Ms. Decker joined ProCredit Bank Ukraine as the General Manager in March 2008. She supervises the bank’s Credit Department, Human Resources, Staff Training and Risk Management. From August 2006 to March 2008 Ms. Decker served as the Deputy General Manager of ProCredit Bank Ukraine. From 2003 to 2006, she was the General Manager of ProCredit Bank Bulgaria. Before that she was Deputy General Manager in charge of operations and head of credit at KMB Bank in Russia, a position she had held since the institution was founded. Her initial assignment for IPC was as a credit adviser to various partner banks in the EBRD Russia Small Business Fund. Ms. Decker has 8 year banking experience with a large commercial bank in Germany and holds a Master degree in Economics from States University Bonn. Ms. Decker is a member of IPC’s staff since 1997.

Born 1976. Mr. Ponomarenko joined ProCredit Bank in March 2004 as Head of Business Client Development. From November 2006 he is the Deputy General Manager in charge of Accounting, Treasury, Budgeting and Controlling, MIS/Reporting. Prior to that, since 1997 he had been working for IPC microlending projects, mainly in Microlending Programme in Ukraine. He also was on short assignments in Russia. Education: A.B. Freeman School of Business, Tulane University, USA; Kyiv National University of Economics. Mr. Ponomarenko is a CFA charterholder and a member of CFA Institute.