Angela Charwot - Head of the Austrian Representative Office of the Montenegrin Joint Stock Company "Zapad Bank", with many years of experience in management positions in an Austrian Private Bank as well as in legal and other Austrian companies. Ms Charwot has extensive experience in the legal field and in the field of private and corporate banking. She uses her entrepreneurial approach in business development and is always open to finding solutions for her clients. She is fluent in Russian and German languages.