Robert Patterson is a graduate of Queen's University in Kingston Ontario. He holds an undergraduate degree in business and a graduate degree in economics. He obtained his CA designation with the Ontario Institute of Chartered Accountants while articling with Price Waterhouse in Toronto. For 14 years he worked incommercial banking, first with the Toronto-Dominion Bank and later with the National Bank of Canada. In 1979 he was made a Fellow of the Institute of Canadian Bankers. Since 1993, Bob has been an emerging market consultant in Central Europe and now

permanently resides in Poland. His portfolio of assignments includes work in Poland, Latvia, Russia, Ukraine, Romania, Kazakhstan and Vietnam. From 1994 to 1997 he was with Coopers & Lybrand's management consulting practice. In 1998 he worked in Sarajevo on a post-war reconstruction finance project. From 1999 to 2003 he was a project manager on the EBRD's SME Finance Facility. He currently teaches exam preparation for ACCA students and has a corporate training practice under the

brand-name "TrainingWorks". Bob is the author of A Banker's Guide to Credit (Twigger, 1995) and several English-Polish compendiums of accounting and finance sponsored jointly by PricewaterhouseCoopers and the School. From 2004 to 2006, Bob was the Chairman of the FinancialServices Committee of the American Chamber of Commerce in Poland. Bob has taught business economics, accounting, banking and finance topics to students in the Executive MBA program at the School of Business since 1995. His research interests include small business finance and commercial banking. He can bereached through [patterson@ikp.pl].