Miroslav Kozul and Elio Cetina newly appointed directors in Erste banka

Zagreb, 11 February 2015 – Erste&Steiermärkische Bank d.d. appointed two new directors in the past few days. Miroslav Kozul became the Director of Corporate Risk Management Sector, while Elio Cetina took over the Internal Audit Sector. With the new appointments, Erste banka entrusted the leadership of those two departments to seasoned experts who will contribute to the successful handling of the upcoming business challenges to be encountered by Erste banka.

Miroslav Kozul, Corporate Risk Management Department

Miroslav Kozul graduated from Zagreb Faculty of Economics and Business in 1995, majoring in Accounting and Finance. After graduation, he started working in Zagrebacka banka in 1995 through EDUCA trainee programme. Completing the programme in May 1996, he became an internal auditor in Zagrebacka banka. In mid-1998 he relocated from Zagreb to Bjelovar and became the Branch director in Zagrebacka banka branch office for Bjelovar and Djurdjevac area, representing the bank in dealing with individuals and entrepreneurs. In 2001 he became the Retail regional manager for Central and North-West Croatia for retail and entrepreneurs, and from 2003 to 2010 he was the Head of SME banking. In the end of 2010 he transferred to Risk management department in Zagrebacka banka and worked as the Head of Restructuring and Collection, in charge of corporate clients, SMEs and individual clients until the end of 2012. After that, until he transferred to Erste banka, he was the Head of Special Loans for Retail. In addition to rich banking experience related to handling various types of clients in different roles, he attended numerous expert training programmes. He is a member of many expert associations and he occasionally presents as a guest speaker at expert conferences in the area of finance and banking and authors texts in trade journals.

Elio Cetina, Internal Audit Division

After graduating from Zagreb Faculty of Economics and Business in 2007, majoring in Finance, he started his professional career in audit company PriceWaterhouseCoopers Croatia, working in its Audit department, where he was a member of teams that audited the biggest companies in Croatia. Afterwards, he worked in the Transaction services department as the senior advisor and team leader of screening, corporate finance and value estimation projects. He joined the Erste banka team in 2010, working first for the Internal audit department, and in December 2012 he took over the position of the Head of business processes and group members audit department and became a member of the Audit committee in Erste Bank AD Podgorica in Montenegro, where he stayed until his appointment to the position of the director of Internal Audit Division. He is a member of Internal Auditors' Section of the Croatian Association of Accountants and Financial Experts and a Certified internal auditor – Specialist for banks and financial institutions.