratings, the group also publishes timely commentary on different sector trends, scenario analyses for industries and individual companies, issuer forecasts, commodity price decks and loan and bond performance across regions.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/M-Kuger2.jpg' alt='M-Kuger2' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Markus Kuger<\/h3><span style = ''>Chief Economist, Dun&amp;Bradstreet<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Markus is the Chief Economist of Dun &amp; Bradstreet and is based in the company\u2019s London office. He holds a Diploma in Economics with a specialisation in labour markets, monetary policy and European economics.In 2009, he obtained a Robert Schuman Scholarship in the European Parliament where he worked for the Committee for Economic and Monetary Affairs, as well as assisting in the Monetary Dialogue between the Parliament and the European Central Bank.After a stint as academic research assistant at the University of W\u00fcrzburg, he joined Dun &amp; Bradstreet\u2019s Country Insight Services in the UK as a Country Risk Analyst in 2010. In this role, he is covering the UK, France and his home country Germany, combining the company\u2019s vast micro-economic data with his macroeconomic and political expertise. Since 2016 he has been one of Dun &amp; Bradstreet\u2019s media spokespersons. In this role, he has featured in newspapers and magazines many times and has also participated in interviews on national television. In addition, he regularly speaks in front of domestic and international audiences.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Myrto-Kyriakidou.jpg' alt='Myrto Kyriakidou' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Myrto Kyriakidou<\/h3><span style = ''>Executive Director, ICAP Credit Risk Services<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Myrto Kyriakidou is Executive Director of the Credit Risk Services at ICAP and responsible for the function of ICAP as a Credit Rating Agency.<br \/>\nPrior to ICAP, she was Director of the Portfolio Analytics Department of Qualco, leading a team of experts who evaluated and designed credit &amp; collections strategies, based on data mining findings and risk modelling. She has held a Risk Analytics consultancy position at National Bank of Greece (NPL Division), contributing to the improvement of Credit and Collections processes. As Head of Statistical Decisions Hellas, she analyzed and evaluated credit portfolios for leading Retail Banks. Her first position was actuary at Interamerican Property &amp; Casualty Insurance Company S.A.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Apostolos-Tsoubris.jpg' alt='Apostolos Tsoubris' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Apostolos Tsoubris<\/h3><span style = ''>Executive Director, ICAP Management Consultants, Private Sector<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Apostolos Tsoubris is the Executive Director and global head of the Management Consulting Practice of ICAP Group. ICAP Management Consultants provide solutions and services globally with specialization in Customer Strategy, Risk Management &amp; Finance, Operational Excellence and Sales &amp; Marketing. A strong team of business consultants and technology experts combine business consulting and innovative technologies resulting to a unique value proposition. Apostolos previously worked for many International solution provider companies &amp; their partners like Sungard, Fiserv, FUNDTech, Unisys, IBM etc.<br \/>\nDuring his 28 year career he has delivered consulting services and complex technology projects to most Banks and Firms like Alpha Bank, Eurobank, Piraeus Bank, Praxia Bank, Optima Bank, Emporiki Bank, Credit Agricole, National Bank of Greece, First Data Hellas (Sia) to name a few.<br \/>\nApostolos is specialized in Credit Risk Management, Customer Loyalty and Analytics, Digital Transformation and Big Data &amp; Analytics. He leads teams specialized in Strategy &amp; Business Consulting, Business Process Management, Corporate Performance Management and Compliance. He is the CEO of Comply.Data, a 100% ICAP Company specialized in Compliance. Apostolos has an excellent domain knowledge in Banking, Telco and Retail business. He holds a Bachelor degree with highest distinction in Computer Engineering, and Masters in Artificial Intelligence, Polytechnic School of Engineering, University of Patras. During his professional career, Apostolos has been trained in different phases of the Adizes program for organizational transformation (Worldwide Leading methodology for accelerating organizational change).<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Tsvetan-Simeonov-photo-scaled-1.jpg' alt='Tsvetan Simeonov photo' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Tsvetan Atanasov Simeonov<\/h3><span style = ''>President, Bulgarian Chamber of Commerce and Industry<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Tsvetan Atanasov Simeonov has been working at the Bulgarian Chamber of Commerce and Industry for more than 30 years now, starting his professional experience as a specialist-jurist in various departments of the Chamber such as the Trade Register Directorate, Law Department etc. He was elected BCCI President in June 2009. He is a member of the following national and international professional bodies:<br \/>\nEMPLOYERS\u2019 DELEGATION OF THE R.BULGARIA WITH THE INTERNATIONAL LABOUR ORGANIZATION-Geneva, BOARD OF DIRECTORS OF THE ASSOCIATION OF THE EUROPEAN CHAMBERS OF COMMERCE AND INDUSTRY (EUROCHAMBRES - Brussels), Organization of the Black Sea economic Cooperation Business Council (BSEC BC) as well as the NATIONAL COUNCIL FOR TRIPARTITE COOPERATION AT THE COUNCIL OF MINISTERS, the ECONOMIC AND SOCIAL COUNCIL, PRESIDENT OF THE BOARD OF GS1 \u2013 BULGARIA, Arbitrator at BCCI\u2019s ARBITRATION COURT etc.<\/p>\n<p>Tsvetan Simeonov was born in Bulgaria and has studied Law in Sofia University \u201cSt. Kliment Ohridski\u201d. He graduated in 1979 getting a M.A Degree in Law. His post graduate qualifications include International Arbitration and Commercial Law. He also specialized in Labour Law and Social Relations at the International Training Centre of the International Labour Organization, Turin.<\/p>\n<p>Apart from his native Bulgarian, he speaks English and Russian<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Elena-Kirova.jpg' alt='Elena Kirova' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Elena Kirova<\/h3><span style = ''>Business Solutions and Systems Country Manager Bulgaria, Coca- Cola HBC Bulgaria<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Elena Kirova is a computer scientist by profession. He joined the team of Coca-Cola HBC in 2008 as an IT expert and over the years passed through various management positions in the organization, covering business solutions and processes from ``Finance``, ``Supply Chain Function`` and ``Sales``, and recently held the position of Director of Business Solutions and Systems.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Victor-Batov-scaled-1.jpg' alt='Victor Batov' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Victor Batov<\/h3><span style = ''>Chief Growth Officer, Unimasters Logistics<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>With over 7 years of experience as a Sales Manager in February 2014 Victor Batov joined the Unimasters family. First as a Sales Manager in the entrepreneurial startup subsidiary e-Novator with main focus on providing advanced collaborative IT tools and solutions (Data capture, Integration and ETL, Business intelligence and analysis, Business process capture, design &amp; management, and etc) for organisations ranging from SMEs to global players in the logistics and transportation industry. In September 2018 he took the role of Project Manager of Unimasters\u2019 Salesforce transformation and sales &amp; marketing process automation. As of November 2018 Victor Batov is Head of Sales, Marketing &amp; Business Development department in Unimasters.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Boyan-scaled-1.jpg' alt='Boyan' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Boyan Todorov<\/h3><span style = ''>Cluster Manager, Orbico Group<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Reaching almost 10 years\u2019 experience in FMCG business, looking it both from perspective of retail and distribution, going through key account manager, sales manager and cluster manager, responsible on group level. Boyan is on the edge of moving back to Bulgarian management board where he will be responsible for developing for new G2M models, solution provider concept and digitalization of the company.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Doncho-Donev_1-scaled-1.jpg' alt='Doncho-Donev_1' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Doncho Donev<\/h3><span style = ''>Head of Capital Market Division, Postbank<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Head of Capital Markets Department at Postbank Doncho Donev is Head of the Capital Markets Division at Postbank. He is responsible for the management of the Bank's activities related to global markets, including - asset and liability management, foreign exchange trading, sale of financial products, distribution of mutual funds, investment banking, brokering and custody services, and services as a trustee bank. Under his leadership, the Capital Markets team achieved several top positions for Postbank in prestigious rankings such as - the most active bank in the local money market, a leading provider of complex derivative solutions in Bulgaria for foreign and domestic customers, and \u2116 1 custodian bank in the Global Custodian rankings for nine consecutive years. Mr. Donev has 20 years of professional experience in the financial markets. He is a successful senior executive with a PhD in Finance, an MBA from London Business School and a CFA certificate. Mr. Donev has extensive experience in portfolio management, investment banking and financial instrument operations. He is also the Chairman of the Arbitration Court at the Bulgarian Stock Exchange since 2010.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Roumen-Galabinov.jpg' alt='Roumen Galabinov' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Roumen Galabinov<\/h3><span style = ''>Economist<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Born in 1966 in Bourgas. He graduated in Economics at the University of National and World Economy and holds post-graduate qualifications from the University of Georgetown in the United States and the University of Exeter, UK. As well as specializations in the Netherlands and Austria. He was the chairman of the Insurance Supervision Agency, and then Deputy Chairman of the Financial Supervision Commission. He has worked for the boards of international financial companies such as ING, AIG and VIG. He is the author of three books and a series of articles in the national and international press in the field of banks, insurance and finance. He speaks English and Russian and he is a member of the Strategic Council of the President of the Republic of Bulgaria.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Prokos.png' alt='Prokos' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Stefanos Prokos<\/h3><span style = ''>Director of Services, Convert Group<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Stefanos Prokos is the Director of Services for Convert Group \u2013 a leading digital consulting firm, based in Athens, Greece. He is responsible for all advisory, training and recruiting services that the company offers to their clients in 13 countries. Stefanos has studied Communication &amp; Mass Media at the University of Athens and holds an MBA International title (with distinction) from the Athens University of Economics and Business with a major in Strategy &amp; Marketing. After working for many years in the Marketing and Sales departments of huge Greek and multinational corporations, he was won over by the challenges of the startup scene with which he was involved for 4 years. He is currently offering his knowledge and experience as an eBusiness Consultant to major corporations in various industries, based in Athens, Greece. Stefanos has handled projects for Philip Morris International (tobacco industry), Kafkas (the largest electrical appliances retailer in Greece ~ \u20ac130m rev\/year), MyMarket (click &amp; mortar super market ~ 223 points of sale, \u20ac1.1b rev\/year), WeLoveSupermarket.gr (first online super market in Greece ~ \u20ac3m rev\/year), as well as several clients in the fashion industry. Complementary to eBusiness consulting, Stefanos has managed projects of sourcing and recruiting senior executives for key roles for his clients, has provided many hours of digital training to senior staff of corporations like Beiersdorf (averaging 80 executives per session) and also successfully consulted one of the most intricate and complicated M&amp;As in the Online Grocery industry in Greece. He was the co-founder of Vieno an innovative startup company that builds mobile solutions for HoReCa businesses in Greece and UAE (exited) and his past experience includes, Online Marketplaces (marketing manager at doctoranytime.gr), SaaS (co-founder of price crawling SaaS, Craw.ly), FMCG and online pharmacy (2 yrs at L\u2019Oreal marketing \u2013 dermocosmetic products division) and Book Retail (store manager for the largest book retailer in Greece). He is a twice award winning public speaker and passionate about goal-driven, cross-border eBusiness.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div>    <\/div>\n<\/div><\/div>[\/vc_tab][vc_tab title=&#8221;2019&#8243; tab_id=&#8221;a88b2cc2-0be5-5&#8243;][vc_single_image image=&#8221;16862&#8243; img_size=&#8221;1024X537&#8243; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1586186897910{padding-top: 30px !important;padding-bottom: 15px !important;}&#8221;]<\/p>\n<p align=\"justify\"><strong>ICAP Bulgaria<\/strong>, member of ICAP, group of companies, the largest Business Information and Consulting group in Southeastern Europe, is organizing the\u00a0<strong>10th Credit Risk Management Conference<\/strong>\u00a0in Bulgaria.<\/p>\n<p align=\"justify\">The event will take place on Thursday the\u00a0<strong>16th of May<\/strong>\u00a0at\u00a0<strong>Sofia Hotel Balkan<\/strong>.<\/p>\n<p align=\"justify\">This year\u2019s discussions will recap the past\u00a0<strong>decade, which was marked by challenges<\/strong>, economic crisis and uncertainty.<\/p>\n<p align=\"justify\">How the Bulgarian companies managed credit risk during the last ten years and what is the current economic situation, in the context of automation and digitization of products and services, are some of the topics to be discussed during the Credit Risk Management Conference.<\/p>\n<p align=\"justify\"><strong>Bulgarian and international keynote speakers<\/strong>\u00a0will provide useful information enabling debates and brainstorming on Credit Risk issues.<\/p>\n<p align=\"justify\">This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.<\/p>\n<p>[\/vc_column_text]<div class=\"qode-accordion-holder clearfix qode-toggle qode-initial \">\n\t<h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-book \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Agenda    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<table border=\"0\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td nowrap=\"nowrap\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">08:30 &#8211; 09:00<\/span><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0\u00a0<\/span><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">Registration \/ Coffee<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman; font-size: medium;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">09:00 &#8211; 09:20<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">Welcome<br \/>\n<strong>Vladimir Danailov,<\/strong>\u00a0Executive Director,\u00a0<strong>Sofia Municipal Privatisation and Investment Agency<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">09:20 &#8211; 09:40<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Introductory Remarks<br \/>\n<strong>Nikitas Konstantellos<\/strong>, President &amp; CEO,\u00a0<strong>ICAP group of companies<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">09:40 &#8211; 10:10<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Economic Overview<br \/>\n<strong>Roumen Galabinov<\/strong>, Economist<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">10:10 &#8211; 11:00<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">&#8220;Structured Finance Ratings: old sins and new challenges&#8221;<br \/>\n<strong>George Christodoulakis<\/strong>, Associate Professor of Finance,\u00a0<strong>Manchester Business School<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">11:00 &#8211; 11:20<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Networking break<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">11:20 &#8211; 11:50<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">&#8220;AML compliance steps&#8221;<br \/>\n<strong>Lora Georgieva<\/strong>, Jurist,\u00a0<strong>Penkov, Markov &amp; Partners<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman; font-size: medium;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">11:50 &#8211; 12:50<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Panel Discussion: &#8220;Compliance &#8211; an ongoing commitment that evolves in alignment with changes in the market, as well as changes in businesses&#8221;<\/span><\/span><\/p>\n<p>Moderator:<br \/>\n<strong>Nikolay Cvetanov<\/strong>, Junior Partner,\u00a0<strong>Penkov, Markov &amp; Partners<\/strong><\/p>\n<p>Participants:<br \/>\n\u2022\u00a0<strong>Rozana Petrova<\/strong>, Head of Compliance Department and Compliance officer,\u00a0<strong>Unicredit Bulbank<\/strong><br \/>\n\u2022\u00a0<strong>Albena Rasheva<\/strong>, Senior Advisor,\u00a0<strong>Eurofast<\/strong><br \/>\n\u2022\u00a0<strong>Ivan Kavrukov<\/strong>, Manager of the\u00a0<strong>Anti-Money Laundering Sector Branch Association (AMLSBA)<\/strong><br \/>\n\u2022\u00a0<strong>Nikolay Aldimirov<\/strong>, Chairman of the\u00a0<strong>Management Board of the Center for Prevention and Countering Money Laundering (CPCML)<\/strong>, Alsas<\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">12:50 &#8211; 13:20<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">&#8220;Rethinking Enterprises, Ecosystems and Economies with Blockchains&#8221;<br \/>\n<strong>Haris Linardakis<\/strong>, IBM Cloud Leader,\u00a0<strong>Greece &amp; Cyprus<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">13:20 &#8211; 14:30<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Networking Lunch<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">14:30 &#8211; 15:00<\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">&#8220;Risk Profiling of Corporates: Diving into a Quantitative method&#8221;<br \/>\n<strong>Myrto Kyriakidou<\/strong>, Executive Director, Credit Risk Services,\u00a0<strong>ICAP SA<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman; font-size: medium;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #000000; font-family: Times New Roman;\"><span style=\"font-size: small;\"><span style=\"color: #6f6f6f; font-family: Verdana;\">15:00 &#8211; 15:30<\/span><\/span><\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">&#8220;Discovering hidden opportunities in the portfolio of customers&#8221;<br \/>\n<strong>Simone Rampichini<\/strong>, Senior Manager, Global Business Information,\u00a0<strong>CRIF<\/strong><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman; font-size: medium;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><span style=\"color: #000000; font-family: Times New Roman;\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">15:30 &#8211; 17:00<\/span><\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">Panel Discussion: \u201cManaging the tension between business growth and credit risk\u201d<\/span><\/span><\/p>\n<p>Moderator:<br \/>\n<strong>Dimitar Mihaylov<\/strong>, Chief Commercial Officer,\u00a0<span style=\"font-size: small;\"><strong>ARS Bulgaria<br \/>\n<\/strong><br \/>\nParticipants:<br \/>\n\u2022\u00a0<strong>Dimitar Marinov<\/strong>, Attorney at law and insolvency administrator<br \/>\n\u2022\u00a0<strong>Martin Mihaylovski<\/strong>, Business Development Director,\u00a0<strong>HUS<\/strong><br \/>\n\u2022\u00a0<strong>Victor Batov<\/strong>, Chief Growth Officer,\u00a0<\/span><span style=\"font-size: small;\"><strong>Unimasters Logistics<br \/>\n<\/strong>\u2022\u00a0<strong>Alexander Buhchev<\/strong>, Senior Manager, Credit Risk Corporate Clients,\u00a0<\/span><span style=\"font-size: small;\"><strong>UniCredit Bulbank<br \/>\n<\/strong>\u2022\u00a0<strong>Radoslav Pashov<\/strong>, Chief Financial Officer,\u00a0<strong>Belovo Paper Mill S.A<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman; font-size: medium;\">\u00a0<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000000; font-family: Times New Roman;\"><span style=\"color: #6f6f6f; font-family: Verdana; font-size: small;\">17:00<\/span><\/span><\/td>\n<td><\/td>\n<td><span style=\"color: #6f6f6f; font-family: Verdana;\"><span style=\"font-size: small;\">End of Conference<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-headphones \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Speakers    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text][\/vc_column_text]<div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='' alt='Credit Risk Conference' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Haris Linardakis<\/h3><span style = ''>Cloud leader, IBM Greece and Cyprus<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Haris Linardakis is the IBM cloud leader, Greece and Cyprus since 2015. Within his role, he is helping enterprises of all sizes in Greece and Cyprus to assess cloud readiness, develop cloud adoption strategies and power their digital transformation.<br \/>\nThroughout his career in IBM, he held business development positions in global technology services and enterprise business unit. As a professional, he is committed to deliver business value through technological advancement and innovative thinking. His main interests include cloud platforms and services, business analytics, internet of things, cognitive applications and agile application development.<br \/>\nHaris\u2019 academic background includes electrical and computer engineering degree and a PhD degree in telecommunications, both from the National Technical University of Athens. He has published and participated in research programmes in the area of medium access control protocols in Optical Networks.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/04\/10th_crc_Simone_Rampichini.jpg' alt='10th_crc_Simone_Rampichini' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Simone Rampichini<\/h3><span style = ''>Global Business Information, CRIF<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Born in 1972 in Milan, Italy, Simone Rampichini got a Master of Science in Aeronautics Engineering from the University of Politecnico di Milano. Passionate in innovation and in leading edge technologies he brought his curiosity and creativity into the b2b ``world``. With over 18 years of experience in Presales, Business Development, Business Consulting, Technologies, Scoring models, Trade Portfolio data management, and Data Mining, he is a Senior Manager in the Global Business Information in CRIF (www.crif.it).<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/04\/10th_crc_RubenGalabinov.jpg' alt='10th_crc_RubenGalabinov' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>Roumen Galabinov<\/h3><span style = ''>Economist<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>Roumen Galabinov graduated in Economics at the University of National and World Economy and holds post-graduate qualifications from the University of Georgetown in the United States and the University of Exeter, UK. \u0430s well as specializations in the Netherlands and Austria. He was the chairman of the Insurance Supervision Agency and then Deputy Chairman of the Financial Supervision Commission. He has worked for the boards of international financial companies such as ING, AIG and VIG. Roumen Galabinov is the author of three books and a series of articles in the national and international press in the field of banks, insurance and finance. He speaks English and Russian and he is a member of the Strategic Council of the President of the Republic of Bulgaria.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div><div class='q_team info_description_below_image qode_team_disabled_hover'><div class='q_team_inner'><div class='q_team_image'><div class='q_team_image_holder'><img itemprop='image' src='https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2020\/09\/Orbico_logo_CMYK_Positive.jpg' alt='Orbico_logo_CMYK_Positive' \/><\/div><div class='q_team_text' ><div class='q_team_text_inner'><div class='q_team_title_holder'><h3 class='q_team_name' style = ''>George Christodoulakis<\/h3><span style = ''>Associate Professor of Finance, Manchester Business School<\/span><\/div><div class='separator small center' style = ''><\/div><div class='q_team_description_below_image_wrapper'><div class='q_team_description'><div class='q_team_description_inner'><p>\u0414-\u0440 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\u043a\u043d\u0438\u0433\u0430\u0442\u0430 ``\u0423\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043d\u0430 \u0440\u0438\u0441\u043a\u043e\u0432\u0435\u0442\u0435 \u0432 \u0435\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u043a\u0430\u0442\u0430 \u043a\u0440\u0438\u0437\u0430 \u043d\u0430 \u043f\u0435\u0440\u0438\u0444\u0435\u0440\u043d\u0438\u0442\u0435 \u0434\u044a\u043b\u0433\u043e\u0432\u0435``, \u041f\u0430\u043b\u0433\u0440\u0435\u0439\u0432 \u041c\u0430\u043a\u043c\u0438\u043b\u0430\u043d 2015. \u0421\u044a\u0432\u043c\u0435\u0441\u0442\u043d\u043e \u0440\u0435\u0434\u0430\u043a\u0442\u0438\u0440\u0430 \u0430\u043d\u0430\u043b\u0438\u0437 \u043d\u0430 \u0440\u0438\u0441\u043a\u0430, Elsevier 2008 \u0438 \u0432\u0435\u0441\u0442\u043d\u0438\u043a \u0437\u0430 \u0432\u0430\u043b\u0438\u0434\u0438\u0440\u0430\u043d\u0435 \u043d\u0430 \u043c\u043e\u0434\u0435\u043b\u0430 \u043d\u0430 \u0440\u0438\u0441\u043a\u0430, \u0441\u043f\u0438\u0441\u0430\u043d\u0438\u044f \u0437\u0430 \u0440\u0438\u0441\u043a\u0430 2006.<\/p><\/div><\/div><\/div><\/div><\/div><div class='q_team_social_holder'><\/div><\/div><\/div><\/div>    <\/div>\n<\/div><h4 class=\"clearfix qode-title-holder\">\n<span class=\"qode-tab-title\">\n\t\t\t<span class=\"qode-tab-title-icon\">\n\t\t\t<i class=\"qode_icon_font_awesome fa fa-shield \" ><\/i>\t\t<\/span>\n\t    <span class=\"qode-tab-title-inner\">\n        Sponsors    <\/span>\n<\/span>\n<span class=\"qode-accordion-mark\">\n    <span class=\"qode-accordion-mark-icon\">\n        <span class=\"icon_plus\"><\/span>\n        <span class=\"icon_minus-06\"><\/span>\n    <\/span>\n<\/span>\n<\/h4>\n<div  class=\"qode-accordion-content qode-acc-title-with-icon\" >\n    <div class=\"qode-accordion-content-inner\">\n        [vc_column_text]<\/p>\n<h4>Distinguished Sponsors<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16873&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Sponsors<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16875,16877,16879,16881,16883,16885&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text]<\/p>\n<h4>Media Partners:<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16889,16891,16893,16895&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; 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column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;][vc_column_text css=&#8221;.vc_custom_1586187793923{margin-top: 30px !important;}&#8221;]<\/p>\n<h4>CSR Partner:<\/h4>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][vc_gallery type=&#8221;image_grid&#8221; images=&#8221;16907&#8243; img_size=&#8221;medium&#8221; onclick=&#8221;&#8221; css_animation=&#8221;bounceInDown&#8221; column_number=&#8221;5&#8243; grayscale=&#8221;no&#8221; images_space=&#8221;gallery_with_space&#8221;][vc_separator type=&#8221;normal&#8221;]    <\/div>\n<\/div><\/div>[\/vc_tab][\/vc_tabs][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_empty_space height=&#8221;200px&#8221;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; background_color=&#8221;#ffffff&#8221; padding_bottom=&#8221;30&#8243;][vc_column][vc_tabs style=&#8221;boxed&#8221; el_class=&#8221;disabled-accordion&#8221;][vc_tab title=&#8221;2025&#8243; tab_id=&#8221;1744638578331-6-3&#8243;][vc_single_image image=&#8221;30924&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; qode_css_animation=&#8221;&#8221;][vc_empty_space][vc_column_text]This year, we are delighted to welcome you once again to the 16th edition of the Annual Credit Risk Management Conference. 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