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​8.30 – 9.00      Welcome Coffee 

9.00 – 9.25      Welcoming by ESBG Managing Director Chris De Noose (confirmed)
                        Opening Speech by ESBG President Isidro Fainé (Chairman of CaixaBank) (confirmed)

9.25 – 10.10    Setting the scene: financial innovation and how retail banks are affected
This first session of the day will give an overview of the challenges that European retail banks currently face. There is of course financial innovation, that leads to competition from non-banks. But there is more: low interest rates squeeze profit margins, regulatory and supervisory requirements come with a considerable cost. After an introduction on the state of financial innovation and its influence on our industry, two retail bankers of the ESBG membership will explain how their financial institutions are coping with innovation. 

A short and dynamic discussion that will leave plenty of room for intervention by the audience!


  • Fabrice Denèle, Head of Cards and Payments, BPCE (confirmed)
  • Arnold J.A.M. Kuijpers, Director European Affairs, Rabobank (confirmed)
  • Claire Maslen, Senior Manager Financial Services, GSMA (confirmed)
  • José Agostinho de Matos, Vice-Chairman and CEO, Caixa Geral de Depósitos (confirmed)


10.10 – 10.30  Coffee Break 

10.30 – 11.40  Panel Session 2: Proportionality for Local Banks"

The business model of retail banks stimulates economic growth. Our banks want to maintain a close relationship to local communities and economies, and should be regulated and supervised adequately. Topics such as prudential obligations (capital ratio, liquidity ratio, risk-weighted assets) and evolutions in the retail area should be proportionate to allow bank lending in the context of the Capital Markets Union.


  • Andrea Enria, Chairman, European Banking Authority (EBA) (confirmed)
  • John Heller, CEO, Argenta (confirmed)
  • Christophe Nijdam, Secretary-General, Finance Watch (confirmed)
  • Karl-Peter Schackmann-Fallis, Executive Member of the Board, DSGV  (confirmed)

11.40 – 12.50  Panel Discussion 3: "How regulation needs to catch up with digitisation

How is digitization changing our business model and shaping regulation? Technology allows for an increased customer proximity leading to the elimination of traditional intermediaries at the central services of the bank. And regulation is forced to adapt to new ways of doing banking transactions, for example in the payments sector. This panel will touch upon these topics, as well as on the Digital Single Market Strategy and the Green Paper on Retail Financial Services, where digital (banking) services are an important element.


  • Claire Bury, Deputy Director-General of DG Connect (European Commission) (confirmed)
  • Sergey Filippov, Associate Director, the Lisbon Council (confirmed)
  • Antonio Massanell, Deputy Chairman, Caixabank (confirmed)

13.00 – 13.10  Wrap up by Chris De Noose, ESBG Managing Director (confirmed)


13.10 – 14.30 Networking lunch   ​


Innovation; Regulation; Retail payments; Communication - institutional & commercial; Digitalisation; Proportionality