Dragos A. CABAT, CFA, MBA mobile: ++40 722 631 319 e-mail: [email protected]

MEMBERSHIP IN PROFESSIONAL ORGANISATIONS AND CFA INSTITUTE ACTIVITY

President of CFA Romania, 2001-2004, 2007-2009.

Vice-president and Programs Chair, 2004–2007, 2010-2011.

Board member 2009-2010, 2011- 2013, 2019-2020.

CFA Romania was admitted as the 108th worldwide member society of the CFA Institute in February 2002.

Member of the CFA Institute (former Association for Investment Management and Research) since 1998.

CFA exams Grader 2009 - 2017

Member of the Professional Development (PD) Committee of the CFA Institute 2006- 2007.

Member of the Standard Setting Panel for the CFA examination in June, 2007 and June, 2008.

Member of the Bucharest Stock Exchange (BSE) Indices Committee 2007-2014

Member of the Supervisory Board of Certinvest, since 2010

EDUCATION

2000, September: CFA (Chartered Financial Analyst) charter holder. Designation conferred by CFA Institute.

The Chartered Financial Analyst (CFA®) Program is a globally recognized standard for measuring the competence and integrity of financial analysts.

1997 – I was granted one of the five International scholarships offered by AIMR (currently CFA Institute) for candidates to the CFA Program. The scholarship covered enrollment cost, registration for the level I exam, and the cost of the CFA Curriculum materials.

1994, May – 1995, April: Canadian MBA Program Master of Business Administration diploma. Courses were taught by Canadian Professors from McGill, and UQAM.

1987, September – 1993, July: Bachelor in Engineering of mechanical engineering, from the Polytechnics Institute, Faculty of Engineering.

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OTHER ACTIVITIES

Published a large number of articles related to commercial banking, macroeconomics and financial analysis in newspapers (Ziarul Financiar, Financiarul, Bursa) and magazines (Forbes Romania, Business Week Romania, Business Magazin, Biz, Capital, Adevarul Economic, Bilant) in Romania, the UK (Professional Investor), and the US (CFA Magazine).

Quoted by news agencies (Reuters, Bloomberg, Mediafax, NewsIn) on various economic and political issues in Romania.

Interviewed by national television stations (Digi 24, TVR1, ProTv, The Money Channel, TVR Info, Realitatea TV, Prima TV) and radio stations (BBC, Rfi, Romania Actualitati) on various economic topics.

TEACHING EXPERIENCE

2003 – trainer to many Financial Institutions and multinational firms, taught courses related with Financial and Business Analysis (BCR, BT, Garanti, Alpha Bank, Piraeus, Marfin, Italo-Romena, Bancpost, FNGCIMM, Consiliul Concurentei, ASF, Petrom, Mysis, etc)

2012: Romanian- Canadian MBA Program, taught the Managerial Economics module during the period January – March.

2011 – 2013: trainer with 2 EU financed projects of the Academy of Economic Studies (ASE) in Bucharest - Project 61086 Development of Access to Business Management Programs in Romania, and Project 61095 Entrepreneurs for the Future, in collaboration with Banca Transilvania.

2008 – 2014: trainer or guest speaker to numerous masters’ programs within ASE University (mostly within the Banking, Insurance and Stock Exchanges masters’ programs)

2003-2005: as the leading trainer, I implemented in UniCredit the Credit Learning Organization Project, initiated by UniCredit Bank Milan in all its subsidiaries in CE Europe. Under this project, all management within the bank (top management, branch managers), and subsequently sales and credit officers, were trained according to the UniCredit best practices of management and lending. The training programs was organized in 5 modules, each module lasting 2 days of training. More than 450 people have been trained under this project, during a period of one and a half years between June 2003 and October 2005.

Page 2 WORKING EXPERIENCE

2008, September – present: Managing Partner, RISCO SERVICII FINANCIARE SRL. www.risco.ro.

RisCo is the leading business intelligence portal in Romania, which provides financial services including rating to all range of companies, from large multinationals to SMEs. A number of reports, including financial (Financial Rating, Probability of Default, Market Value, Trade Limits, Credit Limits), payments, and legal reports help any representative of a company to find out the standing of its clients or suppliers, and whether a business relationship with such a partner is appropriate or not. A comprehensive quantitative analysis is provided on more than 650,000 companies in Romania, which report financial information to the authorities. For selected companies (larger companies or on demand from our corporate customers), we offer also in-depth qualitative analyses to supplement the quantitative ones.

2007, October – 2008, June: Deputy Country Risk Manager with Citibank, Romania (one of the largest banking groups in the world). Responsible for the Risk Management of the retail division of Citi in Romania, with the main target of credit policy.

2005, September – 2007, October: Director, Risk Management Directorate with OTP Bank Romania, member of the OTP Group (the largest financial group in Hungary). President of the Retail Credit Committee since 2006, and Vice-president of the Credit Committee since 2007. The Credit Committees made the original lending decisions on most SME loans extended by the Bank (with the exception of very small amount credit lines, for trading financing purposes). As a Risk Director, I was also in charge with the approval and management of the lending criteria for both individuals and SMEs (which were treated according with Basel 2/3 Regulations, under the Retail approach), and Corporate Credit.

2001, March – 2005, September: Head of Credit Policy and Process, Project Manager, Head of Macroeconomic Research, Branch Manager with UniCredit Romania, member of UniCredit Group (the second largest banking group in Italy).

1998, December – 2001, February: Corporate Finance Executive with Demir Securities. In charge with origination and execution of corporate finance deals on the investment banking side. Additionally, coordinated research activity covering equities listed on the Bucharest Stock Exchange (BSE).

1995, July – 1998, November: Chief Financial Adviser with Intervam, a brokerage house. I worked closely with the investment bank WestLB of London, on both research and CF side and with Credit Commercial de France on CF deals.

PERSONAL DATA

Date of birth: 24 November 1967 Marital status: married

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