Financial Risk & Regulation Summit

Home , Bank of Ireland, Barclays, Barclays Investment Bank, BNP Paribas, Deutsche Bank, Erste Group

7TH ANNUAL LAUNCH SPECIAL £999* Valid until RISK EMEA 2018 9 February FINANCIAL RISK & REGULATION SUMMIT TOPICS TO BE ADDRESSED IN 2018 24-25 APRIL, 2018 | CITY OF LONDON KEYNOTE SESSIONS Regulation and Fragmentation | Liquidity | Geopolitical climate and Brexit

MICHAEL SPITZ JEFF SIMMONS ED JENKINS JON HUGHES SUE KEAN CEO, Co Head of MD, Head of ERM Global Head of Wholesale Credit Managing Director Chief Risk Officer PRE EVENT MASTERCLASS – APRIL 23 Blockchain/DLT Lab Bank of Tokyo & Market Risk Goldman Sachs Old Mutual Main Incubator GmbH, Mitsubishi UFJ HSBC Blockchain Bootcamp: Application in the Commerzbank Group financial industry SIMON GADD PHILIP BEST JAMES COULSON RORY CONWA ADRIAN BURBANKS Chief Compliance Officer Chief Compliance Officer EMEA Deputy Chief Executive Officer

Group CRO Wealth CRO Led by Citi, Commerzbank, ING and Barclays

Legal & General Barclays Wealth and EMEA and UK MetLife Agricultural Bank of China (UK) Credit Suisse Investment Management Ltd

CPD Accreditation: Knowledge Partner: Co-sponsors:

1 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON

WHAT’S NEW FOR 2018:

NEW AND IMPROVED - 3 STREAMS ACROSS 2 DAYS!

KEYNOTE & PLENARY SESSIONS NEW CRO LINE UP AND KEYNOTE SESSIONS! • C-Suite professionals from Legal & General, HSBC and Agricultural Bank of China • C-Suite line up from Barclays Wealth and Investment management, Aegon Bank, (UK) Ltd discuss geopolitical risks including Brexit and Credit Suisse on the impact of regulation and fragmentation • Keynote address from the CRO of UBS on liquidity risk management • Keynote address from the CRO, Commercial Banking at Lloyds Banking Group – topic to be announced!

INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK • New dedicated stream focused on innovation across • New dedicated stream discussing a broad range of • Credit risk stream returns for 2018 with an updated the industry and the future of risk management across strategic balance sheet management challenges on the senior speaker line up two days. horizon, running across both days • Key topics include: IRRBB, IFRS 9, IRB models, Brexit, • Join a senior line up to review technological advances • Hear from Heads of Departments and industry experts SA-CCR and much more across the industry including those from HSBC, RBS, Credit Suisse, • Hear from credit risk experts from; Lloyds Banking UniCredit, BNP Paribas, Mizuho International and more. • Presentations and panel discussions assessing Group, Deutsche Bank, Bank of America Merrill Lynch, innovation in risk management including; New entrants • Key topics include: Regulatory requirements, TLAC and Erste Bank, BNY Mellon, Bank of Ireland and many to the market, strategic business models, cyber security MREL, recovery and resolution planning, NSFR, TRIM, more defences, FinTech, blockchain, AI and cloud stress testing and more.

NEW FOR 2018: PRE-EVENT MASTERCLASS APRIL 23 BLOCKCHAIN BOOTCAMP: APPLICATION IN THE FINANCIAL INDUSTRY 2018 features a new Blockchain Bootcamp to deliver an introduction and practical case studies from industry thought leaders on the leading topic in innovation. Ruth Wandhofer, MD, Global Head of Regulatory and Market Strategy at Citi is joined by; CEO, Co-Head of Blockchain/DLT Lab, Main Incubator GmbH, Commerzbank, Head of Wholesale Banking, Blockchain, ING and Investment Bank CTO Office, Barclays. Over the course of time, the industry is likely to be transformed as a consequence of putting this foundational technology into production. The one day course supports and further expands upon critical elements of the future of cryptocurrencies and their impact on the industry as discussed in the main Risk EMEA agenda.

2 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 2 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON KEY SPEAKER FACULTY

Philip Best Rory Conway Simon Gadd Phil Headley Sue Kean Ian Roberts Chief Risk Officer Chief Compliance Officer, Group Chief Risk Managing Director, Head Chief Risk Officer Chief Credit Officer Barclays Wealth and EMEA Officer of Regulatory Reporting Old Mutual Plc Royal Bank Of Scotland Investment Management MetLife Legal & General Mizuho International Sue Kean was appointed Ian has undertaken a Philip has worked in Simon Gadd was Managing Director, is to the Executive variety of roles including the financial markets since 1985 and Rory Conway is the Chief Compliance appointed CRO of L&G responsible for the Regulatory Reporting Committee of Old Mutual Group Plc, in branch banking, credit, training has held a number of positions in risk Officer for MetLife’s EMEA operations. Group in January 2013. As Group CRO requirements of Mizuho International January 2012 as the Chief Risk Officer department, front line relationship management. Prior to joining Barclays he Rory assumed this role in January 2016 he heads risk oversight for all risk types plc, specifically in relation to local for the Group. Old Mutual is a FTSE management and 13 years in the was CRO for Columbia Threadneedle. and also serves as Chief Compliance within L&G risk framework. Simon has CRDIV/V, Group and business planning 100 financial conglomerate, operating restructuring division in the UK and Philip published one of the first books on Officer for the MetLife European led several different businesses within requirements. Phil joined Mizuho in 2011, in South Africa, Europe, the US and a Asia before being appointed Head of VAR: Implementing Value at Risk, Wiley, Union Holding Company. Prior to his the Legal & General group, including prior to that held senior finance roles at growing emerging markets business, with Institutional Credit. 1998. current role in EMEA, Rory was Head the Retail Protection business, Group RBS, ABN AMRO and Bank of America. particular focus on Africa. Old Mutual Ian will be joining a panel discussion of Compliance for Metlife Western & Protection business and as MD of Phil qualified with EY London. is currently undergoing a strategy of Philip will be participating on a keynote to discuss the implications of Brexit on Central Europe. Annuities from 2006 - 2012. “Managed Separation” which will place panel discussion on the cumulative credit risk each of the four businesses into their impact of regulation and managing Rory will be delivering a presentation on Simon will be giving insights on the relevant markets and wind down the regional fragmentation. increasing data requirements to support keynote panel discussion on the Jon Hughes technology innovation and regulatory Managing Director current group structure. geopolitical climate and impacts post Jeff Simmons initiatives. Goldman Sachs Brexit. Sue will be participating in a keynote MD, Head of Enterprise Richard Blackburn Jon is an experienced panel discussion on the cumulative Risk Management Chief Risk Officer, GBM Operational Risk impact of regulation and managing Bank of Tokyo-Mitsubishi HSBC James Coulson Mariana Gómez de la professional with a demonstrated history regional fragmentation. UFJ Chief Compliance Officer, of working in the financial services Richard Blackburn re- Villa Maciej Lewandowski Jeff’s responsibilities include the EMEA Head of Wholesale industry. Skilled in Risk Management, joined HSBC as Chief Risk Head of Section & development of a Regional Risk and UK Banking Blockchain Banking, Pension Schemes, Hedge Officer, Global Banking & Joint Supervisory Team Appetite Framework, the creation of an Credit Suisse Funds, and Investment Banking. Markets in February 2016 ING Coordinator Integrated Stress Testing process and the from GE Capital where he had been James Coulson joined Credit Suisse as Mariana Gomez de la Villa (1979, Jon will be delivering a presentation on European Central Bank standardisation of the risk governance Chief Compliance Officer UK & EMEA a quantative approach to operational risk International Treasurer covering Europe, Mexican nationality) has joined ING in Maciej Lewandowski has framework across the EMEA region. Asia-Pacific and the Middle-East. in March 2015 and is now the Chief 2015 and is currently the global head of management 20+ years of experience ranging from Jeff will be delivering insight on aligning Compliance Officer for Credit Suisse ING’s Blockchain program, with overall Richard will be joining the keynote panel Ed Jenkins financial control, credit risk management stress testing with BAU practices and International and Credit Suisse Securities responsibility for driving research, discussion on the geopolitical climate Global Head of to corporate banking, derivatives and recovery and resolution planning. Europe Limited. Prior to joining Credit development and deployment of and impacts post Brexit. Wholesale Credit and fixed income.Currently (since June Suisse, he held a succession of roles over Distributed Ledger Technology as well 18 years at Société Générale in London. Market Risk 2014) he is working in ECB Banking as capitalizing on its potential in order to Supervision (aka Single Supervision HSBC Michael Spitz James will be joining the keynote panel unlock mass-scale value. Under Mariana’s Mechanism – SSM) as Head of Section & Adrian Burbanks leadership, the Blockchain program has Ed Jenkins is the Global Head of CEO, Co Head of Deputy Chief Executive Officer, discussion on the cumulative impact Joint Supervisory Team (JST) Coordinator, Blockchain/DLT Lab of regulation and managing regional delivered over +30 proofs of concept Wholesale Credit and Market Risk HSBC responsible for consolidated supervision Agricultural Bank of Main Incubator GmbH, fragmentation. in collaboration with the following having previously been the CRO of of one of the largest Dutch banks. China (UK) Ltd business areas: payments, trade finance Global Banking and Markets (GB&M). Commerzbank Group Adrian is Deputy CEO and and working capital solutions, financial He joined HSBC in 2008 as the Chief Maciej will be joining panel discussions Michael F. Spitz is a Director in SM4 at Agricultural Bank markets, post-trade, bank treasury, Accounting Officer of GB&M. future of banking with increased Commerzbank’s Frankfurt Office and Andrew Edwards innovation and technological advances. of China, UK, Limited, with Chief Risk Officer, lending, compliance and identity. Ed will be discussing climate change CEO of the Main Incubator GmBH, with Mariana is also responsible for setting up specific responsibilities for Commercial Banking exposure to credit portfolios and the FSB Ebbe Negenman 20 years’ experience in the Corporate long-term purpose and vision, including Risk and Compliance. He was formerly Lloyds Banking Group taskforce mandate. Chief Risk Officer, & Institutional Banking domain. He has the governance of the program within CRO at the National Bank of Abu Dhabi, Aegon Bank worked across a range of industry sectors London Branch and has held senior risk Andrew has deep expertise in portfolio the organization. Mariana is an active Nasreen Kasenally in Western and Eastern Europe, North management positions at UBS and Merrill management, treasury and risk and leader in global consortia, outlining the Chief Risk Officer Dr. Ebbe Negenman is a America and Asia. Michael is Co-Head of Lynch. in leading and building large multi- Distributed Ledger Technology strategy Asset Management, member of the executive Commerzbank’s Blockchain Lab team. disciplinary global teams. Prior to joining and envisioning market landscapes. Group Chief Risk board and CRO of Aegon Bank in Adrian will be giving insights on the the group, Andrew spent ten years at Mariana’s accountabilities include the Officer EMEA The Hague (The Netherlands). He is Michael will be joing panel discussion keynote panel discussion on the Barclays in a number of positions across definition of products, services and UBS responsible for the risk and compliancy on assessing potential disruption or geopolitical climate and impacts post portfolio management, risk and treasury. business models, as well as foresight functions of the bank. Previously opportunities FinTech entrants can bring Brexit. Nasreen is responsible for independently to banking models Andrew has multiple expertise and will to business, technology, leadership monitoring and measuring Credit, he fulfilled the position of head of be delivering a keynote address. communities and international Market, Liquidity, Compliance and Regulatory Risk at ABN AMRO Bank and stakeholders, including regulators. Operational risks. She is a member of held senior management positions at the UBS Asset Management Executive various places within ING Group. Committee and the UBS Group Risk Ebbe will be participating on a keynote Executive Committee. panel discussion surrounding the Nasreen will be delivering a keynote cumulative impact of regulation and address on liquidity risk management. managing regional fragmentation. 3 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 3 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON SPEAKERS AT RISK EMEA 2018

KEYNOTE SESSIONS Philip Best James Coulson Nasreen Kasenally Wealth Chief Risk Officer Chief Compliance Officer, EMEA and UK Chief Risk Officer Asset Management, Barclays Wealth and Investment Management Credit Suisse Group Chief Risk Officer EMEA UBS Richard Blackburn Andrew Edwards Chief Risk Officer Chief Risk Officer, Commercial Banking Ebbe Negenman GBM, HSBC Lloyds Banking Group Chief Risk Officer Aegon Bank Adrian Burbanks Simon Gadd Deputy Chief Executive Officer Group Chief Risk Officer Sue Kean Agricultural Bank of China Legal & General Chief Risk Officer Old Mutual Plc

INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK Dan Chalmers, Head of Technology, Change and 3rd Party Risk Rajiv Arora, Head of Regulatory Change, Mizuho International Fernando Blauzwirn, Director, Deputy Regional Head EMEA Wealth Standard Life Management, Business Aligned Risk Management, Deutsche Bank Alessandro Barchietto, Head of Capital Planning and Allocation, Rory Conway, Chief Compliance Officer, EMEA, MetLife UniCredit Assad Bouayoun, Director, XVA Senior Quant, Scotiabank Pauline Cowan, Innovation Programme Lead, RBS Richard Boyns, Head of Capital Management, HSBC Christian Dusterberg, IFRS 9 Senior Advisor, Erste Group Philip Garner, Head of Group Strategy, Lloyds Banking Group Steve Byron, Risk Director, Capital, Risk Appetite & Regulatory Phil Headley, Managing Director, Head of Regulatory Reporting Projects, Lloyds Banking Group Mizuho International plc Mariana Gómez de la Villa, Head of Wholesale Banking Blockchain, ING Rory Conway, Chief Compliance Officer, EMEA, MetLife Bill Hodgson, OTC Space John Hughes, Managing Director, Goldman Sachs Sebastien Geroult, Head of Stress Testing Execution – Non Credit, Stephen Hender, Head of Credit Risk Platforms, Deutsche Bank RBS Jacqueline Johnson, Head of IT Security, Nordea Bank Michalis Ioannides, Head of Credit and Market Risk Europe, Thomas Groen, Head of Capital Risk, Barclays Canada Life Alexander Knothe, Director, European Head Non-bank FI/ Fintech, Deutsche Bank Amit Kalyanaraman, Head of Liquidity Risk (UK), Credit Suisse Ed Jenkins, Global Head of Wholesale Credit and Market Risk, HSBC Maciej Lewandowski, Head of Section & Joint Supervisory Team Phil Pearce, Managing Director, Hybrid Capital and liability Catherine Kean, Head of Bank and Country Risk, Bank of Ireland Coordinator, European Central Bank Management, Natwest Markets John Lund, JXL Consulting Nassos Oikonomopoulos, Head of Technology Controls – Regional Peter Quell, Head of Portfolio Analytics for Market Risk and Credit Lucia McMonagle, Managing Director, Regional Head of Credit Risk Operating Model and Europe, HSBC Risk, DZ Bank (EMEA), BNY Mellon Richard Pike, CEO, Governor Gilles Renaudiere, Director, Capital Products, BNP Paribas Fabio Perata, Head of Section/Joint Supervisory Team Coordinator, Andrew Reilly, Head of Strategic Risks, Royal Bank of Scotland Tony Roberts, Head of Group Leverage Management, Deutsche European Central Bank Bank Nicole Sandler, Lead Innovation Council, Barclays Ian Roberts, Chief Credit Officer, RBS Hanna Sarraf, Head of Risk Strategy, Bank of Ireland Ville Sointu, Head of DLT and Blockchain, Nordea Chia Chiang Tan, Director, Counterparty Model Risk Management, Jeff Simmons, Head of Enterprise Risk Management, Bank of Tokyo Bank of America Merrill Lynch Michael Spitz, CEO, Main Incubator GmbH, Co Head of Blockchain/ Mitsubishi UFJ DLT Lab, Commerzbank AG Erdem Ultanir, Quantitative Credit Risk Analytics Lead, Barclays Harshal Talati, Head of Market Risk Reporting, Royal Bank of Kasper Sylvest, Head of Financial Market Infrastructures, Danske Peter Walsh, Razor Risk Scotland Bank Tim Wickens, Global Head of Funds Credit, Standard Chartered Bank Etienne Varloot, Head of Global Markets Regulatory Strategy & Kaivalya Vishnu, Director, Risk & Treasury Technology, Bank of Quant Research, Natixis America Merrill Lynch Frederic Zana, Head of Capital Steering, Credit Agricole More details on the speakers at: Robert White, Director Payments Industry Oversight, Santander www.cefpro.com/re/speakers

4 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 4 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON PRE-EVENT MASTERCLASS

PRE EVENT MASTERCLASS – FULL DAY 23 APRIL 2018 BLOCKCHAIN BOOTCAMP: APPLICATION IN THE FINANCIAL INDUSTRY Limited seats available. Due to the interactive nature of the event, seats are limited; reserve your seat early to avoid disappointment.

Over the course of time, the industry is likely to Gain insight on how blockchain works, what Registration and breakfast for the masterclass will be transformed as a consequence of putting this cryptocurrencies are, and how underlying technology of open at 8am, before the first session begins at 9am. foundational technology into production. The one distributed ledgers can be deployed in other areas of Throughout the day, breakfast, refreshment breaks and day course supports and further expands upon critical the financial system and infrastructure. Hear first-hand lunch will be served, allowing for adequate networking elements of the future of cryptocurrencies and their examples and case studies to gain a broad overview opportunities to reflect on the day’s discussion – the class impact on the industry as discussed in the main Risk covering both the basics and in-depth work in practice. will conclude at 5pm. EMEA agenda.

OVERVIEW OF THE DAY ABOUT THE MASTERCLASS LEADER Ruth Wandhöfer, Managing Director/Global Head of Regulatory & Market Strategy, Citi • Introduction to Blockchain and the first use Ruth Wandhöfer is a regulatory expert in the field of banking and one of the foremost authorities on transaction banking case Bitcoin regulatory matters. Ruth’s key responsibilities include driving regulatory and industry dialogue and developing product and market strategy in • Development of the cryptocurrency market line with the evolving regulatory and innovation landscape. and implications for regulated businesses GUEST SPEAKERS • AML/KYC and the Blockchain: how technology Michael Spitz, CEO, Main Incubator GmbH, Co Head of Blockchain/DLT Lab, Commerzbank AG can increase the success rate of compliance Michael F. Spitz has 20 years’ experience in the Corporate & Institutional Banking domain. He has worked across a range of industry sectors in Western and Eastern Europe, North America and Asia. Michael is Co-Head of Commerzbank’s Blockchain Lab team. • Risk management in the cryptocurrency space

Mariana Gomez de la Villa, Head of Wholesale Banking Blockchain, ING • Distributed Ledger Technology application Mariana has overall responsibility for driving research, development and deployment of Distributed Ledger in the financial industry: presentation of case Technology as well as capitalizing on its potential in order to unlock mass-scale value. studies

Dr. Lee Braine, Investment Bank CTO Office, Barclays Lee’s current focus is distributed ledgers, blockchain and smart contracts. He represents Barclays Investment Bank on For more information on the Masterclass visit: several distributed ledger consortia and is the co-author of academic papers on smart contracts. www.cefpro.com/re/masterclass

08:00 MORNING REGISTRATION AND COFFEE

08:50 CHAIR’S OPENING REMARKS

KEYNOTE PANEL DISCUSSION KEYNOTE ADDRESS

09:00 The cumulative impact of regulation and managing regional fragmentation 09:45 Addressing the challenges and pitfalls of Liquidity Risk Management • Moving away from global harmony • Regulatory landscape – current and future • Considering rules in jurisdictions and restrictions on specific regions • Liquidity measurement – challenges • The price of compliance • Managing fund liquidity from an asset and liability perspective • Viability of business models with excessive restrictions • Liquidity stress testing and scenario analysis Philip Best, Wealth Chief Risk Officer, Barclays Wealth and Investment management Nasreen Kasenally, Chief Risk Officer Asset Management, Group Chief Risk Officer EMEA, UBS Ebbe Negenman, Chief Risk Officer, Aegon Bank James Coulson, Chief Compliance Officer, UK and EMEA,Credit Suisse Sue Kean, Chief Risk Officer, Old Mutual Plc

10:20 MORNING REFRESHMENT BREAK AND NETWORKING STREAM ONE STREAM TWO STREAM THREE INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK

10:50 Regulation of financial institutions and new entrants DOUBLE SESSION 10:50 Reviewing the shifting focus within credit risk and the to the market to create a level playing field 10:50 Managing balance sheet and regulatory requirements impact of new trends and regulation • Regulating transactions and technology over entity or across entities and jurisdictions • Overview of new trends and regulations impacting institution • Global capital rules wholesale credit – EMIR, MIFID, IFRS 9 AnaCredit Basel IV • Integrating systems for regulatory reporting and compliance • Liquidity and funding requirements • Initial margin model spread to all banks • Importance of single customer view • Determining balance sheet size on entity and subsidiary basis • Impact of Central Clearing on credit risk management • Understanding new risks to ensure sustainability and stability • Ringfencing capital in jurisdictions • Illusion of safety of metrics delivering 0% risk • Balancing cost of capital, availability and rules • Managing priorities and developing synergies Richard Boyns, Head of Capital Management, HSBC Catherine Kean, Head of Bank Country Risk, Bank of Ireland

11:25 Analytics, Automation & Governance: An integrated DOUBLE SESSION CONTINUED 11:25 Techniques to calculate future exposure to approach to build next generation infrastructure for risk 11:25 Managing balance sheet and regulatory requirements counterparty credit risk management across entities and jurisdictions • Merging quantitative and qualitative • Integrating into legacy systems • Global liquidity rules • Infrastructure capable of calculating capital • Standardisation of systems and business logic • Trapped liquidity and binding constraints • Complications of distinct entities to calculate future • Investing to improve practices • Forecasting challenges exposure • Unstructured to structured data • Governance models • Technology and data • Bringing areas together not traditionally aligned for a • Impact and outlook Chia Chiang Tan, Director, Counterparty Model Risk broader picture Management, Bank of America Merrill Lynch • Data availability, processing power and integration Amit Kalyanaraman, Head of Liquidity Risk (UK), Credit Suisse • Systems and governance Kaivalya Vishnu, Director – Risk & Treasury Technology, Bank of America Merrill Lynch

STREAM ONE STREAM TWO STREAM THREE INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK

PANEL DISCUSSION PANEL DISCUSSION PANEL DISCUSSION 12:00 The future of banking with increased innovation and 12:00 Incorporating recovery and resolution planning into 12:00 Reviewing the impact of financial crime on credit risk technological advances and the price of keeping up a broader framework to identify and manage liquidity and to protect investment • New entrants to the market capital events • Jeopardising the health of sensibility • Sustainability of business models • Governance to run internally • Impact of losses to SMEs • Capabilities to implement new technology • Link to ILAP and ICAP • Awareness on a corporate level of credit impacts • Maintaining risk teams and level of diligence • End to end handling of liquidity and capital • Assessing, monitoring and valuing the risk • Harnessing trust of larger institutions legacy as competitive • Crisis management • Understanding balance sheet of clients and potential loss advantage • Linking day to day operations and mind-set of crisis • Ensuring clients are protected before issuing loan • Controls for emerging risk • How a stress test framework works and feeding into recovery • Compliance to avoid regulatory fines Philip Garner, Head of Group Strategy, Lloyds Banking Group and resolution planning Fernando Blauzwirn, Director, Deputy Regional Head EMEA • Consolidating subsidiaries in a crisis Nassos Oikonomopoulos, Head of Technology Controls – Wealth Management, Business Aligned Risk Management, • Incorporating TLAC and MREL Regional Operating Model and Europe, HSBC Deutsche Bank Frederic Zana, Head of Capital Steering, Credit Agricole Maciej Lewandowski, Head of Section & Joint Supervisory Team Coordinator, European Central Bank Jeff Simmons, Head of Enterprise Risk Management, Bank of Tokyo-Mitsubishi UFJ Tony Roberts, Head of group Leverage Management, Deutsche Bank Phil Pearce, MD, Hybrid Capital & Liability Management, NatWest Markets

12:45 LUNCH BREAK AND NETWORKING

13:45 Increasing data requirements to support technology DOUBLE SESSION 13:45 Reducing the Cost of Clearing I A Big Opportunity innovation and regulatory initiatives 13:45 Integrating TLAC and MREL into capital and funding • Optimising Initial Margin • Regulations for GDPR and BCBS 239 plan • Reducing gross notional • EBA paper on big data • Leverage exposure and risk level exposure • The costs driven by IM and gross notional • Managing data in a post-GDPR world • Implementing the standard internally and considering • CCP account model selection • BCBS 239: Building compliant IT systems and increasing linkages • CCP selection post-Brexit efficiency • Implementing into steering model • Managing the margin workflow across multiple CCPs • Storing and managing data • Harmonisation directive across Europe Peter Walsh, Razor Risk • Governance of data • Outstanding legal considerations John Lund, JXL Consulting Rory Conway, Chief Compliance Officer, EMEA,MetLife • Impact of Brexit • Institutionalising new category of debt: Senior non-preferred Bill Hodgson, OTC Space debt • Appetite from investors Tony Roberts, Head of group Leverage Management, Deutsche Bank

14:20 Preparing for PSD2 and understanding the impacts of DOUBLE SESSION CONTINUED 14:20 Impact of weakening loan terms on the corporate open banking and sharing data 14:20 Integrating TLAC and MREL into capital and funding loan market and managing uncertainty • Transactional data available from bank to FinTech but not plan • Changes in terms with increased money chasing vice versa • Leverage exposure and risk level exposure • Recovery rates in a downturn • Competitive advantage • Implementing the standard internally and considering • What would weakened loan terms mean for loan recovery • Impact on smaller banks linkages • Corporate funds for loans • Open transaction data • Implementing into steering model Fernando Blauzwirn, Director, Deputy Regional Head EMEA • Opportunities and limitations • Harmonisation directive across Europe Wealth Management, Business Aligned Risk Management, • Assisting competitors with identifying customer needs • Outstanding legal considerations Deutsche Bank Pauline Cowan, Innovation Programme Lead, Royal Bank of • Impact of Brexit Scotland • Institutionalising new category of debt: Senior non-preferred debt • Appetite from investors Gilles Renaudiere, Director, Capital Products, BNP Paribas 14:55 AFTERNOON REFRESHMENT BREAK AND NETWORKING

PANEL DISCUSSION PANEL DISCUSSION PANEL DISCUSSION 15:25 The future of payments: Reviewing advances in 15:25 Building a global vision of risk and reward and 15:25 Implications of Brexit on credit risk: Impact of the payment industry and staying ahead of technology aligning for a more integrated approach uncertain macroeconomic environment to credit portfolios advances • Banks siloed to risk and finance divisions • Impact on companies and financial standing • Impact of PSD 2 • Merging risk, capital and performance management • Consumer credit and individual default rates • Originating transactions on behalf of customers • Risk management of the future • Impact of worsening consumer credit • SWIFT customer security programme: implementing 16 • Analytics and digitalisation of the industry • Output growth worsening mandatory controls Sebastien Geroult, Head of Stress Testing Execution – Non Lucia McMonagle, MD, Regional Head of Credit Risk (EMEA), • Cross border payment traffic Credit, Royal Bank of Scotland Bank of New York Mellon • Fraudulent payment initiation from outside infrastructure Rory Conway, Chief Compliance Officer, EMEA, MetLife Stephen Hender, Head of Credit Risk Platforms, with increased mobile app transactions Amit Kalyanaraman, Head of Liquidity Risk (UK), Credit Suisse Deutsche Bank • Assisting competitors with identifying customer needs Ian Roberts, Chief Credit Officer, Royal Bank of Scotland Robert White, Director Payments Industry Oversight, Santander UK Kaivalya Vishnu, Director – Risk & Treasury Technology, Bank of America Merrill Lynch Kasper Sylvest, Head of Financial Market Infrastructures, Danske Bank

8 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 8 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON AGENDA | 24 APRIL | DAY 1 STREAM ONE STREAM TWO STREAM THREE INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK 16:10 Understanding uses and leveraging the opportunities 16:10 The quest for optimal balance sheet structures that 16:10 Reviewing guidance for IRRBB and impact on the available with Blockchain technology across risk can deliver sustainable profitability business management practices • Reforming capital requirements in banking: recent • ECB stress test review • Influences for KYC, Payments, Clearing, Data storage etc. developments and challenges ahead • Disclosure requirements • Disruptions to mainstream transactions • Understanding the evolving measures for calculating capital • Governance of requirements • Operational speed and efficiency constraints requirements • Impact of rate rises • Competing with faster and instant payments • Implementing Capital Allocation and Return on Capital • Unintended consequences post implementation • Incorporating into day to day activities across the enterprise frameworks that reflect economic reality Fabio Perata, Head of Section/Joint Supervisory Team Mariana Gómez de la Villa, Head of Wholesale Banking • Identifying optimal asset mixes that can deliver sustainable Coordinator, European Central Bank Blockchain, ING profitability while keeping a bank within risk appetite and all capacity constraints 16:45 Understanding the potential use of cryptocurrencies in Hanna Sarraf, Head of Risk Strategy, Bank of Ireland banking and payment practices for effective implementation • Regulators view with limited focus or understanding 16:45 Aligning IFRS 9 and stress testing and incorporating 16:45 Climate change exposure to credit portfolios: FSB • Developments across the industry loss numbers into internal stress tests taskforce mandate and impact on the industry • Differences between cryptocurrencies and principle • Complications of parameters to IFRS 9 • Producing scenarios and stress testing impacts Ville Sointu, Head of DLT and Blockchain, Nordea • Consistency across companies • Financial stability: impact on loans for quick transactions • Generating figures and non-linear effects on capital stress • Governance application to risk types testing • Incorporating as part of strategy • Economic effect of IFRS 9 on stress testing and capital • Risk management, metrics and targets • Stress test forecast based on new regime Ed Jenkins, Global Head of Wholesale Credit and Market Risk • IFRS 9 stress testing feeding into overall stress testing and ICAP HSBC

17:20 CHAIR’S CLOSING REMARKS 17:30 END OF DAY ONE AND DRINKS RECEPTION

08:15 MORNING REGISTRATION AND COFFEE

08:50 CHAIR’S OPENING REMARKS

KEYNOTE PANEL DISCUSSION KEYNOTE ADDRESS

09:00 Managing risk in an increasingly uncertain geopolitical • Process of licensing passported branches into third party 09:45 Risk Management of the Future climate and impacts post Brexit branches • External pressures • US uncertainty: future of presidency and potential • Fragmentation across jurisdictions and competitive • Customers’ expectations deregulation advantage • Innovation • Practical challenges of contingency planning Simon Gadd, Group Chief Risk Officer, Legal & General • Colleague of the Future • Future regulatory landscape: managing risk in EU or UK Adrian Burbanks, Deputy Chief Executive Officer, Andrew Edwards, Chief Risk Officer, Commercial Banking, • Future model of risk management and clearing Agricultural Bank of China (UK) Ltd Lloyds Banking Group • Transposing EU law into UK law Richard Blackburn, Chief Risk Officer, GBM, HSBC

10:20 MORNING REFRESHMENT BREAK AND NETWORKING

STREAM ONE STREAM TWO STREAM THREE INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK

10:50 Risk Oversight: Challenges and a New Approach 10:50 Effective distribution of capital across an organisation 10:50 Calculating LGD and incorporating a standardised • Risk Oversight Approaches for increased balance sheet optimisation reporting structure • Current risk oversight challenges for FIs • Increasing returns • How repayments are captured • A New approach to oversight • Upcoming multipliers and add on to current RWA and • Capturing recovery at the time they appear in balance • Practical guide and case study leverage ratio • Data management/storage limitations • Best composition of capital for having rating point of view • Reinterpretation of CRD IV Richard Pike, CEO, Govenor • Unified approach • Optimal capital giving rating to business • Standardised LGD reporting 11:25 A quantitative approach to operational risk • Simulating risk appetite Michalis Ioannides, Head of Credit and Market Risk Europe, management • Benchmarking view of business Jon Hughes, Managing Director, Goldman Sachs Canada Life Frederic Zana, Head of Capital Steering, Credit Agricole

11:25 Reviewing the potential consequences of TRIM 11:25 Reviewing IFRS 9 post go-live: First impressions on reviews on capital and balance sheet management operations, imapcts and market views • Capital on balance sheet • Implementation and 5 year operating plan • Managing variations in numbers and communicating to • Higher numbers resulting in exiting certain businesses investors • Unintended impact on economic growth • Changing behaviour: using numbers and defining appetite • Impact on capital ratios and solvency under stress • Monitoring loans from a credit perspective Alessandro Brachietto, Head of Capital Planning and • Reaction to increased volatility Allocation, UniCredit • Predicting and reporting losses based on future events Christian Dusterberg, IFRS 9 Senior Advisor, Erste Group

10 #RiskEMEA www.risk-emea.com | [email protected] | +44 (0) 20 7164 6582 10 7TH ANNUAL RISK EMEA: RISK & REGULATION | 24-25 APRIL 2018 | LONDON AGENDA | 25 APRIL | DAY 2 STREAM ONE STREAM TWO STREAM THREE INNOVATION IN RISK MANAGEMENT STRATEGIC BALANCE SHEET MANAGEMENT CREDIT RISK PANEL DISCUSSION PANEL DISCUSSION PANEL DISCUSSION 12:00 Assessing the potential disruption or collaboration 12:00 Timelines and introduction of FRTB with uncertainty 12:00 IRB model repairs: Guidelines and definition of opportunities FinTech entrants can bring to traditional on implementation deadline and global disparities default and impact on estimates and risk parameters banking models • Implementation challenges • Aligning default for capital and impairment • Changing behaviour of the consumer • How will it be implemented across Europe • Change to EBA 90 day rule from 180 • FinTech giants as new entrants to the industry: Impact in • Understanding preparation for final calculations • Calibrating definition w ith IFRS 9 periods of low profitability • Setting up desk structure and back testing • Default thresholds translating to managing customers and • Enabling technology and info sec • Varying stakeholder’s views and interpretations calculating loss • Payment structure and leveraging technology • Fully adapting back end systems • Reconsidering collection and recovery practices • Enabling existing businesses Sebastien Geroult, Head of Stress Testing Execution - Non • Change to pricing and P&L measures Nicole Sandler, Lead Innovation Council, Barclays Credit, Royal Bank of Scotland • Conflicts between use of models for IRB and for other Michael Spitz, CEO, Main Incubator GmbH, Co Head of Rajiv Arora, Head of Regulatory Change, Mizuho purposes Blockchain/DLT Lab, Commerzbank AG Etienne Varloot, Head of Global Markets Regulatory Strategy & Erdem Ultanir, Quantiative Credit Risk Analytics Lead, Barclays Nassos Oikonomopoulos, Head of Technology Controls – Quant Research, Natixis Stephen Hender, Head of Credit Risk Platforms, Deutsche Bank Regional Operating Model and Europe, HSBC Peter Quell, Head of Portfolio Analytics for Market Risk and Christian Dusterberg, IFRS 9 Senior Advisor, Erste Group Alexander Knothe, Director, European Head Non-Bank FI/ Credit Risk, DZ Bank AG Fintech, Deutsche Bank

12:45 LUNCH BREAK AND NETWORKING

13:45 How banking models can capture and identify 13:45 Developing enterprise wide stress testing 13:45 Risk management under Basel IV technology into strategic business models frameworks to align with regulatory initiatives • Implementation under uncertainty • What elements are threats and what are opportunities • European banks with CCAR constraints • Effects on capital ratios • Where does technology fit • Methodology and governance • The future of internal model approaches • Strategic thinking and evolution of banking • Technology challenges for data management • Improving qualitative aspects • Vision for banking in 10 years Stefan Scheutzow, Expert Consultant • Good quality data sources and Market Risk Team Lead, Finbridge • Bridging the gap from idea to real world application • Linking to Recovery and resolution, ILAP and ICAP Hendrik Sumpf FRM, Associate Manager, Finbridge Andrew Reilly, Head of Strategic Risks, Royal Bank of Scotland • Expectations of SSM Thomas Groen, Head of Capital Risk, Barclays

14:20 Cyber security risks in an executive context 14:20 Aligning stress testing with BAU practices for a more 14:20 Progress towards SA-CCR implementation and • Cyber Value at Risk concept (CVaR) integrated view of risk and results understanding potential impacts prior to go-live • Ontology of cyber risk terms • Absorbing information and into way senior managers think • Regulatory requirements • Quantifying Cyber resilience metrics using financial about business • Understanding potential impact valuations principles • Regulatory capital on rating based approach • Ensuring calibration • Updating governance through regulatory feedback Head of Regulatory Reporting, Finance, Jacqueline Johnson, Former Head of IT Security, Nordea Bank Phil Headley, Mizuho • Return on regulatory capital International Plc Jeff Simmons, Head of Enterprise Risk Management, Bank of Tokyo-Mitsubishi UFJ

14:55 AFTERNOON REFRESHMENT BREAK AND NETWORKING

15:25 Using AI to maximise efficiencies and profitability 15:25 Understanding potential impacts of ringfencing 15:25 Are all CCPs Equal? across the institution capital as an extension to liquidity regulations • Credit analysis- different factors to assess compared to other • Processing available data • Regional security FI/corporates • Using AI and applying it to risk management: Where can it • Impact on balance sheet of forming small regional banks • Stress testing- more or less important with a CCP? be applied? • Fundamental change in dynamics to large institutions • What do you have to do v what can you choose to do • Ensuring transparency for regulators • Are there any political dimensions to the assessment? • Holding losses in individual regions • Making informed decisions in a time efficient manner Tim Wickens, Global Head of Funds Credit, Lloyds Banking Harshal Talati, Head of Market Risk Reporting, Royal Bank of • What does effective implementation look like? Group • Using to automate regulatory constraints Scotland • Use in accounting to predict cash flow patterns

16:00 Reviewing the benefits and risk considerations when 16:00 Incorporating economic and regulatory capital to 16:00 New developments and advances in HPC (high utilising cloud technology increase efficiency and optimisation of allocation performance computing) for credit risk and exposure analytics • Outsourcing IT as a service • Making capital more efficient • An increasing computing power is needed for • Vendor outsourcing risk • What does a fully implemented system look like • Regulatory obligations and risk surveillance • Retaining skills in-house to maintain service • Using models to their full potential • Resource allocation (Capital) • Concentration of vendors • Using for ICAP documents • There is now a wide range of hardware available: • Gaining benefits whilst meeting non-functional requirements • GPU for Monte-Carlo / ML (Machine Learning) • Moving data to other cloud if one fails • Making money with limited resources • QPU for optimisation / ML (Machine Learning) Dan Chalmers, Head of Technology, Change and 3rd Party Risk, Steve Byron, Risk Director, Capital & Risk Appetite, Lloyds • This leads to a new type of high performance architecture: Standard Life Banking Group • The new software triptych: Database – Analytics – Visualisation • Cloud computing and orchestration Assad Bouayoun, Director, XVA Senior Quant, Scotiabank 16:45 CHAIR’S CLOSING REMARKS 16:55 END OF DAY TWO AND RISK EMEA 2018

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2018 SPONSORS:

2018 KNOWLEDGE PARTNER:

Finbridge Finbridge is an independent specialised SPONSORSHIP & EXHIBITION consultancy to financial services. With over 90 Razor Risk highly qualified consultants, Finbridge offers Since inception the Razor software framework Advance your branding, awareness, industry expertise, thought- zeb tailor-made implementation approaches has helped transform the way Banks, leadership and lead-generation at RISK EMEA 2018. Sponsorship zeb is Europe’s leading management throughout the entire process chain. Finbridge Investment Managers, Hedge Funds, Brokers, and exhibition with the Center for Financial Professionals offers consultancy in the financial services sector. supports banks and financial services Central Clearing Counterparties and Stock unique networking, brand recognition and thought-leadership zebís services include the development successfully in designing and implementing Exchanges, measure, manage, control and of ultra-modern IT solutions, IT strategy change processes resulting from new report their risk and capital. Razor Risk deliverance opportunities with senior risk professionals from consulting and the provision of support regulatory requirements, new innovative Technologies is a privately held company, around the world. Whether you want full branding across the to clients during software implementation financial products or adjustments to business head quartered in London with a development event or simply a well positioned exhibition stand, our business projects. models in risk controlling, regulatory reporting, centre in Sydney, Australia. We are a diverse development team will tailor the right package for you. We do zeb.control.accounting is a comprehensive accounting, trading and settlement. team of risk and capital operatives who sit everything we can to help you get your marketing message software solution that allows banks to meet Our experience in the market for functional alongside our technology experts, having across and also to benchmark return on your investment. the requirements of the international reporting design, change-impact analyses, and worked together for two decades, solving risk, capital and technology challenges for standards (IAS 39 or IFRS 9). To this effect, the implementation make Finbridge one of the Call us on +44 (0) 207 164 6582 or email [email protected] to modular standard software provides banks leading risk experts in the German banking Front, Middle and Back Office teams covering with intuitive user interfaces for categorization, industry with a growing customer base Risk and Capital across Financial Services find out more impairment, hedge accounting and the throughout Western Europe. We work closely markets. The team brings together years of management of posting approaches. Compare together with your in-house experts to derive industry experience and a passion for risk and www.zebcontrol.com/ifrs for more details. solutions that optimise your implementation capital measurement, management, control approaches whilst maintaining feasibility w.r.t. and reporting technology to help our clients your general corporate strategy and business accomplish their day-to-day activities quickly model. and cost effectively. 2018 CO-SPONSORS: SPONSORSHIP LEVELS

• LEAD PARTNER Simudyne Simudyne powers computer simulations to • CO-SPONSOR Governor Software augment human intelligence and enable ActiveViam With offices in Dublin, London and New York, radically better decisions. Governor Software Ltd supports senior risk and • EXHIBITOR ActiveViam provide precision data analytics Simudyne has built tomorrow’s simulation compliance executives at financial institutions, tools to help organisations make better platform, integrating realistic bottom-up maintain governance and oversight, through decisions faster. models of the world with artificial intelligence, • BREAKFAST BRIEFING clear visualisation of their regulatory to make it easier to simulate every possible ActiveViam started in 2005 with the vision of obligations and risk appetite. future. This technology empowers executive leveraging in-memory technology to create • APP SPONSORSHIP Founded in 2015 by CEO Richard Pike, the decision makers to work directly with an analytics platform where businesses Governor Software team have first-hand intelligent agents and make radically better could leverage the largest data sets without experience of the production and oversight decisions. Our technology allows businesses • BESPOKE OPPORTUNITIES restrictions, keep them up-to-date in real of governance information within financial to understand the past by creating realistic time and use them to empower their decision institutions. Empowered with this unique models of the world from the bottom up. makers. knowledge, Governor Software have taken Then, you can explore your environment by Our goal at ActiveViam, is to let organisations a fresh approach to addressing these testing all possible decisions in a safe virtual not only make decisions faster, but better; to challenges; using visualisation technology to environment. Finally, you decide your future not only reach their data, but their potential; to efficiently tackle the issues associated with by leveraging the wisdom of computational not only see their data, but find their way into governance and oversight in their entirety. simulation. Simudyne is already in use by DOWNLOAD PACKAGES the future. Governor Software believe the opportunity leading banks looking to enhance stress ActiveViam is a privately owned company with for compliance and risk professionals to make testing models, simulate contagion risk and for offices in Paris, London, New York, Hong Kong governance and oversight a more robust and a range of other commercial and retail banking and Singapore. effective process is significant. activities.

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ESSENTIAL INFORMATION

VENUE ACCOMMODATION The Tower – A Guoman Hotel If you would like to book accommodation please use St Katherine’s Way booking code CFP1240418 for only £159 incl. VAT per London room per night. This also includes a full English breakfast. E1W 1LD Book by email: [email protected] UK Book over the phone: 0800 330 8005 Click here for map Subject to availability and valid until 27 March 2018

DRESS CODE RISK INSIGHTS Business attire Stay up to date on the latest news, articles and Q&As from presenters at Risk EMEA 2018. To stay up to date visit the website www.risk-emea.com

NETWORKING OPPORTUNITIES AT RISK EMEA 2018

COCKTAIL RECEPTION NETWORKING Immediately following the end of day one, there will be a drinks reception Ample networking opportunities are available througout the two days; to wrap up the first day. Unwind in a more informal setting with drinks and breakfast, lunch and refreshments will also be served across both days to canapés to carry on the days discussions with colleagues and peers. allow for further discussion and networking, complementing the Briefings and Drinks Reception

BRIEFINGS RISK EMEA APP Closed-door briefings will be held with like-minded professionals (by Download the ‘Risk Insights’ app ahead of the event on your relevant Invitations only). Numbers are limited to bring together more intimate app store. The Risk Insights app now allows attendees to view each groups to discuss key subject matters. If you would like more information, RE other, exchange details and network. or the opportunity to host a Briefing, contact us at [email protected]

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Please complete the relevant fields and select your payment and attendance options. GROUP RATES AVAILABLE FOR 3+ DELEGATES When complete, please click Submit. You will receive confirmation within 24 hours of your 50% discount on the 3rd delegate registering from the same registration being received. company, when registering at the same time. Lowest rate discounted YOU CAN ALSO REGISTER ONLINE www.risk-emea.com Contact us, call: +44(0) 20 7164 6582 or email: [email protected] BY TELEPHONE: +44 (0) 20 7164 6582 OR EMAIL: [email protected] PAYMENT OPTIONS: INVOICE PLEASE REGISTER THE FOLLOWING DELEGATE(S) DELEGATE 2 Please send me an invoice and wire transfer information. DELEGATE 1 Miss Ms Mrs Mr Dr Other Miss Ms Mrs Mr Dr Other CREDIT CARD. PLEASE DEBIT MY: Name VISA MASTERCARD AmEx. Name Position Position Card No. / / / Telephone Expiry Date / CVV/Security number Organisation E-mail Name of Card Holder Address DELEGATE 3 - 50% OFF Miss Ms Mrs Mr Dr Other Billing Address

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