For the purpose of efficient organization of the internal control system, the Audit Committee has been established under the Bank’s Supervisory Board.

The task of the committee is to assist in ensuring control by the Supervisory Board of the bank, namely:

- For the qualifications and independence of the bank’s external auditing organization;

- For the activities of the Bank’s Internal Audit Department;

- For the quality and completeness of the financial and accounting statements of the bank;

- Over the bank’s compliance with the requirements of the legislation of the Republic of Uzbekistan and the requirements of the competent(supervisory) state bodies.

Committee composition:  

1. Shamansurova Barno Muzaffarovna - Chairperson of the Committee

Position: Advisor to the Executive Director

Place of work: LLC "CLEVER Mikrokredit Tashkiloti"

2. Nosirov Shoodil Nosirovich - Member of the Committee

Position: Deputy Director

Place of work: "GRANT THORNTON" LLC

3. Yuldashev Bakhadir Tashpulatovich - Member of the Committee

Position: Advisor to the Executive Director

Place of work: LLC "CASH U MIKROKREDIT TASHKILOTI"

4. Alimov Ikrom Ismailzhanovich - Member of the Committee

Position: Director

Place of work: "Start Soft" LLC

The main goal of the Committee is to assist the Bank’s Supervisory Board in the implementation of its regulatory and supervisory functions in the area of control over the availability and operation of an adequate risk management system in the bank, risk, analysis, improvement and strengthening of the risk management system

Committee composition:  

1. Safarov Muzaffar Abdinazarovich - Chairman of the Committee

Position: Member of the Supervisory Board

Place of work: JSC "ANOR BANK"

2. Nosirov Shoodil Nosirovich - Member of the Committee

Position: Deputy Director

Place of work: "GRANT THORNTON" LLC

3. Shamansurova Barno Muzaffarovna - Member of the Committee

Position: Advisor to the Executive Director

Place of work: LLC "CLEVER Mikrokredit Tashkiloti"

The Remuneration Committee was created in order to formulate a personnel policy for the selection of highly qualified specialists for the Bank’s Management Board, for the position of the Chairman of the Management Board, develop principles and criteria for determining the amount of remuneration and compensation paid to the bank’s employees, develop a transparent motivation system for bank employees, and prepare recommendations for creating and implementation of effective models and solutions in the field of personnel management.

Committee composition:  

1. Olimov Kakhramonjon Anvarovich – Chairman of the Committee 

Position: CEO’s councelor

Place of work: JSC «Kapital Sug’urta»

2. Djumaniyazova Anadjan Kudratovna - Member of the Committee

Position: Advisor to the Executive Director

Place of work: LLC "CLEVER Mikrokredit Tashkiloti"

3. Akramov Sherzod Salimovich – Committee member

Position: Chairman of the board

Place of work: JSC «ANOR BANK»

4. Zanaxov Timur Farxidovich – Committee member

Position: Head of Legal Department 

Place of work: JSC «ANOR BANK»

5. Ilkhomzhonov Alijon Sanatjon ugli - Member of the Committee

Position: Head of the Division of Motivation, Compensation and Benefits

Place of work: "ANOR BANK" JSC

Responsible for the development and coordination of the Bank’s international cooperation, interaction with foreign financial institutions, international organizations, and investors, as well as for shaping and implementing approaches to capital attraction. The Committee reviews key initiatives and projects in the international and investment areas, assesses their effectiveness and risks, and ensures alignment of the Bank’s activities with its strategic objectives and regulatory requirements.

Composition:

1. Stéphanie Guénaëlle Rivoal - Chairperson of the Committee

Position: Mission Committee Member

Workplace: YouSchool

2. Maximilian Edward Johnson - Committee Member

Position: Director

Location: Max Murray Limited, London

3. Nurutdinova Madina Dzhalalitdinovna - Member of the Committee

Position: Deputy Chairman of the Management Board

Place of work: JSC "ANOR BANK"

4. Mirzahidov Mirsodiq Mirzohid ugli - Member of the Committee

Position: Head of the International Relations Division

Place of work: JSC "ANOR BANK"

5. Akramov Sherzod Salimovich - Member of the Committee

Position: Chairman of the Management Board

Place of work: JSC "ANOR BANK"

Responsible for shaping and implementing the bank’s strategic goals, analyzing market trends, and developing long-term plans to enhance the organization’s competitiveness and resilience.

Committee Members:

1.  Saidullaev Anvar Rustamovich  – Committee Member

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

2. Bakiyev Akmal Akramovich – Committee Member

Position: Director of Risk Management Department

Organization: JSC “ANOR BANK”

3. Azimov  Sobitjon Sobirjon Ugli – Committee Member

Position: Head of Financial Management Division

Organization: JSC “ANOR BANK”

Oversees the bank’s financial performance, budget analysis, asset and liability management, and financial risk assessment. It also makes decisions on investment and resource allocation.

Committee Members:

1. Akramov Sherzod Salimovich - Chairman of the Committee

Position: Chairman of the Board

Place of work: JSC "ANOR BANK"

2. Nurutdinova Madina Djalalitdinovna - Member of the Committee

Position: Deputy Chairman of the Board

Place of work: JSC "ANOR BANK"

3. Xidoyatova Shaxnoza Muzaffarovna - Committee Member

Position: Director of the Treasury Department

Place of work: JSC "ANOR BANK"

4. Bakiyev Akmal Akramovich - Member of the Committee

Position: Director of Risk Management Department

Place of work: JSC "ANOR BANK"

5. Azimov Sobitjon Sobirjon ugli - Member of the Committee

Position: Head of the Financial Management Department

Place of work: JSC "ANOR BANK"

Focused on employee recruitment, training, and development, as well as performance assessment. The committee designs motivation programs and career development plans to ensure professionalism and employee satisfaction.

Committee Members:

1. Akramov Sherzod Salimovich  – Chairman of the Committee

Position: Chairman of the Management Board

Organization: JSC “ANOR BANK”

2.Nadzhimitdinov Eler Rustamovich  – Committee Member

Position: First Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

3. Saidullaev Anvar Rustamovich  – Committee Member

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

4. Kadirov Elbek Rustamovich  – Committee Member

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

5.  Khan Sergey Dmitrievich – Committee Member

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

6. Zanakhov Timur Farkhidovich  – Committee Member

Position: Head of Legal Department

Organization: JSC “ANOR BANK”

7. Norkin  Maksim Igorevich – Committee Member

Position: Head of General Security Division

Organization: JSC “ANOR BANK”

Responsible for the analysis and management of non-performing loans and distressed assets. It develops strategies for restructuring or liquidation to minimize losses and improve the credit portfolio quality.

Committee Members:

1. Baev Olim Khabibullaevich  – Committee Member

Position: Acting Director of the Monitoring Department

Organization: JSC “ANOR BANK”

2. Bakiyev Akmal Akramovich – Committee Member

Position: Director of Risk Management Department

Organization: JSC “ANOR BANK”

3. Makhmudov Kamolitdin Mukhtarovich  – Committee Member

Position: Deputy Head of the Credit Risk Division, Risk Management Department

Organization: JSC “ANOR BANK”

4. Davkaraev Iskander Azatovich  – Committee Member

Position: Head of Distressed Asset Recovery Division, Monitoring Department

Organization: JSC “ANOR BANK”

1. Reviews lending matters related to legal entities, sole proprietors, and individuals;

2. Develops procedures and internal controls for monitoring the credit portfolio;

3. Coordinates the work of units handling doubtful and uncollectible debts.

Committee Members:

1. Akramov Sherzod Salimovich  – Chairman of the Committee

Position: Chairman of the Management Board

Organization: JSC “ANOR BANK”

2. Khan Sergey Dmitrievich  – Committee Member

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

3. Bakiyev Akmal Akramovich – Committee Member

Position: Director of Risk Management Department

Organization: JSC “ANOR BANK”

4. Baev  Olim Khabibullaevich – Committee Member

Position: Acting Director of the Monitoring Department

Organization: JSC “ANOR BANK”

5. Zanakhov  Timur Farkhidovich – Committee Member

Position: Head of Legal Department

Organization: JSC “ANOR BANK”

6. Makhmudov Kamolitdin Mukhtarovich – Committee Member

Position: Deputy Head of the Credit Risk Division, Risk Management Department

Organization: JSC “ANOR BANK”

Responsible for identifying, assessing, and managing operational risks related to the bank’s activities. The committee develops preventive measures and mitigates the impact of incidents.

Committee members:

1. Bakiyev Akmal Akramovich– Chairman of the Committee 

Position: Director of Risk Management Department

Organization: JSC “ANOR BANK”

2. Yusupzoda Elyor Sayyor Ugli  – Committee Member

Position: Head of IT Operations Division

Organization: JSC “ANOR BANK”

Established to support the development of IT processes in alignment with business plans, foster collaboration between departments in the IT domain, assist in infrastructure development, and resolve technical issues in IT project implementation.

Committee Members:

1. Saidullaev Anvar Rustamovich  – Chairman of the Committee

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

2. Yusufzoda Elyor Sayyor ogli  – Committee Member

Position: Head of the Internal IT Systems Department

Organization: JSC “ANOR BANK”

3. Miftahanov Rafael Rasihovich –  Committee Member

Position: Head of the IT Infrastructure Division and Data Processing Center

Organization: JSC “ANOR BANK”

4. Abdurakhmanov Abduazim Abduhakimovich  –  Committee Member

Position:  Acting Head of the Information Security Division

Organization: JSC “ANOR BANK”

5. Tuychiev Azizbek Rovshanbek ugli  – Committee Member

Position:  Head of the IT Architecture and Technological Development Division

Organization: JSC “ANOR BANK”

Handles planning and oversight of goods and services procurement for the bank. Ensures budget compliance, evaluates vendor proposals, and selects the most cost-effective procurement options.

Committee Members:

1. Kadirov  Elbek Rustamovich – Chairman of the Committee

Position: Deputy Chairman of the Management Board

Organization: JSC “ANOR BANK”

2. Azimov Sobitjon Sobirjon Ugli  – Committee Member

Position: Head of Financial Management Division

Organization: JSC “ANOR BANK”

3.  Babaev Umid Mukhammadovich – Committee Member

Position: Chief Accountant

Organization: JSC “ANOR BANK”

4. Shomurodova Guzal Egamberdiyevna  – Committee Member

Position: Head of Compliance Control Division, Compliance and Internal Audit Department

Organization: JSC “ANOR BANK”

5. Zanakhov Timur Farkhidovich  – Committee Member

Position: Head of Legal Department

Organization: JSC “ANOR BANK”