Anastasia LITVINOVA, Director of the Analytical Group for the Insurance Sector, Fitch Ratings; Ekaterina TOLSTOVA, Deputy Director of S&P Global for Russian Federation; Alexey BREDIKHIN, Director, Financial Institutions Ratings Group, ACRA; Arseniy POYARKOV, President of the Analytical Agency, BusinessDrom; Vladislav CHEZGANOV, Head of Development Department, Sberbank Insurance