Payments Conference and Exhibition EBAday “A New Era of Transformation and Convergence for Banks” 10-11 June 2014, Finlandia Hall, Helsinki, Finland

Conference Agenda — Day 1: Tuesday, 10 June 9.00 Registration and Breakfast 10.15 Welcome by Hansjörg Nymphius, Chairman, EBA 10.30 Opening Keynote: Topi Manner, Head of Banking, Finland, Nordea Bank 11.00 Challenge Speaker: Andrew Tarver, Founder, Bold Rocket and CEO, Capco Ltd. 11.45 Strategic Roundtable: Key Strategic Challenges – How will the transformation of the banking business impact payments? Speakers: ● Dean Sposito, Head of Cash Management FI – Northern Europe, Deutsche Bank ● Tod Burwell, President & Chief Executive Officer, BAFT Moderator: Andrew Tarver, Founder, Bold Rocket and CEO, Capco Ltd.

12.30 Lunch and networking time 14.00 Start of parallel streams:

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14.00­14.45 Bridging the Structural Gap – the 14.00­14.45 Towards an Integrated Market for End of Internal Payments Silos? Card, Mobile and Internet Payments Payments are becoming increasingly customer- The SEPA era has started and the foundations driven and customer demands evolve rapidly with have been laid. What next for transaction banks? changes in technology. Will banks benefit now Can we draw parallels to other network industries from converging their separate payments organi- to better prepare for upcoming standardisation and sation structures to create a renewed customer harmonisation initiatives? focus? Moderator: Jürgen Bott, Professor, Kaiserslautern Moderator: Gilbert Lichter, CEO, EBA CLEARING University Speakers: Speakers:  Martin Coen, CEO, Dovetail  Kari Kemppainen, Senior Economist, Oversight  Peter Hazou, Managing Director, Head of of Market Infrastructure Division, Bank of Fin- EMEA Market Management Treasury Services, land BNY Mellon  Wolf Kunisch, Head of Financial Processing &  Jessica Richards, Director of Industry & Mem- Software Licensing and CEO Germany/CEE, ber Affairs, Payments Council Worldline  Paul Thomalla, SVP General Manager EMEA,  Wiebe Ruttenberg, Head of Market Infrastruc- ACI ture Division, European Central Bank  Salvatore Borgese, Sales Director, Istituto Cen- trale delle Banche Popolari Italiane

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Stream 1 Stream 2

15.15­16.00 Will Alternative Payments Domi­ 15.15­16.00 Intra-Day Liquidity Management nate e-Commerce by 2020? and Risk Challenges Why are alternative payments leading the way into What are the intra-day liquidity and risk considera- e-commerce and mobile? Will customer behaviour, tions for banks in the run up to Basel III? mobility and new technology totally reshape the Moderator: Christian Goerlach, Global Head of FI traditional payments landscape? Balance Sheet & Liquidity, Deutsche Bank Moderator: Vincent Brennan, Head of Group Op- Speakers: erations & Payments, Bank of Ireland  Pierre Calvet, Deputy General Manager, Atos- Speakers: Diamis  Paul Alfing, Chair e-Payments, Ecommerce Eu-  Jukka Heikkinen, Head of Cash Management, rope Caverion  Travers Clarke-Walker, Managing Director,  Ludy Limburg, Director, Payment Solutions, EMEA, Fiserv Global Transaction Services, RBS  Luca Vanini, Head of Group Product Develop-  Harry Newman, Head of EMEA Market Initia- ment Payments, Unicredit tives Group, SWIFT  Ernst Verbeek, Director General, Trionis

16.30­17.15 SEPA 2.0 – The End to Legacy and 16.30­17.15 Bridging the Gap between ACH and Niche Schemes Retail Payments How can the payments industry effectively phase What has to be done to align ACH payments more out remaining legacy systems and niche closely with the needs of next generation retail schemes? How much market fragmentation is still payments? acceptable after SEPA? Moderator: Kevin Brown, Independent Non- Moderator: John Chaplin, Chairman, Global Pay- Executive Director & Advisor ments Innovation Jury Speakers: Speakers:  Gian Bruno Mazzi, Senior Vice President, SIA  Luca Poletto, Head of SEPA, Global Cash Man-  Sean Rodriguez, Senior Vice President, Pay- agement, BNP Paribas ments Industry Outreach, Federal Reserve  Michael Steinbach, CEO, Equens Bank Chicago  Wolfgang Stockinger, Head of Cash Manage-  John Broxis, Managing Director, MyBank ment Solutions, Deutsche Bank  Inge van Dijk, Global Head Payments & Cash Management, ING

17.15 Networking time and Drinks Reception 18.30 End of first day

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Conference Agenda — Day 2: Wednesday, 11 June 8.30 Registration and Breakfast 9.30 Strategic Roundtable: Breaking New Ground in Payments and Transaction Banking Speakers: ● William Higgins, Director of Payments, Business Services, RBS ● Piia-Noora Kauppi, Managing Director, Federation of Finnish Financial Services Moderator: Gareth Lodge, Senior Analyst, Banking, Celent

10.15 Start of parallel streams: Stream 1 Stream 2

10.15­11.00 The Case for Immediate Payments 10.15­11.00 Payments Services Directive II and e-Identity What will banks need to foresee in terms of infra- structure, compliance requirements, intra-day li- What are the implications for banks when third par- quidity and risk management in order to success- ty providers have access to the current account? Is fully provide to their global customer base real- there a need for better identity services to enhance time payments? security? Moderator: David Bannister, Editor-in-Chief, Moderator: Giusella Finocchiaro, Full Professor of Banking Technology Internet Law and Private Law, University of Bolo- Speakers: gna  Davide Girompini, Global Leader Payments and Speakers: Transaction Services, IBM Financial Services  Ugo Bechis, UBI Banca Group Delegate to  Mark Hartley, Chief Innovation Officer, SEPA Clear2Pay  Vincent Jansen, Principal Consultant, Innopay  Simon Newstead, Managing Director, Head of  Hubertus von Poser, Partner, PPI Market Engagement, RBS  Joanna Wright, Vice President EMEA, Fundtech

11.30­12.15 Nordic Payments Innovation 11.30­12.15 The Case for XML Standards in High-Value Systems Are the region’s banks committed to creating a Nordic Payment Area on the backbone of SEPA? What are the operational changes to foresee? Can Nordic payment innovators help banks on How will banks need to perform XML management their quest for further harmonisation in the inter- in the run up to the introduction of T2S? bank space? How to be innovative on the product Moderator: Leo Lipis, Managing Director, Lipis & side in a highly regulated and multi-currency mar- Lipis ket? Speakers: Moderator: Erkki Poutiainen, Public Affairs, Wholesale Banking, Nordea  Matt Loos, Senior Product Manager, J.P. Mor- gan Speakers:  Petra Plompen, Vice President, Industry En-  Henrik Bergman, Senior Manager Market & In- gagement, RBS frastructure, SEB  Bernd Waizenhöfer, Head of Settlement and  Dag-Inge Flatraaker, General Manager, DNB Ancillary Services in PTM Client Products & So- Bank lutions FI Payments, Deutsche Bank  Kirstine Nilsson, SEPA & EU Payment Regula- tion Coordinator, Swedbank  Petri Syvänne, Head of Global Payment Ser- vices & Infrastructure, Nordea

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12.15 Lunch and networking time 14.00 Start of corporate afternoon: Stream 1 Stream 2

14.00­14.45 SEPA Completed? 14.00­14.45 Workshop: Supply Chain Opportu­ What are the lessons learned from the SEPA im- nities plementation? Did corporate customers get what What opportunities lie in the way corporates are was promised to them? What are the remaining managing their financial supply chain and working challenges post-migration? capital? Do banks see a customer value proposi- Moderator: Javier Santamaría, Senior Vice Presi- tion in linking supply chain finance, process auto- dent, Banco Santander mation such as electronic invoicing and the pay- ments flow? Should new cooperation models Speakers: among banks and with other players be envis-  Jean Pic Berry, CEO, STET aged?  José-Carlos Cuevas, Regional Treasurer Eu- Moderator: Charles Bryant, EBA Senior Advisor rope, ALSTOM Corporate Funding & Treasury Speakers:  Mark McNulty, Head of Clearing & Funds  Peter Downie, BPO Service Line Manager - Transfers, Citi P2P, Hewlett Packard  Jan Paul van Pul, Head of Market Infrastruc-  Mads Rasmussen, Head of Business Develop- tures, ABN AMRO Bank ment, Trade & Export Finance, Danske Bank  José Vicente, Chairman, EBA Supply Chain Working Group

15.15­16.00 Innovative Solutions 15.15­16.00 Boardroom Focus: Anti-Money Laundering What will be the best model to stimulate a wider adoption of innovative, bank-led payment solutions Are transaction monitoring systems able to provide and which scope should such solutions have to the full picture across businesses and jurisdic- attract new users? tions? Is outsourcing of AML functions a viable op- tion for banks? Moderator: Roberto Liscia, President, Netcomm Speakers: Moderator: Christian Westerhaus, Global Co- Head of Client Products & Solutions, Global Trans-  Thomas Egner, Chairman Innovation Commit- action Banking, Deutsche Bank tee, EBA CLEARING, and Preta Board Member Speakers:  Maria Pia Giovannini, Director, Rules, Stand- ards and Technical Guidelines, AgID  Graziella Capellini, Senior Advisor, NIKE Con- sulting  Vanessa Manning, EMEA Head of Payments & Cash Management, RBS  Dominique Feller, AML Advisor, Deutsche Bank  Marco Polissi, Product Development Manager,  Gerard Hartsink, Chairman of the Board, GLEIF SIA

16.30 Moderators’ Roundtable: ―Can we build an industry-wide vision for payments 2020?‖ Speakers: ● Erkki Poutiainen, Public Affairs, Wholesale Banking, Nordea ● Javier Santamaría, Senior Vice President, Banco Santander ● Christian Westerhaus, Global Co-Head of Client Products & Solutions, Global Trans- action Banking, Deutsche Bank ● Gilbert Lichter, CEO, EBA CLEARING Moderator: Hansjörg Nymphius, Chairman, Euro Banking Association 17.00 End of conference 4