| 1. | Possesses fundamental, up-to-date, and applied knowledge related to the banking and insurance profession. |
| 2. | Has knowledge of occupational health and safety, environmental awareness, and quality management processes in the financial services sector. |
| 3. | Follows current developments in the banking and insurance sector (e.g., FinTech, InsurTech) and effectively utilizes related applications. |
| 4. | Effectively uses information technologies related to the profession. |
| 5. | Has the ability to independently evaluate financial problems and risks using an analytical approach and propose appropriate solutions. |
| 6. | Effectively communicates knowledge and skills through financial reporting as well as written and oral communication. |
| 7. | Assumes responsibility as a team member in solving complex problems encountered in finance and insurance practices. |
| 8. | Has awareness of career management and lifelong learning in financial markets. |
| 9. | Acts in accordance with social, scientific, cultural, and professional ethical values (including banking ethics) in the collection, processing, and dissemination of financial data. |
| 10. | Uses a foreign language to follow international literature in the field and communicate effectively with professional peers. |