3rd Annual IIF EUROPEAN BANKING UNION COLLOQUIUM: NEW CHALLENGES AHEAD NOVEMBER 2-3, 2016 | FRANKFURT

SPONSORED BY

2 EUROPEAN BANKING UNION

INTRODUCTION

Launched in 2014 to discuss the establishment of the Single Supervisory Mechanism (SSM) this colloquium has developed into a series of annual events to review the state of play of the European Banking Union. The one-day program will be an exceptional opportunity for senior level participants to engage with key representatives from the European Central Bank (ECB) and from other European supervisors and institutions and to discuss the latest supervisory and regulatory developments with leading banking industry experts. The program highlights sharing of the latest insights on the Banking Union as well as the implications for bank business models in Europe, financial stability, and European integration. Please join us in Frankfurt to take advantage of this unique opportunity.

HIGHLIGHTS

Third annual colloquium to review the state of play of the European Banking Union offered within the regulatory heart of the City of Frankfurt.

Exceptional opportunity to engage with key representatives from the ECB and from other European supervisors and institutions and to discuss the latest supervisory and regulatory developments with leading banking industry experts.

Public-private sector dialogue about the ongoing establishment of the Banking Union with a focus of the experiences of the SSM, its achievements as well as its work program for 2017, the continuing work of the SRB, EDIS as the envisaged third pillar as well as the various implications for business models in Europe, financial stability, and European integration.

Keynotes and on stage conversations with senior representatives from the public sector as well as panel discussions between renowned experts from both the official sector and the banking industry.

WEDNESDAY NOVEMBER 2

19.00: RECEPTION & DINNER

Welcome

Sylvie Matherat, Deutsche Bank

KEYNOTE ADDRESS

Andrea Enria, European Banking Authority (EBA)

Reception & Dinner

Villa Sander: Mainzer Landstr. 10-12, 60325 Frankfurt

3

3 EUROPEAN BANKING UNION

THURSDAY NOVEMBER 3

8.00: COFFEE & REGISTRATION

8.30: WELCOME David Schraa, IIF

8.40: INTRODUCTORY REMARKS Sylvie Matherat, Deutsche Bank

9.15: PANEL 1: THE SSM AT WORK - PILLAR II & THE SREP PROCESS

The panel will review the SSM’s work with regards to Pillar II and the SREP process. In particular, the SSM’s new approach to Pillar II will be discussed. Why have the changes been introduced and what is the value added of the new approach? What are the trade-offs between Pillar II flexibility vs. transparency to the market? How can flexibility be achieved with regards to business models or the specificities of local markets? What has to be done to make sure that investors understand the process and its results?

Moderator: Sylvie Matherat, Deutsche Bank

Frédéric Visnovsky, Banque de France - ACPR Laura Ahto, BNY Mellon Fredun Mazaheri, Commerzbank Korbinian Ibel, European Central Bank Matthieu Loriferne, Pimco

10.15: COFFEE BREAK

10.30: PANEL 2: LOOKING AHEAD - CHALLENGES FOR SUPERVISORS AND INDUSTRY This session will focus on challenges for supervisors and

banks alike of building supervisory authority as well as bank credibility in the Eurozone. What are the expectations of bankers and their ambitions for the coming years and for the further development of the SSM? Is this in line with the ECB’s own vision for the SSM? What is the SSM’s agenda for the future, in particular with regards to the supervisory and the regulatory process, stress testing, data requirements or the supervisory assessment of business models?

Moderator: David Schraa, IIF

Andreas Gottschling, Erste Bank Véronique Ormezzano, BNP Paribas Giuseppe Siani, European Central Bank Patrick Brady, KBC Bank

11.30: SAMY HARRAZ IN CONVERSATION WITH THOMAS DONEGAN

Samy Harraz, Single Resolution Board Thomas Donegan, Shearman & Sterling

12.00: NETWORKING LUNCH

12.45: KEYNOTE REMARKS - OUTLOOK FOR EUROPEAN BANKS: AN EQUITY MARKET PERSPECTIVE

Kian Abouhossein, JP Morgan

Colloquium

Deutsche Bank AG, Taunusanlage 12, 60325 Frankfurt

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THURSDAY NOVEMBER 3

13.30: PANEL 3: THE SRB AFTER ONE YEAR—IS RESOLUTION IN THE EUROZONE POSSIBLE?

The starting point for the debate will be the SRB’s achievements and the work that still needs to be done. Why does resolution still raise questions and challenges and what are the operational challenges to execute resolution over a weekend? What are the strategic implications of the resolution regime on banks’ approach to multi-year planning? What are the operational challenges to communication in a crisis?

Moderator: Simon Gleeson, Clifford Chance

Henri Courtehoux, Société Générale Samy Harraz, Single Resolution Board Ricardo Gomez Barredo, BBVA Aurelio Maccario, UniCredit

14.30: PANEL 4: EDIS – THE THIRD PILLAR EDIS is meant to be the third pillar – to provide stability to the

project of European Banking Union. Why is a centralized deposit insurance scheme necessary in the first place? What is the state of play and what are the odds of the Commission’s proposal to become reality? What are the implications for certain national markets and their national deposit guarantee schemes? What will be the repercussions of EDIS on financial stability, the banking industry and the European project at large?

Moderator: Martin Boer, IIF

Diederik van Wassenaer, ING Jose Manuel Campa, Santander Dirk Cupei, Association of German Banks Veli-Matti Mattila, Federation of Finnish Financial Services Michael Wedow, European Central Bank

15.30: PANEL 5: BANKING UNION: IMPLICATIONS FOR BUSINESS MODELS IN EUROPE – AND FOR DOING BUSINESS WITH EUROPEAN BANKS The underlying question of this panel is whether, given all the

issues and constrictions, it is still interesting to run a banking business in Europe. The answer must be yes, so what would a viable business models look like? The Commission’s Capital Markets Union is important but the bank-based economic model is not going to change overnight. How will the need for consolidation materialize? Is regulation pushing 6,000 banks into the same business model? Is the German-type “three pillar model” still viable? What will be the implication if the Commission starts pushing structural reforms again?

Moderator: Wim Mijs, European Banking Federation

Francesca Carlesi, Deutsche Bank Tom Duff Gordon, Credit Suisse Burkhard Eckes, PwC Ronny Rehn, BlackRock

16.30: WRAP UP & CLOSING REMARKS David Schraa, IIF Sylvie Matherat, Deutsche Bank

16.40: ADJOURNEMENT / REFRESHMENTS

5 EUROPEAN BANKING UNION

SPEAKER PROFILES

Andrea Enria, Chairperson, European Banking Authority

Andrea Enria took office as the first Chairman of the European Banking Authority on 1 March 2011. Before that date he was the Head of the Regulation and Supervisory Policy Department at the Bank of Italy. He previously served as Secretary General of CEBS, dealing with technical aspects of EU banking legislation, supervisory convergence and cooperation within the EU. In the past, he also held the position of Head of Financial Supervision Division at the European Central Bank. Before joining the ECB he worked for several years in the Research Department and in the Supervisory Department of the Bank of Italy. Mr. Enria has a BA in Economics from Bocconi University and a M. Phil. in Economics from Cambridge University.

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Sylvie Matherat, Chief Regulatory Officer and Member of the Management Board,

Deutsche Bank

Ms. Matherat, born 1962, joined Deutsche Bank in 2014 as Global Head of Government & Regulatory Affairs. She was appointed to the Management Board in charge of Regulation, Compliance and Anti-Financial Crime in November 2015. Ms. Matherat came from Banque de France where she was Deputy Director General responsible for regulation, financial stability issues, payment and settlement infrastructures, banking services, and the Target 2 Securities project. She has been a member of the Basel committee between 2006 and 2014, chairing different groups during that time. Ms. Matherat previously held various positions at the Banking Supervisory Authority and in the private sector. She studied public law and finance at the Institut d’Etudes Politique de Paris, France, and holds a master degree in law and political sciences. She was awarded the Legion d’Honneur in 2014.

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David Schraa, Regulatory Counsel, Institute of International Finance (IIF)

David Schraa is resident at the IIF European Representative Office in London. The Regulatory Affairs Department supports the IIF's representation of internationally active financial institutions to the Basel Committee on Banking Supervision, IOSCO, IAIS, the Financial Stability Board, Joint Forum, IASB and other international regulatory groups. Prior to joining the IIF, David held senior positions at J.P. Morgan, as a Managing Director; he came to J.P. Morgan from Davis Polk & Wardwell, having served in its New York and Paris offices. He has a B.A. from Pomona College and a J.D. from the Harvard Law School.

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Frédéric Visnovsky, Deputy Secretary General, Banque de France - ACPR

Frédéric VISNOVSKY is Deputy Secretary General at Autorité de contrôle prudentiel et de resolution (ACPR) since July 2011, in charge of the departments dealing with the supervision of banks, international affairs and study. He is member of European Banking Authority (EBA) Board of Supervisors and chair of EBA Standing Committee on Accounting Reporting and Auditing (SCARA). He is also Secretary General of the Consultative Committee of the Financial Legislation and Regulation (CCLRF) and member of the French Accounting Committee (ANC). At the Banque de France since 1984, Frédéric Visnovsky started as financial analyst before becoming Financial Counsellor at the French Embassy in Algeria for 3 years. Joining the Commission bancaire, he was successively Head of accounting Department when BAFI (new prudential reporting) was introduced (1992-1996), Head of the international department during Basel 2 negotiation (1997-2003) and Deputy Director and Director for Supervision of Mutual Banks and Investment Firms (2004 – July 2011).

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SPEAKER PROFILES

Laura Ahto, President and Chief Executive Officer, BNY Mellon - Europe

Laura Ahto is President and Chief Executive Officer of BNY Mellon’s European Bank, The Bank of New York Mellon SA/NV. Prior to being named to this position in November 2014, she served as Chief Operating Officer of Investment Services, German Speaking and CEE Region, at BNY Mellon in Frankfurt, Germany, and as a Branch Manager of the Frankfurt Branch of the SA/NV. Laura is a member of the corporate Operating Committee, the EMEA Operating Committee, the EMEA Chairman's Forum, the EMEA Investment Services Executive Committee and a Member of the Board of Directors of The Bank of New York Mellon SA/NV. Prior to joining BNY Mellon in 2012, Laura was Deputy Chief Operating Officer, Head of Operations and Technology at Baring Asset Management in London. She joined Barings following seven years with PIMCO Europe in London, where she was Senior Vice President, Head of Operations and Administration and European Funds. Prior to joining PIMCO, Laura was a Managing Director at Deutsche Bank and Bankers Trust Company and responsible for various Operations and Client functions in New York, Asia, Australia, the UK and Europe. Laura holds a BA in Economics from Ursinus College and an MBA from Cornell University. _____________________________________________________________________________________

Fredun Mazaheri, Managing Director and Divisional Board Member Risk-Controlling and Capital Management, Commerzbank

Fredun Mazaheri is the divisional board member for risk-controlling and capital management at Commerzbank. He is currently chairman of the SSM Strategy Group of the EBF and member of the supervisory board for Valovis Bank and Düsseldorfer Hypothekenbank. Prior to his appointment to the divisional board, Mr. Mazaheri was deputy to the Chief Credit Officer and responsible for credit-strategy, credit policies and procedures, portfolio monitoring and since 2010 for the group-wide internal asset quality review. In addition he was in charge for a project on integration of an Eastern European subsidiary. Prior to his work at Commerzbank, Fredun Mazaheri worked for The Boston Consulting Group as a Principal in the Financial Services Practice Group, specialized on Credit Risk, Loan-Portfolio management, Asset Backed Securities and Banking Regulation. Before joining the Financial Services Practice Group, his focus was corporate finance across all industries.

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Korbinian Ibel, Director General of Micro-Prudential Supervision IV, European Central Bank

Since February 2014 Dr. Ibel has served the European Central Bank as the Director General of

Micro-Prudential Supervision IV. Previously he was a consultant at Accenture (1997-2000) followed

by principal at The Boston Consulting Group (2001-2007). From 2008-2014 he worked at

Commerzbank in various positions including Head of Asset Liability Management (Treasury); COO

Central & Eastern Europe, COO Private Customers; and Divisional Board Member, Group Risk

Controlling & Capital Management. Dr. Ibel received his Master and PHD in Economics from the

University of Munich, Rotterdam and Frankfurt. He is married and has four sons.

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SPEAKER PROFILES

Matthieu Loriferne, Executive Vice President and Credit Analyst, Pimco

Mr. Loriferne is an executive vice president and credit analyst in the London office, focusing on European financial institutions, the four U.S. money center banks as well as Canadian banks. Prior to joining PIMCO in 2005, he was a credit analyst at Societe Generale in London and in Paris. He has 13 years of investment experience and holds a master’s degree in finance from the French business school SKEMA (ex-CERAM Sophia Antipolis). ________________________________________________________________________________________

Andreas Gottschling, Member of the Management Board, Erste Group Bank

After having studied mathematics and economics at Albert-Ludwigs-Universität, Harvard University and University of California, Andreas Gottschling started his career at Deutsche Bank AG in Frankfurt in 1997. In 2003 he became Head of Quant Research at LGT Capital Management in Zürich. From 2005 until 2012 he headed various risk departments with Deutsche Bank AG in London/Zürich as Managing Director and Member of the Risk Executive Committee followed by a year as senior advisor for McKinsey. Starting with 1st of September 2013 he was appointed to the Management Board of Erste Group. ________________________________________________________________________________________

Véronique Ormezzano, Head of Group Prudential Affairs, BNP Paribas

Véronique Ormezzano is Head of Group Prudential Affairs at BNP Paribas. In this role, she is responsible for the definition of BNP Paribas group-wide responses to new regulations, in close liaison with regulatory experts in the various business lines and functions. She is also in charge of orchestrating the group' relationships with regulatory authorities, industry associations and relevant peers, leveraging the various teams within Group Public Affairs, as well as business lines, functions and territories, and with the full support of top management. She was previously, since 2009, Global Head of Official Institutions Coverage at BNP Paribas. After several years as a management consultant in the Finance Division of Andersen Consulting (now Accenture), she joined Paribas in 1994 where she held various responsibilities as Head of Economic Capital and Raroc project in the Risk Department, as Head of Loan Portfolio Management in Corporate and Investment Banking, and as Head of Financial Information and Investor Relation in the Group’s Finance Division. Veronique graduated at the “Hautes Etudes Commerciales” business school (HEC) in 1982. ________________________________________________________________________________________

Giuseppe Siani, Deputy Director General of Microprudential Supervision IV,

European Central Bank

Giuseppe Siani is Deputy Director General of Microprudential Supervision IV, which is responsible for horizontal functions within the Single Supervisory Mechanism. Prior to joining the European Central Bank he held various roles, both as a supervisor and as a policy-maker, taking on positions of increasing responsibility in the Banca d’Italia and becoming Head of International Regulation. Before that he was responsible for banking policy at the European Commission. Over the years he has been a member of several Financial Stability Board and Basel Committee on Banking Supervision (BCBS) groups; he has chaired the Working Group on Contingent Capital and the BCBS-CPMI-IOSCO Working Group on Central Counterparties. He currently co-chairs the BCBS Working Group on Capital and chairs the BCBS Risk Measurement Group. After completing his studies in economics and finance he started his career in the reinsurance sector. He resides in Frankfurt am Main with his wife and two daughters.

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SPEAKER PROFILES

Patrick Brady, Head of EU and International Public Policy and Regulatory Affairs,

KBC Bank

Patrick joined KBC on October 1st, 2015 as Head of EU and International Public Policy and Regulatory Affairs. Prior to this, Patrick was Director, Policy and Risk at the Central Bank of Ireland where he had responsibility for prudential policy for banking, insurance and markets as well as governance, auditing and accounting. He was also responsible for developing the supervisory risk tool, PRISM, which has formed the basis for the approach of the Single Supervisory Mechanism at the ECB. He has been responsible for insurance and banking supervision and previously held roles with the European Commission, Ireland’s Department of Finance and Revenue Commissioners. ________________________________________________________________________________________

Samy Harraz, Head of Policy Coordination and International Relations, Single Resolution Board

Samy Harraz was appointed Head of Policy Coordination and International Relations at the Single Resolution Board in September 2015. Samy manages setting policy surrounding the new resolution regime and coordinates his agency’s liaison with relevant stakeholders in Europe and beyond. Prior to joining the SRB he worked at FMSA (the German resolution authority) and before that as an investment banker, corporate strategist and chief country officer in London, Geneva, Frankfurt and Athens. He read Archaeology of the Ancient Near East at the Freie Universität Berlin and was awarded a master’s degree in Management from Glasgow University. ________________________________________________________________________________________

Thomas Donegan, Partner, Shearman & Sterling

Thomas Donegan is a Partner in Shearman & Sterling's Financial Institutions Advisory & Financial Regulatory Group. He advises financial institutions, including banks, exchanges, clearing houses, fund managers, brokers and settlement systems on legal and regulatory issues and in their business transactions. Thomas is recognized as a leading individual in Legal 500 UK 2016, and is cited as being "excellent" and having a “deep understanding of European regulation”. Thomas has advised on the implementation and impact of the EU/UK regulatory reforms arising out of the recent financial crisis and how local initiatives fit into the global regulatory architecture including on EMIR, MiFID II, capital, recovery & resolution, governance, ring-fencing, the EU single market program, anti-money laundering issues and shadow banking reforms. ________________________________________________________________________________________

Kian Abouhossein, Head of European Bank Equity Research, J.P. Morgan

Mr. Abouhossein covers Global Investment Banks, including Goldman Sachs, Morgan Stanley, UBS, Credit Suisse, and Deutsche Bank. Kian has 20 years of experience in Banking Equity Research. He has been global bank coordinator at J.P. Morgan and has covered Benelux, Nordic, German and French Banks in the past. He moved to J.P. Morgan in May 2000, from UBS Warburg, where he spent four years as a banking analyst. Previously, he worked at HSBC. Kian graduated from the University of British Columbia with a Finance Degree.

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SPEAKER PROFILES

Simon Gleeson, Partner, Clifford Chance

Simon Gleeson joined Clifford Chance in 2007 as a partner in the firm's Financial Regulation group, where he specialises in financial markets law and regulation. He has advised Governments, regulators and public bodies as well as banks, investment firms, fund managers and other financial institutions on a wide range of regulatory issues. He advised the World Economic Forum on their report on their 2009 Report on The New Global Financial Architecture, and has worked with regulators and governments around the world on the establishment of regulatory regimes. He has been a member of the Financial Markets Law Committee, chairs the Institute of International Finance's Committee on Cross-Border Bank Resolution, has written numerous books and articles on financial regulation, and is the author of "International Regulation of Banking", recently published by Oxford University Press. He is a Visiting Professor of the Faculty of Law at the University of Edinburgh.

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Henri Courtehoux, Head of Group Recovery & Resolution Planning, Société

Générale

Henri Courtehoux has been in charge of the Société Générale Group Recovery & Resolution Planning since the earliest years of their development in Europe, i.e. 2011. Under the strategic sponsorship of the SG Group General Management, he has been directly responsible for the successive internal steps to implement this reform : from regulatory watch, understanding and expertise to the development of the RRPs themselves. As a recognized specialist in these matters, Henri is regularly called upon to publicly express the Groups views on these issues in various national and European fora. He has more recently engaged in the necessary action plan to make the plans credible. His long built skills in regulations, finance and operations in the banking industry, more particularly Corporate & Investment Banks, are a strong asset to manage the so many dimensions of the RRPs. He previously held various positions in the banking industry. From the most recent to the oldest experience, he was Chief Operating Officer for the SGCIB EMEA region after he had left the role of Global Head of the Financial and Performance Management department within the SGCIB Finance function. He had even previously held both functions of Chief Operating Officer after the one of Chief Financial Officer for ING Barings France. He started his career as an external auditor for the banking practice of KPMG. ________________________________________________________________________________________

Ricardo Gómez Barredo, Head of Accounting & Supervisory Relations

Department, BBVA

Ricardo Gómez Barredo is member of BBVA’s Management Committee since 2012 and currently

Head of Accounting & Supervisory Relations Department at BBVA. Since he joined BBVA in 1994

he has occupied top management positions in finance and tax department: Head of Tax of various

BBVA subsidiaries (1994­2003), Head of Group Financial Planning (2003­2006), Head of Group

Planning Analysis and Management Control (2006­2011) and Head of Global Accounting and

Information Management (2011­2016). Previously, he worked in Industria Española de Aluminio

(1993­1994) as Head of Tax and in PricewaterhouseCoopers Spain (1988­1993) in the tax and legal

department. His professional background is complemented by lecturing at Instituto de Empresas

(IE) Business School. Mr. Gomez Barredo holds a Bachelor degree in Economics and Business

Administration from Universidad Autónoma de Madrid and a Master Degree in Tax Advisory from

Universidad Pontificia de Comillas.

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SPEAKER PROFILES

Aurelio Maccario, Executive Vice President - Group Regulatory Affairs, Unicredit

Aurelio Maccario has been at UniCredit since January 2015. From October 2013 until December 2014 he has been Senior Vice President and Head of Group Risk Strategies & Monitoring. From 2009 to 2013 he has been responsible for Group Strategic Planning, holding managerial positions in Milan and Vienna. Previously, he held several research positions in UniCredit Corporate & Investment Banking (CIB) ending his analyst career in 2009 as Chief Eurozone Economist. Aurelio started his career at the Research Department of the Italian Interbank Deposit Protection Fund, the Italian deposit insurance scheme, where he was in charge of coordinating the European network of deposit protection schemes. Since March 2002 he is employed at UniCredit Group. Aurelio was also Adjunct Professor of Economic Policy at Luiss University in Rome where he earned his BA. After serving his military duties at the Centre for Military Strategic Studies (CeMiSS) in 1996-1997, he went on pursuing his post-graduate specialization in the United Kingdom. In September 2000 he was awarded the MSc Economics from the University of Warwick. He then completed his academic background by becoming PhD in Economics & Finance at the University of Tor Vergata in Rome. ________________________________________________________________________________________

Martin Boer, Director - Regulatory Affairs, Institute of International Finance

Martin Boer is the Director of Regulatory Affairs at the IIF. He advocates and contributes to the IIF work on regulatory consistency, impact assessment, prudential capital and liquidity standards, insurance regulation and the growing area of non-bank/non-insurance regulatory issues. He previously served as the Secretary General of the European Financial Services Round Table, a Brussels based industry organization comprising the CEO’s and Chairmen of Europe’s 22 leading banks and insurance companies. Before that he served in various positions at ING Group, as the Global Head of Public Relations in Amsterdam and a Senior Manager of Public and Government Affairs in Brussels. He has also worked as a consultant for UNDP in Namibia and as a journalist at The Financial Times and Bloomberg News. Mr. Boer holds a B.A. in Philosophy from the University of California, Santa Barbara and a Master’s Degree in International Political Economy from Columbia University. ________________________________________________________________________________________

Diederik van Wassenaer, Global Head of Regulatory and International Affairs, ING Group

Diederik van Wassenaer is the Global Head of Regulatory and International Affairs of ING Group, a Global Financial Institution head quartered in Amsterdam, the Netherlands as of January 2016. Van Wassenaer has held a variety of senior management roles since joining ING in 1999 as Group General Counsel and General Manager of the Corporate Legal, Compliance and Security department. In 2003/2004 he held the position of CEO of ING Lease Holding, before being appointed Global Head of Wholesale Banking Products in January 2005. As of January 2008 until 2010, he was also the Head of ING Wholesale Banking Netherlands and a Member of the Board of ING Netherlands. In July 2009, he assumed responsibility for Real Estate Finance and Real Estate Development, after these businesses were integrated into the Products division of ING Wholesale Banking. On 1 January 2010, Van Wassenaer was appointed as Global Head of Clients and Corporate Finance and Equity Markets. As of 1 march 2012, he also assumed responsibility for the Global Wholesale Banking Network, in addition to his on-going responsibilities as Global Head of Clients and CF/ECM and in May 2012 he joined the then created Senior Leadership Team of ING Bank. As of 1 January 2014, he was appointed as Global Head of WB Network (also retaining responsibilities for Corporate Finance and ECM and as Chairman of the Supervisory Board of Bank Mendes Gans). Per 1 June 2014, he was also re-appointed a Member of the ING Bank Netherlands Management Committee. Van Wassenaer holds a degree in civil law from the University of Leiden.

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SPEAKER PROFILES

José Manuel Campa, Global Head of Regulatory Affairs, Banco Santander

José Manuel Campa is the Global Head of Regulatory Affairs at Banco Santander. He joined the Group in 2014. Prior to that he was Professor of Finance and Economics at IESE Business School. Between 2009 and 2011 Campa served as Secretary of State for the Economy in the Ministry of Economy and Finances of Spain. He was a member of the Financial Stability Board, the board of the European Financial Stability Facility, the Economic and Financial Committee and alternate governor in multilateral financial institutions. He has served in the Expert Group, chair by Mr. Erkki Liikanen, evaluating policy recommendations on structural reforms for the European Banking industry. He has also taught at the Stern School of Business of New York University and at Columbia University. He has been Research Associate at the National Bureau of Economic Research and Research Fellow at the Center for Economic Policy Research. Mr. Campa has also been a consultant to a large number of international organizations, including the International Monetary Fund, the Inter-American Development Bank, the Bank of International Settlements in Basel, and the European Commission. José Manuel Campa holds a Ph.D. and a master degree in economics from Harvard University and a Licenciatura in law and in economics from the Universidad de Oviedo. ________________________________________________________________________________________

Dirk Cupei, Managing Director Financial Stability and Deposit Protection,

Association of German Banks

Mr. Cupei was the initiator and founder and is a Board member of the European Forum of Deposit Insurers (EFDI). He has been Vice Chairman of EFDI since 2005, Chairman of EFDI from 2014 to 2016 and also Chairman of the EFDI Investor Compensation Working Group. At the same time, as a Managing Director at the Association of German Banks, he is responsible for the “Einlagensicherungsfonds deutscher Banken”, the German private banks’ voluntary deposit protection scheme. Furthermore, he is Managing Director of the “Entschädigungseinrichtung deutscher Banken GmbH” (EdB), the mandatory deposit protection and investor compensation scheme for private banks in Germany as well as of “Koch, Lauteren GmbH”. Additionally he is also Member of the Board of the “Liquiditäts- Konsortialbank GmbH i.L.”. He represents the Association of German Banks in different German, European and international organisations and chairs the Deposit Guarantee Schemes Working Group at the European Banking Federation (EBF). In addition, he acts as an expert and consultant to a number of German, European and international institutions and is a member of various bank creditors’ committees. Mr. Cupei graduated from the Rhenish Friedrich-Wilhelms University, Bonn and the Westphalian Wilhelms-University, Münster. He is a qualified lawyer, specialising in business and banking law.

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Veli-Matti Mattila, Chief Economist and Director, Federation of Finnish Financial Services

Mr. Mattila is Chief Economist and Director in the Federation of Finnish Financial Services (FFI). Before joining the FFI in 2011 he worked for 15 years in the Bank of Finland (the Finnish central bank) as Senior Economist, Head of Division, Policy Adviser and Principal Adviser. He was member of the ECB’s Monetary Policy Committee in 2006-07 and FFI representative in the Executive Committee of the European Banking Federation in 2014-15. Mr. Mattila holds a licentiate’s degree in economics from the University of Helsinki. In the FFI Mr. Mattila is a member of the Executive Group. He works mainly with banking related issues like the Banking Union (SSM, SRM, EDIS), banking structural reform, corporate and export finance, banking regulation and macro prudential policy. As Chief Economist he also monitors and analyses general economic development and economic policy issues in Finland and the EU.

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SPEAKER PROFILES

Michael Wedow, Adviser in Financial Regulation Division of the Directorate

General Macroprudential Policy and Financial Stability, European Central Bank

Michael Wedow is an adviser in the Financial Regulation Division of the Directorate General Macroprudential Policy and Financial Stability at the European Central Bank. His primary responsibilities relate to macroprudential policy, the regulation of market based finance and the European Deposit Insurance Scheme. He represents the ECB in European and international regulatory working groups on these areas. Prior to joining the ECB, he was an economist in the Department of Banking Supervision and Financial Stability of the Deutsche Bundesbank. He studied at the University of Kent, Oxford University and received a PhD from the University of Mainz. He has been a member of the Research Department at Deutsche Bundesbank and published in academic journals on regulatory and financial stability issues. ________________________________________________________________________________________

Wim Mijs, Chief Executive, European Banking Federation

Wim Mijs was appointed Chief Executive of the European Banking Federation in September 2014. Between 2007 and 2014 Wim served as CEO of the Dutch banking association NVB. During this time he transformed the NVB into a modern industry association, positioning it as the key representative of the banking sector in the midst of the financial crisis. Wim studied law at the University of Leiden in the Netherlands, specializing in European and International law. After his studies he worked for one year at the International Court of Arbitration at the Peace Palace in The Hague. In 1993 he joined ABN AMRO in Amsterdam before moving to Brussels to head up the bank’s EU liaison office. Wim moved back to The Hague in 2002 where he became the Head of Government Affairs for ABN AMRO. Between 2011 and 2015 Wim served as Chairman of the International Banking Federation. From 2012 to 2014 he was Chairman of the Executive Committee of the EBF. From 2013 to 2015 he was President of the Board of Euribor, now known as the European Money Market Institute. Wim is married and has two children. ________________________________________________________________________________________

Francesca Carlesi, Global Head of Group Regulatory Affairs, Deutsche Bank

Francesca Carlesi is a Managing Director at Deutsche Bank in London, responsible for the Regulatory Affairs department at Group level, covering regulatory policy, regulatory strategy and implementation globally. Francesca is the Chair of the board of the EFR (European Financial Roundtable) and she is a member of Deutsche Bank’s regulatory oversight committee and other regulatory committees of the group. Francesca joined Deutsche Bank in 2013 as Chief of Staff to the Group CEO and Head of the Co-CEOs’ Office responsible for a variety of topics. Prior to joining Deutsche Bank, Francesca worked for more than 10 years in banking; having started her career at McKinsey, she then held several senior positions at Barclays in London and Intesa Sanpaolo in Milan. Francesca holds a PhD in Banking and Finance from the University of Rome, an MBA (Hons) from Columbia University and a Master in Public Policy and Leadership from Harvard Kennedy School of Government. In 2014 she has been selected by the World Economic Forum as a Young Global Leader.

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SPEAKER

PROFILES

Tom Duff Gordon, Head-Public Affairs and Policy-Europe, Credit Suisse

Tom Duff Gordon heads the Europe-based Public Affairs and Policy team at Credit Suisse. He has responsibility across all areas of regulatory policy and government affairs, and specialises on the prudential files. Tom also Co-Chairs the AFME European Public Policy Committee. Tom has been at Credit Suisse for 10 years, and moved into the Policy team in 2011 from the Investment Banking strategy team where he was focused on European country coverage and CS M&A. Prior to joining CS, Tom worked as a strategy consultant at Accenture. Tom has a Masters from Oxford University in Modern Languages. ________________________________________________________________________________________

Burkhard Eckes, Partner, PwC

Burkhard Eckes is the Banking and capital markets leader of PwC Germany and PwC Europe. Mr. Eckes is a member of the Financial Services leadership team of PwC Germany, Chairman of the PwC Banking International Accounting Group and a member of the banking committee of the Institute of Chartered Accountants. He is also chairman of the Banks Working Party of the FEE (Federation of European Accountants and Auditors). Mr. Eckes has more than 26 years work experience as a certified accountant and advisor of credit institutions and insurance companies. He has specialised on Business model analysis, Risk management, Accounting and Regulatory. He has been the senior responsible/relationship partner across PwC’s large banking clients in Germany and is in continued dialogue with senior executives of the financial services sector in Germany and throughout Europe. Mr. Eckes works closely with regulators, supervisors and accounting bodies across Europe, including the EBA, ECB, IASB, and EU and German bodies, and is familiar with their agendas. ________________________________________________________________________________________

Ronny Rehn, Director and Research Analyst, BlackRock

Ronny Rehn is member of the European Equity team within the Fundamental Equity division of BlackRock’s Active Equity Group.

He is responsible for covering the European Financial sector. Prior to joining the team in 2015, Ronny spent 1 and a half years as portfolio advisor at Charlemagne Capital following a career on the sell side most recently as head of the European Banks research team at Keefe, Bruyette & Woods.

Ronny earned a BSc Degree in Banking and Finance from the university of applied science Dresden in 2002.

14 EUROPEAN BANKING UNION

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15 EUROPEAN BANKING UNION

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