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Retail Banking Conference 2017: Proportionality and Sustainability as the Pillars of Growth​

Retail Banking Conference 2017: Proportionality and Sustainability as the Pillars of Growth​
Date: 27/06/2017 - 27/06/2017
Location: The Hotel, Boulevard de Waterloo 38, 1000 Brussels, Belgium





The ESBG Retail Banking Conference 2017 will try to answer three important questions for the European financial sector:

  • ​How can we make the economy grow by anchoring trust and adjusting regulation? 

  • How can savings and retail banks, as key players in the local ecosystems, contribute to a sustainable future ?

  • How will artificial intelligence, automation and big data change the way we deal with banks, be it as a client, as an employee or as a policy maker? 







The Hotel

Boulevard de Waterloo 38


(Between Metro Stations Porte de Namur and Louise







ONE morning, TWO keynote speeches, THREE panel sessions



​08.30 - 09.​00

​Welcome Coffee

​09.00 - 09.05

​Welcome by Chris De Noose, ESBG Managing Director

​09.05 - 09.20

​Keynote Speech by Jyrki Katainen, Vice-President Growth, Jobs, Investment and Competitiveness, European Commission 

​09.20 - 09.40

​​Keynote Speech by Jordi Gual, Chairman, Caixabank

​09.40 - 10.55

​Panel Session 1: Anchoring trust and adjusting regulation for a growing economy
At a time when growth is crucial for Europe, the capacity for banks to finance the economy should be leveraged by renewed trust in the banking system. Financial stability and financing of the economy should go in hand, instead of being separated work streams. Consumer trust in the banking system is essential, but respect of the role that regulators and supervisors play is also essential to make it work. This is why it is now time for a dialogue in order to adapt bank business models to the new reality. The first test of this idealistic new deal between banks, regulators/supervisors and customers is the capital and resolution package review. The proportionality principle (based on size, risks, business model, etc.) is one of the threads which can be followed in order to adjust regulation to the reality faced by locally-focused savings and retail banks. Its application requires strong engagement from all parties but ESBG believes it worthwhile as it is the key to an optimal local banking system able to finance SMEs and thus the EU economy as a whole.

  • Camden Fine, President and CEO, Independent Community Bankers of America (ICBA) 

  • François-Louis Michaud, Deputy Director General, European Central Bank ​

  • Johanna Orth, Head of Group Regulatory Affairs, Swedbank 

  • Peter Simon, Member of the European Parliament 

  • Karl-Peter Schackmann-Fallis, Executive Member of the Board, German Savings Banks Association (DSGV) ​

​10.55 - 11.15

​Coffee Break

​11.15 - 12.15

​Panel Session 2: Sourcing local banks for a sustainable future 

The recent creation of the EC expert group on sustainable finance has put this topic in the limelight at European level. However, savings and retail banks have a long tradition of social responsibility, as illustrated by their numerous social commitments and their specific governance. In the area of green finance, due to their proximity to households and SMEs, they could also play a prominent role provided that the decision makers, both at international and European levels, give them the possibility or the endeavours to do so. Sustainable practices should be local first and savings and retail banks can offer their network, their expertise and their support in order to achieve what will benefit society as a whole. The shared values of Europe's savings and retail banks have sustainability at their core, and offer investment opportunities in buildings and infrastructure to reduce their carbon footprint and provide a greener world for the future.

  • Timothy Bishop, Senior Advisor, Financial Affairs Division, OECD ​

  • Robin Edme, Senior​ Policy Officer Green and Sustainable Finance at the European Commission

  • Michael Schmidt, CFA Member of the Board, Deka Investment GmbH

​12.15 - 13.15

​Panel 3: Policy implications of automation

The fast-changing role of technology in everyday business means banks need to find solutions to improve customer service and develop an efficient, safe environment for bank deposits. The automation process that is developing very quickly in the financial sector raises various questions. How will banks ensure a positive customer experience when the face time between bank employee and bank client decreases. And what about security and data breaches ? How can we guarantee that the new, digital service is at least as satisfying or better than the traditional services? And how can banks value their most valuable asset, their employees? Because even in a digital world, banking and financial advice is still a people business !

  • Mady Delvaux-Stehres, Member of the European Parliament ​

  • Beatriz Kissler, General Manager Banking Services Operations, Caixabank Group 

  • Péteris Zilgalvis, Head of Unit in charge of Startups and Innovation, DG Connect, European Commission 

​13.15 - 13.20

​ Wrap-up by Chris De Noose, Managing Director, ESBG ​

​13.20 - 14.30

​Networking Lunch