Petar Mrkonjić Managing Director, EOS Matrix Bosnia & Herzegovina Jelena Jović Managing Director, EOS Matrix Serbia Bojan Fras Vicegovernor, Croatian National Bank Krešimir Maskalan Head of the Restructuring and Collection of Retail Secured, EOS Matrix Croatia Milan Sekulić Head of Trade Finance and WoCa, UniCredit Bank Serbia Nikola Bašanović Head of Directorate for licensing, approvals, measures and compliance, Central Bank of Montenegro Jelisaveta Janić Partner – Attorney at Law and Head of the Banking & Finance Department, VP Law Firm Daniela Todorovska Corporate Attorney at Law in collaboration with VP Law Firm Radan Uzelac Head of Credit Insurance Department, Wiener Städtische Insurance Nikola Bošković Head of Credit Risk Management & DAM Department, Addiko Banka Crna Gora Marko Mićanović Attorney at Law Sonja Miladinovski Head of Risk Governance and ESG Risk Coordination Directorate, OTP banka Srbija Milena Milosavljević ESG Expert Ognjen Rogačev Senior Officer for Collateral Assessment, UniCredit Bank Gábor Bakonyi-Kiss Vice President – Investments, Laub Capital Biljana Seratlić Head of Department for non performing assets management and collection, NLB Banka Banja Luka Patrick Franolić Managing Director, Spiller Farmer Ltd. Uglješa Džambić Head of Off-site Banking Supervision Division, National Bank of Serbia Ognjen Popović Assistant Minister in charge of the Financial System Department, Ministry of Finance of the Republic of Serbia Marina Papadakis Secretary General, Association of Serbian Banks (ASB) Mirela Ibrahimović Ćato Co-founder and Managing Director, ODM Collections B&H Martina Kalamiza Grozdek Partner, Lovrić Novokmet & Partners Law Firm Uroš Milosavljević Associate Partner, KPMG Dejan Hadžić Head of Insurance and Real Estate Unit, Ministry of Finance of the Republic of Serbia Jelena Vuletić Member of the Management Board, Hipotekarna Banka Matej Pirc Executive Director, Slovenian Sovereign Holding Ifeta Jahić Head of Special exposures Non-Retail and Collateral management, Raiffeisen Bank BiH Bryan Beaton Managing Director, Atrium Property Services Vojislav Lazarević Chairman of the Executive Board, Addiko Banka Karlis Bauze Senior Financial Sector Specialist, FinSAC, The World Bank