HEAR FROM EXPERTS INCLUDING:QUESTIONindustry experts on the impacts of regulations, new market players and technologies.

DEBATEwith leading bankers, economists and policymakers.

SHAREideas during interactive panel discussions.

Join us: www.banking.economist.com @EconomistEvents #futurebanking2015

Andrea EnriaChairpersonEuropean Banking Authority

Urs RohnerChairman of the Board of DirectorsCredit Suisse Group AG

Peter SandsGroup Chief ExecutiveStandard Chartered PLC

Yves MerschMember of the Executive BoardEuropean Central Bank

GOLD SPONSORS: OFFICIAL BROADCASTER:

MARCH 10TH 2015 • PAVILLON GABRIEL, PARIS

THE FUTURE OF BANKINGBANKING DISRUPTED:BUILDING TOMORROW’S BANKS

NOW IN ITS

6THYEAR

Urs RohnerChairman of the Board of DirectorsCredit Suisse Group AGSwitzerland

Matt HammersteinHead of Client and Customer Experience Personal and Corporate BankingBarclaysUnited Kingdom

Martin BlessingChairman of the Board of Managing Directors CommerzbankGermany

Peter SandsGroup Chief ExecutiveStandard Chartered PLCUnited Kingdom

David ArnottChief Executive OfficerTemenosSwitzerland

Margaret DoylePartner, Head of Financial Services InsightDeloitteUnited Kingdom

Sarah DahlgrenExecutive Vice-president, Head of the Financial Institution Supervision GroupFederal Reserve Bank of New YorkUSA

Lisa JacobsChief Strategy OfficerFunding CircleUnited Kingdom

Hugh McKayHuman Resource Director Commercial Banking & Consumer FinanceLloyds Banking GroupUnited Kingdom

Pippa LambertGlobal Head of Human ResourcesDeutsche BankGermany

Stanley PignalBanking EditorThe Economist

Tonny Thierry AndersenMember of the Executive Board Head of Personal BankingDanske BankDenmark

Axel A. WeberChairman of the Board of DirectorsUBS AGSwitzerland

Philippe BordenaveChief Operating OfficerBNP ParibasFrance

Andrea EnriaChairpersonEuropean Banking AuthorityEurope

Michel SapinMinister for Finance and Public AccountsFrance

Yves MerschMember of the Executive BoardEuropean Central BankEUROPE

Sally MillerChief Executive OfficerInstitute of International Bankers International

Elke KönigPresidentBaFinGermany

CHAI

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BANK

ERS

EXPE

RTS

BANK

ERS

REGU

LATO

RS

Steffen KampeterDeputy Finance Minister Parliamentary State Secretary Federal Ministry of FinanceGermany

Jordi GualChief Strategy Officer and Chief Economist Group La Caixa Professor of Economics, IESE Business SchoolSpain

Fernando DiazGlobal Head of HR Strategy & OrganizationBBVASpain

Registration is available in English at : www.banking.economist.com

THE CONFERENCE WILL BE HELD IN ENGLISH

The Future of Banking | Our expert speakersMarch 10th 2015 – Pavillon Gabriel, Paris

The financial crisis changed banking in more ways than one. Regulation has proliferated and hardened. Nimble non-banks players have successfully entered the market. Consumers are more demanding and technology is changing every day.

The Future of Banking Summit, now in its sixth year, will bring together bankers, investors, regulators and policymakers from Europe and around the world to discuss how to maintain profits in these turbulent times.

Join us to debate:• what will change now the European Central Bank is in charge

• how to juggle with fragmented regulation while passing stress tests

• disruption in the banking industry, from technology to new market entrants

WHY

THE FUTURE

OF BANKING

SUMMIT?

HIGHLIGHTS FROM LAST YEAR’S SUMMIT:

MEDIA PARTNERS: SUPPORTING ORGANISATIONS:

120ATTENDEESsenior banking executives and policymakers

80%of audience members at director-level or above

17countries

represented

« Very insightful,very useful! »Managing Director Financial Institutions,Commerzbank

« Very interesting – highly topical »Director FI, Lloyds

« Very informative and insightful »Head of Financial Research, The Bank of Tokyo Mitsubishi

75%of attendees would recommend it

« Good opportunity to hear and discuss about trends in business »Head of Risk, Nova Banka

The Future of Banking | About the eventMarch 10th 2015 – Pavillon Gabriel, Paris

8.30 REGISTRATION AND REFRESHMENTS 9.00 CHAIR’S WELCOME

• Stanley Pignal, Banking Editor, The Economist

THE BANKING REGULATORY LANDSCAPE

9.05 OPENING KEYNOTE ADDRESS: What to expect now the ECB is in charge• Yves Mersch, Member of the Executive Board, European Central Bank

9.30 PANEL: How the global regulatory landscape transforms the role of banks and shapes business modelsBanks’ business models must adapt to the Dodd-Frank Act, the Volcker Rule and Basel III capital and liquidity requirements. But how can cross-border banks maintain profitability while juggling with fragmented regulation? To what extent can the Union harmonise national banking regulations and stimulate investment in the real economy? Where can banks find growth?

• Martin Blessing, Chairman of the Board of Managing Directors, Commerzbank • Philippe Bordenave, Chief Operating Officer, BNP Paribas• Andrea Enria, Chairperson, European Banking Authority • Elke König, President, BaFin• Urs Rohner, Chairman of the Board of Directors, Credit Suisse Group AG

10.35 NETWORKING BREAK11.05 PANEL: Building tomorrow’s banks: is smaller safer?

Everyone agrees structural reforms are needed to avoid another financial crisis. But what should they be? Is ‘too big to fail’ a thing of the past? Will policymakers separate retail and investment banking? To what extent can securitization cure the credit drought? Will recovery and resolution requirements work? Does a healthier, more transparent market require more regulation – or a different mindset from the banking community?

• Jordi Gual, Chief Strategy Officer and Chief Economist, Group La Caixa; Professor of Economics, IESE Business School• Steffen Kampeter, Deputy Finance Minister and Parliamentary State Secretary, Federal Ministry of Finance, Germany • Peter Sands, Group Chief Executive, Standard Chartered PLC

12.00 PANEL: Global and US banking regulation: impossible convergence?This session will examine the impacts of diverging US and global banking regulation. How easily can foreign banks establish Intermediate Holding Companies (IHC) while maintaining liquidity back home? How can trust be built between different supervisory models and what impact does this have on business? How far are banks willing to “derisk” to stay compliant with US regulation?

• Sarah Dahlgren, Executive Vice-president, Head of the Financial Institution Supervision Group, Federal Reserve Bank of New York • Sally Miller, Chief Executive Officer, Institute of International Bankers• Axel A. Weber, Chairman of the Board of Directors, UBS AG

12.45 LUNCH

BANKING ON DISRUPTION: HOW NEW ENTRANTS AND TECHNOLOGIES ARE SHAKING UP BUSINESS MODELS

14.00 PANEL: Who the disruptors are and how they are changing the banking industryNon-banks are playing the banking game and succeeding. From telcos, retailers, and tech start-ups to asset managers and money market funds, the disruptors are creating alternative modes of financing and entering a regulatory twilight zone. How are disruptors getting around regulation? What must the industry learn from the new entrants? What can banks do to retain their lending, payments and trading activities? Where do banks’ competitive advantage lie?

• Moderator: Margaret Doyle, Partner, Head of Financial Services Insight, Deloitte• Lisa Jacobs, Chief Strategy Officer, Funding Circle• Tonny Thierry Andersen, Member of the Executive Board and Head of Personal Banking, Danske Bank

14.50 PANEL: The future of digital banks: from mobile banking to customer-driven innovationThe digital revolution is taking the banking industry by storm and banks must innovate to keep up. Mobile banking, data analytics and experience-driven banking are but some of the innovations that are rejuvenating the industry and creating a new era of banking. How can banks tap into the potential of Big Data while protecting customer privacy? Are unwieldy branch networks doomed to extinction?

• David Arnott, Chief Executive Officer, Temenos• Matt Hammerstein, Head of Client and Customer Experience - Personal and Corporate Banking, Barclays

15.30 COFFEE BREAK16.00 SPECIAL FOCUS: Where are tomorrow’s bankers? Attracting and retaining talent in a new age of banking

Since the financial crisis, banks are struggling to recruit the best and brightest students, who spurn banking for consultancies and tech firms. How can banks attract and retain the talent? Is it more a question of salaries or banking culture?

• Fernando Diaz, Global Head of HR Strategy & Organization, BBVA• Pippa Lambert, Global Head of Human Resources, Deutsche Bank• Hugh McKay, Human Resource Director, Commercial Banking & Consumer Finance, Lloyds Banking Group

16.30 KEYNOTE ADDRESS: Financing the real economy: what role for banks? • Michel Sapin, Minister for Finance and Public Accounts, France

17.00 CHAIR’S CLOSING REMARKS

The Future of Banking | The agendaMarch 10th 2015 – Pavillon Gabriel, Paris