​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​MLI_Visual website 20181029.jpg


9.00 - 9.45
​9.45 ​ ​10.00

Opening & welcome of participants
  • Heinrich Haasis, Outgoing WSBI President
  • Isidro Fainé, WSBI Vice-President, CECA President
10.00 - 10.35

​General keynote speech 
  • Javier Solana, F​ormer European Union High Representative for the Common Foreign and Security Policy and Former Secretary General of NATO
10.35 - 10.40
​State Bank of India's welcome speech
  • Shri Rajnish Kumar, Chairman, State Bank of India
​10.40 - 10.45
​NABARD’s welcome speech
  • ​Dr Harsh Kumar Bhanwala, Chairman, National Bank for Agriculture and Rural Development (NABARD)
​10.45 - 11.10
​Inaugural add​resses
  • Shri Raji​v Kumar, Secretary, Department of Financial Services, Ministry of Finance, Government of India
  • Shri Arun Jaitley, Hon’ble Union Finance Minister, Government of India ​

11.10 - 11.30

Coffee break

 Plenary session 1: Globalisation: the promise of a golden dawn or dystopia in the making?

Globalisation has increased living standards all over the world and has lifted millions of people out of extreme poverty. Openness to trade has led to the rapid development of export-oriented industries, a key factor in the growth of GDP and income in countries such as China.
And the financial sector is a facilitator of globalisation: trade needs financial linkages and banks follow their customers in their expansion to foreign markets. This is the case for global commercial and investment banks but also for savings and retail banks. As primary lenders to SMEs, they accompany their clients in their expansion on all continents.
Globalisation creates not only winners, however. Low-skilled workers in developed countries lose their jobs to workers in developing countries that are paid less for the same work, SMEs in certain countries face competition from multinationals that disrupt local and national markets, and the people and the environment suffers from a growth model that still does not take sufficiently into account the ecological cost of economic growth.
This leads to an inequality of income, welfare and opportunities, which leads in turn to populism and political and socio-economic instability.
This session will examine how WSBI members, as financial institutions that are focused on their local community, could bring the benefits of globalisation to the local level  by acting as an interface that connects these communities to global perspectives and global growth opportunities.
11.30 - 11.45
Keynote: KPMG’s statement on the importance of savings banks​​
  • ​Francisco Uria, Head of Financial Services in the EMEA region, KPMG​
​11.45 - 13.00
Panel discussion 
Moderator: Noluphumzo Noxaka, Chairperson, Postbank South Africa
  • Shubhashis Gangopadhyay, Research Director of the India Develo​pment Foundation; Professor at the University of Groningen (The Netherlands) &​ Gothenburg University (Sweden);  advisor to the former Finance Minister, G​overnment of India​
  • Dinesh Kumar Khara, Managing Director (Global Banking & Subsidiaries), State Bank of India
  • Javier Gonzalez Fraga, President, Banco de la Nación Argentina​​
  • Sabasaba Moshingi, Managing Director, TBP Bank (Tanzania) ​

13.00 - 14.00


 Plenary session 2: ​​Two worlds no longer apart –
rural and local development for growth in harmony​
Today, 55% of the world population lives in urban areas and by 2050, this proportion is expected to increase to 68%, according to the United Nations. The increase will be concentrated in just a few countries: China, India and Nigeria. Urban areas will be poles of future development, but rural areas cannot be left out of the equation. Poverty reduction, the promotion of social inclusion and economic development are priorities, as is the enhancement of ecosystems based on agriculture and forestry, the development of the internet in rural areas, the organisation of the foodchain by incorporating primary producers and introducing risk management in agriculture.
Savings and retail banks are among the biggest financers of agricultural and rural entreprises and can have a decisive influence on the future of the world’s rural areas on all continents. They often have the biggest presence in the rural areas, via branches, agent networks and electronic distribution channels. How can savings and retail banks contribute to a harmonious development of cities and rural areas?  
14.00 - 14.15


  • Michael Hamp, Lead Regional Technical Specialist Rural Finance, Markets and Enterprises, Asia and the Pacific Region​, International Fund for Agricultural Development (IFAD)

14.15 – 15.30

Panel discussion 

Moderator: Prasun Kumar ​Das, Secretary General, Asia-Pacific Rural and Agricultural Credit Association​​

  • Naresh Gupta, Senior Management Official from NABARD & Managing Director of NABCONS
  • Francis Macheka​​​, Executive Director – Retail Banking &​ Agricultural, Agricultural Bank of Zimbabwe​​
  • Veronicah Namagembe, Managing Director, Pride Microfinance Uga​nda
  • Stephen Mukweli​, Managing Director, Postbank ​Uganda​​
  • Fernando Vega Holm, General Manager, Fedecrédito ​

Plenary sesson 3: The virtuous circle –
Locally focused savings and retail banks in a circular and digital economy

The transition to a circular economy, where the value of products, materials and resources is maintained in the economy for as long as possible, and the generation of waste minimized  will create more investments, added value and jobs and will stimulate innovation. Savings and retail banks should jump on the occasion to finance new businesses in the areas of recycling and waste management, but as large organisations, they should also lead by example and incorporate sustainable elements in their business model.
In a parallel evolution, the increasing digitisation of our economy increases the interconnectedness of people, organisations and companies and opens a wide range of new opportunities. How can savings and retail banks take the best of these two evolutions to ensure their profitability while at the same time creating benefits for the people and the planet? ​​

15.30 – 16.45

Panel discussion 
Moderator: Santiago Carbó Valverde​​, Director of​ Financial Research and Digitalisation of Funcas research foundation (Spain) & Professor of Economics and Finance at CUNEF Business School (Spain) and Bangor Business School (UK).

  • ​​Michelle Katics, Fintech expert; Co-founder & CEO, PortfolioQuest; Co-Founder, Non-Exec Director and Innovation Advisor, BankersLab​​
  • Anuradha Rao, Deputy Managing Director (Digital) & Chief Strategy Officer, SBI
  • Ashok Chauhan, Joint Director & Head, National Savings Institute
  • Yuki Yasui, Programme Operations Manager, UNEP Finance Initiative, Economy Division​​
  • Manpreet Singh, Director, KPMG Sustainability Services India​
16.45 - 17.15Coffee break

Plenary session 4: Digitisation as a tool for financial inclusion and customer proximity​
Financial inclusion is hampered by many factors. Some are market-related, such as the perceived high cost of providing financial services in rural areas, especially in large countries or in countries with a challenging geography, such as the Philippines with its hundreds of islands. But among the many obstacles, technology can overcome the lack of convenient transport by bringing the bank to the customer, instead of bringing the customer to the bank. Which technology should be applied, what does it take to deploy it in an efficient way and how should banks build on the available technology to create the adequate customer experience? What can developed countries ​learn from the ground-breaking efforts that developing countries are delivering to bring a maximum of people in the formal financial system? 

17.15 – 17.30Keynote
  • Dinesh Kumar Tyagi, Chief Executive Officer, CSC e-Governance India Limited
​17.30 - 18.45
Panel discussion 

Moderator: Anupam Manur, Research Fellow, Takshashila Institution ​

  • David Panetta, Programme​ Director, The ​SEEP Network
  • Pawan Bakhshi, India country lead, Financial Services for the Poor​, Bill & Melinda Gates Foundation ​
  • Debdatta Saha, Assistant Professor, Faculty of Economics (FE), South Asian University 
  • Guilla​ume Lepecq, Managing Director, International Currency Association​
  • Jaspreet Singh Sethi,​ Asia Technical Specialist on Digital Finance and Innovation, UN Capital Development Fund (UNCDF)​ 
  • ​Jorge Solis Espinoza, President, Federation of Peruvian Savings Banks (FEPCMAC)
18.45 - 18.50
​Closing of the first day by WSBI Managing Director Chris De Noose
​​Gala dinner organised by State Bank of India


9.00 –​ ​9.20​
​Keynote 1: What happens to my data in this new digital world?
  • Ma​​x Schrems, privacy activist, founder of​ noyb​ – European Center for Digital Rights.
​9.20 - 9.40
​Keynote 2: Banks as fortresses against cybercrime
  • Keshav Rao, Head of Customer Solutions, India & Subcontinent, SWIFT Asia Pacific​
9.40 - 9.50  

Keynote 3: The French Savings Banks,​ an example of a close link to the local communities

  • ​​Jean Arondel, President, French National Federation of Savings Banks (FNCE)​​

9.50 - 10.20​

Coffee break


Plenary session 5: Making globalisation inclusive for all: the role of retail and savings banks

How can financial institutions become lynchpins of their local economies and make them benefit to the maximum of the opportunities of globalisation. What are we already doing well? What should we do better? How can we measure our progress?            
Rural development, circular economy, digitisation… savings and retail banks have various possibilities to strengthen their links with their communities and to bring the benefits of globalization to their customers and to their communities. But how do WSBI members from various countries turn this ambition into a reality?
10.20 - 10.35
  • ​Naoyuki Yoshino, Dean & CEO, Asian Development Bank Institute (ADBI)

10.35 – 11.50

Panel discussion​
Moderator: Chris De Noose, Managing Director, WSBI
  • ​Helmut Schleweis, President, German Savings Banks Association (DSGV )
  • Parveen Kumar​ Gupta, Man​aging Director (Retail & Digital Banking), State B​ank of India 
  • Ewa Andersen, Managing Director, Swedish National Savings Banks Organisation​
  • Maryono, President Director, PT Bank Tabungan Negara (Persero) Tbk ​
  • Joseph Delhaye, Deputy Director, State & Savings Bank Luxembourg
​11.50 - 12.00
​Presentation of the New Delhi declaration ​
  • Chris De Noose, Managing Director, WSBI​
​12.00 - 12.20

The business model of the savings and retail banks – ready for the future
WSBI membe​rs have an important lending capacity to individuals, households and to SMEs, in the form of commercial loans. Savings and retail banks also have a very solid financial experience and infrastructure. Their business model is based on profit, but also on social inclusion which makes them benefit from a huge level of trust in the societies they serve. This is why savings and retail banks consider the future with confidence.
  • Newly elected WSBI president