The World Savings and Retail Banking Institute

Brings together savings and retail banks and representing savings & retails banks worldwide. WSBI is committed to financial inclusion. Scale2Save, our international programme, has banked over 1 million people in six African countries.

The European Savings and Retail Banking Group

ESBG is an association that represents the locally focused European banking sector, helping savings and retail banks in European countries strengthen their unique approach that focuses on providing service to local communities and boosting SMEs.

Positions shared by WSBI-ESBG with the policymaking community at both EU and international levels . We cover a multitude of topics with those in current focus listed opposite.

How green are the finances ?
ESBG members are committed to further unleash the promise of sustainable, responsible 21st century banking

Consumer Finance

Consumer finance has become one of the most important areas of banking

Preventing money laundering and terrorist financing

Prudential, Supervision and Resolution

WSBI-ESBG is a propoponent of the proportionality principle, an instrument that aims to achieve the right balance between the objectives pursued by legislation and the methods used to achieve them

Capital Markets Regulation

Providing simple and shorter information to consumers to trigger well-informed decisions

ESBG is a Social Partner on the employers’ side, together with EBF and EACB in the European Sectoral Social Dialogue in the Banking Sector. The ESBG Human Resources Network is consulted on an ongoing basis in this framework

Auditing, Accounting and Reporting

ESBG members support the aim to curb short-term speculation and to encourage the prohibition of undesirable market behaviour

Digital Finance and Innovation

New technologies are transforming financial services and the way they are accessed by consumers; this digital transformation is shaping the future of banking.

Latest news from The World Savings and Retail Banking Institute and The European Savings and Retail Banking Group

Held on 30 November, the ESBG Retail Banking Conference 2023 brought together a constellation of…

In the past years, various initiatives to regulate organizations’ cyber resilience were published…

WSBI and ESBG produce a quarterly publication covering the latest news from the two associations as well as insight pieces from leaders in the savings and retail banking world. We also produce periodic brochures and reports.

European Commission review of the Mortgage Credit Directive

On February 28, ESBG sent its response to the European Commission questionnaire on what to include in the upcoming Review of the Mortgage Credit Directive (MCD). The consultation, published in November, covered 55 questions. The review of the legislative text is expected to be launched later this year.

In our response, we asked for a limited review on the necessary topics only. Our overall position is that an in-depth review of the Mortgage Credit Directive would be premature, at this time. Since the last review took place in 2016 and it concerns long-term finance, more time is needed to evaluate the impact of the changes included then.

As the mortgage market is not operating much cross-border, we believe that EU level intervention is not necessary. Consumers rely heavily on local expertise of mortgage advisers and working in their own languages and within national legal frameworks.

However, one area we are in favour of a review is the compatibility with other EU texts. For example, the General Data Protection Regulation, the EU Accessibility Act, and the Rome I Regulation will all impact the MCD so alignment is necessary.

As always, ESBG is pleased to see work being carried out on consumer protection. ESBG members have a long history of financial education and welcome the provision in the MCD text to increase financial education for consumers, which is more defined at national level.

No new event for the time being.
What could you do in the meantime ? ???? Stay Connected and Informed! ????

Peter Simon is the Managing Director of WSBI-ESBG. Mr. Simon, born and raised in Mannheim, graduated in 1995 in law from the Ruprecht-Karls-University in Heidelberg. Following his studies, he started to work as lawyer at the legal affairs office of the city of Mannheim. In 1996 he became personal and legal adviser to the First Mayor and in 1999 head of the European Affairs Office of the City of Mannheim. In 2007 he became head of the Economic Development department of the Metropolitan Region Rhine-Neckar GmbH. Mr. Simon held this position until his election in the European Parliament in 2009. As an MEP, he was active as Vice-Chairman of the ECON Committee and was Rapporteur for the CRD V/CRR II and Deposit Guarantee Schemes. After his second term in the European Parliament, he became in 2020 DSGV Plenipotentiary to the European Union and since January 2021 he is Managing Director of WSBI-ESBG. On January 2023, he was elected as the Chair of the European Banking Industry Committee (EBIC) which represents the whole banking industry, including the European Banking Federation and the European Association of Co-operative Banks

David Lukáš Rozumek is Senior Financial Sector Expert at the IMF, International Monetary Fund. He has participated in a range of missions focusing on banking supervision. David specializes on the climate environmental risk agenda and represents the IMF in the BCBS Task Force on Climate Related Financial Risks (TFCR) and contributes to the work of the NGFS. David is an expert in supervision and regulation, with more than 20 years of experience. Between 2008 and 2017, he was managing Financial Supervision Department of the Czech National Bank. David was elected twice a member of the EBA Management Board and was also co-chairing the EBA Standing Committee on Regulation and Policy (SCRePol).

Marcel Haag is Director Horizontal Policies at DG FISMA at the European Commission Marcel Haag studied law at the universities of Freiburg, Bonn, Strasbourg and at the EUI in Florence and qualified as a judge in Düsseldorf. After a short stint in business, he joined the European Commission and worked in different services within the Commission. Until the summer of 2020, Mr. Haag served as a Director for policy coordination in the Secretariat-General of the Commission. He is currently Director for Horizontal policies at the Directorate-General for Financial Stability, Financial Services and Capital Markets Union (DG FSMA), European Commission.

In April 2023 Philip List (55) has been appointed as managing director of Erste Social Finance Holding (FLiP has been incorporated as a non profit limited company)
In October 2015 he has been appointed director of the Erste Financial Life Park (FLiP). FLiP main objective is to promote the responsible handling of money, as well as knowledge about financial & economical coherencies. Fighting youth indebtness is one of the key motives. FLiP is the the biggest financial education initiative in the CEE region.
Philip has gained a lot of experience in the past few years in diverse lead management positions within Erste Group.
From 2009 to October 2015 he was CMO of Erste Group Bank AG and has a degree in law from Karl-Franzens University in Graz Austria.

Marcel Haag is Director Horizontal Policies , DG FISMA at the European Commission. He studied law at the universities of Freiburg, Bonn, Strasbourg and at the EUI in Florence and qualified as a judge in Düsseldorf. After a short stint in business, he joined the European Commission and worked in different services within the Commission. Until the summer of 2020, Mr. Haag served as a Director for policy coordination in the Secretariat-General of the Commission. He is currently Director for Horizontal policies at the Directorate-General for Financial Stability, Financial Services and Capital Markets Union (DG FSMA), European Commission.

Evert Van Walsum,Head of the Investor Protection and Sustainable Finance Departmentstarted his career in banking in the Netherlands. After that period, he continued his career in supervision and regulation at the Netherlands Authority for the Financial Markets (AFM), where he worked in various roles as a policy officer and as supervisor, in the markets area and in the field of consumer protection. His last position at the AFM was head of the Capital Markets Division.At ESMA, Evert is Head of the Investor Protection and Sustainable Finance Department, responsible for the areas of sustainability, investor protection, asset management, corporate finance and corporate reporting. Evert has studied at the University of Amsterdam and at INSEAD Fontainebleau.

Christian E. Castro was appointed Head of Public Affairs at Caixabank in 2021. He started his career in 2000 at the Banco Central de la República Argentina as an Economist. Following this, he worked for the Inter-American Development Bank in Washington DC as a Young Professional, and in 2009 he became a PhD Economist at the Bank of England working in the Prudential Policy Division. In 2012, he joined the Bank of Spain as Senior Economist and in 2016, he was appointed Head of Division, Global Regulatroy Policy and Impact Analysis in the Regulation Department.Cristian Castro holds a PhD degree in Business Economics from UAB

Ondřej Kovařík has spent his career so far in the Czech and European public administration, whether at the Ministry of Foreign Affairs, the Government Office, the Embassy of the Czech Republic in Canada, the Ministry of Defense or the European Parliament. Since 2019, he has been exercising the mandate of a member of the EP elected in the Czech Republic. He is a member of several parliamentary committees, where he deals with, among other things, EU economic policy with a focus on small and medium-sized enterprises, digital finance, tourism, the transport sector, as well as the use and development of new technologies such as artificial intelligence.

Peter Kerstens is Advisor on Technological Innovation and Cybersecurity at the European Commission’s Directorate-General for Financial Stability, Financial Services and Capital Markets Union. He has led work on the European Commission’s Fintech Action Plan. He has extensive experience in EU policy and legislation covering financial services and single market policy and regulation, electronic commerce and payments, health and consumer protection. Prior to his current position Peter covered international financial regulation questions and was Finance Counsellor at the EU Embassy in Washington DC. He has also been a Member of the Private Offices of Commissioners Charlie McCreevy and David Byrne. Before joining the European Commission in 1996, Peter advised major financial services companies on EU regulatory affairs. He is a Dutch national and holds a master degree in European affairs from the College of Europe in Bruges and a master degree in political science from the University of Leuven, Belgium.

Andrea Tessera is Chief Innovation Officer at Sella C-level executive with over 20 years of experience in international contexts and start-ups, where he has created brands, innovation waves, and digital growth for successful companies worldwide. As the Chief Innovation Officer at Sella, he leads a super talented team of vertical experts on various innovation streams, such as open finance, corporate venture capital, founder’s bank unit, digital assets, impact innovation, open innovation centers, web3, DLT, product design, customer experience, and UX/UI His passion is to build, impact, and innovate, leveraging emerging frameworks and technologies that can transform the financial industry and beyond. he has a significant expertise in innovation strategy, product and service development, and go-to-market execution, using web3, DLT, AI, data, and IoT. He has also worked with and managed some of the finest people in the business and built star teams from scratch.

Diederik Bruggink is ESBG Head of Payments, Digital Finance and Innovation. During his career, Diederik has lead and worked on several international projects, mainly with focus on cashless payments, across the whole payments value chain, from merchant acquisition through to issuing banks and within card switching and card processing organizations. His expertise also focuses on business strategy, proposition and business process issues, yet he brings systems expertise. He also brings in-depth knowledge of card scheme rules and regulations, and security. He has worked for or with very many banks, retailers, telephone operators, card processors, card schemes, acquirers and issuers, such as The Royal Bank of Scotland, WorldPay, ABN AMRO, MasterCard, Capgemini, ING, Equens, International Card Services, TSYS, Eufiserv, Vodafone, SafetyPay and Monnet. Diederik was one of the key authors of the first three editions of the World Payments Report.

Arianna Vannini is Principal Adviser for Strategic Foresight and Chief Economist in DG Internal Partnership. Prior to her current role, she was Economic Advisor in the Cabinet of Federica Mogherini, Vice President of the European Commission and High Representative of the Union forForeign Affairs and Security and before Member of President José Manuel Barroso Cabinet, where she was responsible in particular for competition policy and economic and financial matters. Her career in the European Commission started in 1995 when she joined the Cabinet of Commissioner Mario Monti. She was subsequently responsible for enforcement of antitrustrules in the area of liberal professions and media in her role of Head of Unit in DG Competition. Before joining the European Commission, Mrs Vannini was an official at the Bank of Italy in Rome. Mrs Vannini graduated in Economics at Bocconi University in Milan where she served as teaching and research assistant at the beginning of her professional career.

Veronika Pountcheva is member of the International Sustainability Standards Board (ISSB).She was appointed as a full-time member of the International Sustainability Standards Board (ISSB) in August 2022, effective 1 October 2022. Prior to her appointment, Ms Pountcheva served as Senior Vice President of corporate responsibility of METRO AG and Co-chief Executive Officer of NX Food, with responsibility for developing the company’s long-term sustainability strategy. She previously held leadership roles at METRO in Bulgaria, Ukraine, Germany and Serbia. Ms Pountcheva also chaired initiatives at the Consumer Goods Forum and Leading Executives Advancing Diversity. Ms Pountcheva holds a Master’s of Economics from the University of National and World Economy in Sofia and a Master’s of Mechanical Engineering and Chemistry from the Technical University of Sofia.

Dominique Goursolle, born Nouhaud, has spent most of her career at the head of urban transport in Périgueux (Péribus) and the family transport company Gonthier-Nouhaud, She is former vice-president of CESER Nouvelle-Aquitaine and the Urssaf Aquitaine. She has been involved in the cooperative life of the Caisses d’Epargne since 1999. She has been president of the orientation and supervisory board of the Caisse d’Epargne Aquitaine Poitou-Charentes since 2017 and was elected president of the Fédération Nationale des Caisses d’Epargne (FNCE). She is the first female president of the European Savings and Retail Banking Group (ESBG) since October 2021.

Karolin Schriever has been an Executive Member of the Board of the German Savings Banks Association (DSGV) since September 2022, with responsibility for the economics, politics and banking management division. Prior to this, she was Certified Public Accountant and Partner at KPMG AG, where she was responsible for KPMG’s accounting, banking supervision and sustainability practice. She held a number of other posts, including Lecturer in Auditing in the Financial Sector at the Frankfurt School of Finance & Management or Member of the Examining Commission at the Examination Office of the German Chamber of Public Accountants

Erik Ljungberg is Head of Group Brand, Communication and Sustainability at the Swedbank since 2020. Prior to this position, he worked for 12 years at the Scania Group AB where he respectively held the position of Senior Vice President, Corporate Relations followed by the position of Senior Vice President, Communications, Brand and Marketing. In 2006, he worked in Germany for CLAAS KGaA as Head of Corporate Marketing. From 1997 to 2006, Erik Ljungberg held various leading positions within Scania Group. He holds a M.Sc. in Business Administration.

Fiona van Echelpoel is Deputy Director General in the Directorate General Market Infrastructure and Payments (DG-MIP) of the ECB since January 2018. She has a broad background in central banking, having worked in a number of functions in the market infrastructure and market operations areas of the ECB since its establishment in 1998 and previously for its forerunner the European Monetary Institute (EMI); prior to that she worked at the Central Bank of Ireland. She represents the ECB in various European and international fora and chairs the ESCB CCP Working Group, co-chairs the TARGET2-Securities Cooperative Arrangement, the European Forum on the Security of Retail Payments (SecuRePay), the CPMI IOSCO Implementation Monitoring Sub-Group as well as being chair of the ECB’s Internal Crypto Assets Task Force. She holds a degree in Economics and Politics from University College Dublin.

Stéphanie Yon-Courtin was elected in May 2019 to the European Parliament where she is the vice-chair of the committee on economic and monetary affairs (ECON). Yon-Courtin is also a substitute member in the internal market and consumer protection committee (IMCO) and in the tax matters sub-committeen (FISC). In addition, she is the chair of the delegation for relations with Canada and a member of the delegation for relations with the United States. Prior to her election, she served as mayor of Saint-Contest, and vice-president of the urban community Caen la Mer. Before that, Yon-Courtin worked as an advisor on international affairs in the office of Bruno Lasserre, former president of the French Competition Authority. Yon-Courtin holds a master’s degree in law from the Universities of Caen and Bristol, and a master’s degree in European Business Law from the Institute of European Studies

François-Louis Michaud is the Executive Director of the European Banking Authority. He was appointed on 1 September 2020. Since March 2014, he had been a Deputy Director General at the European Central Bank, with responsibilities in the Single Supervisory Mechanism (SSM) first for horizontal and specialised topics, then for the supervision of the largest European banks. Previously, whilst a Deputy Director at France’s Autorité de Contrôle Prudentiel et de Résolution, he had been closely involved in the preparations for the SSM since 2012. At the Bank for International Settlements before (2005-09), he worked on the global financial system’s vulnerabilities and served as the Secretary to the Markets Committee, a forum for central banks’ market operations officials. He started his career at Banque de France in 1996, where he held various roles in banking supervision, policy and financial stability, before being seconded to the Federal Reserve Bank of New York (2004-05). He graduated in Economics (from Paris-Dauphine), Finance, and Philosophy.

Ana Puente Pérez is the Head of Sustainable and Digital Finance at the Ministry of Economic Affairs and Digital Transformation in Spain. She has over 15 years of experience in the financial sector, working on legislation, policy, and regulation of financial markets and instruments. She has a double degree in Business Administration and Law from the Universidad Pontificia Comillas. She is also a volunteer at Cáritas Madrid, a social organization that helps people in need. She speaks fluent English and French. She is interested in artificial intelligence, machine learning, data science, and digital marketing.

Patricia Reilly is Head of Cabinet for Commissioner Mairéad McGuinness, EU Commissioner for Financial Services, Financial Stability & Capital Markets Union. She was previously the Deputy Chief Veterinary Officer in the Department of Agriculture, Food and the Marine where she led five departmental policy divisions on areas including food safety and food authenticity, veterinary medicines and residues, anti-microbial resistance, animal health and welfare, TSEs and animal by-products. Mrs. Reilly has extensive experience across the European Commission starting in the Cabinet of Commissioner Máire Geoghegan-Quinn in Research, Innovation & Science. She then served as a Cabinet Expert focused on the Joint Research Centre (JRC) and the European Institute for Innovation and Technology. From 2016 to 2019 she was Deputy Head of Cabinet for Commissioner Tibor Navracsics in Education, Culture, Youth, Sport & the JRC, and later became Advisor to the Director General of the JRC. Mrs Reilly is Chair of the Governance Committee of BiOrbic and on the Board of the Tyndall National Institute. She holds degrees in veterinary medicine, law, and European Food Regulatory Affairs.

Chris Burns is a Franco-American journalist and media consultant with 25 years’ reporting experience in Europe, the U.S., Africa, Central Asia and the Middle East. He has covered armed conflicts, election battles, financial crises, natural and human disasters and film festivals.
Chris Burns now hosts a hard talk programme on Euronews titled “The Network”, after reporting for CNN, Bloomberg TV and the Associated Press. He is also a media consultant, media trainer and video producer, and has moderated panels including the World Economic Forum.
A graduate of political economy at the University of California, Berkeley, Chris speaks five languages, has dual US-French nationality, and lives in Brussels with his wife, two kids and three guitars.

Thomas Matis has over 9 years of experience at KPMG Germany. In his current role, Thomas serves as the driving force behind the securities distribution practice and holds the co-lead position for the German private banking & wealth management focus team. He has successfully led numerous national and international strategic projects, specializing in securities distribution regulation and the increasingly vital field of Environmental, Social, and Governance (ESG). Prior to his impactful contributions at KPMG, Thomas honed his skills at an international private bank, gaining a comprehensive understanding of the industry. As an alumnus of the Frankfurt School of Finance & Management, he holds both a Bachelor and Master of Science in Finance.

Maria Iride Vangelisti is a director in the Bank of Italy’s Department of Financial Education, where she is involved in the activities of the G20 Global Partnership for Financial Inclusion and the Italian Committee for Financial Education. She has also worked for more than 20 years in the Bank of Italy’s Department of Payment Systems and Services, participating in numerous working groups at the Bank for International Settlements and the European Central Bank. Her work on payment issues has been published widely.

Experienced Financial Director with a demonstrated history of working in the education management industry. Skilled in Non-profit Organizations, Event Management, International Relations, Fundraising, and Non-Governmental Organizations (NGOs). Strong finance professional with a Bachelor’s degree focused in Foreign Trade & International Organisations and Integration from Univerzitet ‘Sv. Kiril i Metódij’ vo Skopje.

Senior expert, conduct, payments and consumers, European Banking Authority
Noemie leads the financial education work carried out by the Joint Committee of the three European Supervisory Authorities, including the publication of a recent factsheet on the impact of inflation and interest rate rises on consumers and the forthcoming factsheet on sustainable finance. In her role at the EBA, Noémie leads the EBA’s convergence work in retail conduct supervision and mystery shopping. She also work on digital matters for example on AI and crypto-assets, in particular the recent public consultation on the RTS on complaints handling under MiCAR .
Prior to joining the EBA, Noémie Papp worked for more than 7 years at the European Banking Federation (EBF) where she was head of digital and retail banking. She led the strategy on digital and retail banking including on payments, FinTech, Artificial intelligence, cloud computing, e-identification, data etc. Previous to that experience Noémie worked for almost two years in a worldwide public relations and public affairs consultancy in Brussels.
Noémie obtained an LL.M on Competition law and economics from the Brussels School of Competition in Brussels and a Master II (equivalent to an LL.M) in European Litigation from the Université Panthéon-Assas Paris II in France.

Miles Larbey is Head of the Financial Consumer Protection, Education & Inclusion Unit at the OECD Directorate for Finance & Enterprise Affairs. In this role, he is responsible for the OECD’s work on international standards and best practice relating to financial consumer protection and financial literacy, including the G20/OECD High Level Principles on Financial Consumer Protection and the OECD Recommendation on Financial Literacy. Particular areas of focus include the development of national strategies for financial literacy, the impact of digitalisation, sustainable finance, demographic changes, consumer vulnerability and financial inclusion. Before working at the OECD, Miles was a senior executive at the Australian Securities and Investments Commission, and was the first General Manager of the Investor Education Centre in Hong Kong.

Gabriela Ramos is the Assistant Director-General for the Social and Human Sciences of UNESCO, where she oversees the institution’s contributions to building inclusive societies. Her mandate includes tackling economic inequalities of income and opportunity, and promoting social inclusion and gender equality. She also oversees the youth support agenda, promotion of values through sport, fight against racism and discrimination, and ethics of science, including of neurotechnology and the internet of things. She has overseen the development and adoption of the first global instrument to promote the ethics of artificial intelligence, adopted by acclamation in 2021 by UNESCO’s General Conference. She also launched the Global Forum against Racism, to catalyse the political support that member countries have given to this cause. On gender, she has advanced several initiatives, particularly to combat gender stereotypes and biases, including in new technologies. She also leads the Management of Social Transformations (MOST) Programme to help UNESCO Member States strengthen the connection between research and policy and between knowledge and action. She has overseen the publication on “Inclusive and resilient societies: equality, sustainability and efficiency” Previously, Gabriela Ramos worked as Cabinet Director and Sherpa for the G20, G7 and APEC at the OECD, contributing to increasing the OECD’s global impact and leading key initiatives such as “Inclusive Growth”, “New Approaches to Economic Challenges”, “Climate Change and Growth”, the gender equality strategy and work on well-being and children. At the G20, she contributed to the international reform for fair tax systems; the adoption of the gender-quota (to reduce the labour gap) and the establishment of the W20; and the adoption of the principles of artificial intelligence, among others. She also oversaw Global Relations and the OECD’s membership enlargement process. She is a member of the G7 Gender Equality Advisory Council (GEAC) for 2022, an independent advisory body that develops recommendations on gender equality issues across the entire G7 agenda. In 2019, she launched the Business for Inclusive Growth (B4IG) platform, bringing together 40 multinational companies committed to reducing inequalities. Previously, she was Director of the OECD Office in Mexico and Latin America where she supported reforms in education, telecommunications, gender and health. She was a member of the Mexican Foreign Service. In 2013 she was awarded the Order of Merit (Ordre du Mérite) by the President of France. Her work to promote gender equality has earned her several awards including from Forbes and Apolitico. She has been a Fulbright and Ford McArthur Fellow. She is an alumna of Harvard University’s Masters in Public Policy and Universidad Iberoamericana’s BA in International Relations. She is a board member of the “Paris Peace Forum”; the “UNICEF Advisory Board”; as well as the “Lancet Commissions on COVID and on Men’s Violence against Women”, and member of the Danone “Entreprise à Mission” Committee

Anu Raijas is PhD and Adjunct Professor in Consumer Economics. She works currently as an Adviser in Financial Literacy at the Bank of Finland Museum. In her work, she is responsible for the activities in financial education at the Bank of Finland and implementing the national strategy of financial education. Earlier she has worked as a Head of Research, Senior Researcher and University Lecturer at the Finnish Competition and Consumer Authority, National Consumer Research Centre, the University of Helsinki, LTT Research/Electronic Commerce Institute and Academy of Finland. Her research and teaching activities have focused on financial literacy, private consumption, households’ economic living conditions, indebtedness, and financial decision-making within families.

On the Supervisory Board of Vienna Insurance Group Appointed since/until 2017/2024

Committee activity Strategy Committee (Deputy) Professional background

Since 2011 Kärntner Sparkasse AG, Klagenfurt Member of the Managing Board and Spokeswoman of the Managing Board responsible for Retail, Organization/IT and Marketing from 1995 International financial communication; support of the expansion to CEE with stays in Prague and Bucharest 1998-1999

Investor Relations Manager 1997-1998 Investment consulting for corporate clients 1996-1997 Area Manager international financial institutions 1995-1996 Head of support for foreign retail clients
1993-1995 Crèdit Lyonnais (Austria) AG, Vienna Private Banking Department: Relationship Manager 1989-1993 Chase Manhattan Bank (Austria) AG, Vienna Private Banking Department: Relationship Manager or Head of Back Office 1987-1989 Wang Österreich Ges.m.b.H., Vienna Order Controlling for Eastern Europe Education

1981-1986 Studied Commercial Science at the Vienna University of Economics and Business Administration 1976-1978 Studied at the Institute for Translator and Interpreter Training at the University of Vienna No supervisory board mandates in domestic or foreign listed companies

President and CEO. M.Sc. Electrical Engineering, B.A. Economics. Employed since 1 October 2019. Born 1967.
In Swedbank as President and CEO
Education
M.Sc. Electrical Engineering, Lunds University
B.A. Economics, Lunds University
Fil. Lic. Economics, Stockholm School of Economics and University of California San Diego
Work experience
2019– President and CEO, Swedbank
2013–2019 President and CEO, Folksam
2010–2013 CEO, NASDAQ OMX Stockholm
2010– Global Head of Bank Relations, Swedbank
2010 Senior Advisor NASDAQ OMX, Rockville MD, USA
2008–2010 Executive Director, International Monetary Fund (IMF), Washington DC, USA
2007 Senior Policy Fellow, Bruegel, Bryssel, Belgien
1994–2006 Swedish Ministry of Finance: State Secretary for Economic Policy and International Affairs, 2002–06, Chief Economic Advisor to the Minister of Finance, 1999–2002, Chief Political Advisor to the Minister of Finance, 1998–99, Political Advisor to the Minister of Finance, 1994–98
1993–1994 Columnist, Arbetet

M-Chama

The National Bank of Belgium NBB has been the central bank of Belgium since 1850. The National Bank of Belgium was established with 100% private capital by a law of 5 May 1850 as a naamloze vennootschap (NV). It is a member of the European System of Central Banks.

The Governor of the National Bank is a member of the Governing Council, the main decision-making body of the Eurosystem, particularly as regards monetary policy; the National Bank of Belgium participates in the preparation and execution of its decisions.

Holds a master in Economic sciences and a master in IT, both from the University of Louvain (Belgium).
He coordinates the team responsible for prudential supervision on payment institutions/electronic money institutions and oversight on payment systems at the National Bank of Belgium. His team also monitors Fintech and other new trends in the European payments ecosystem, including crypto-assets and central bank digital currencies.
Previously he was responsible for the daily management of the Center for Exchange and Clearing (CEC), the Belgian Automated Clearing House (ACH), of which he was Chairman for several years. He held the Single Euro Payments Area (SEPA) Program Office in Belgium during the migration period to SEPA.
Currently, he participates as a member in the following international fora:
• Member of the “Standing Group on Payment Services” of the European Banking Authority.
• Member of the “Market Infrastructures and Payments Committee” (MIPC) of the European System of Central Banks (ESCB/European Central Bank).
• Member of the “Commission Expert group on Payments” CEGBPI of the European Commission.
Has been on several missions throughout the world for assessing retail payment systems in upcoming economies.
Published and contributed to various publications on payments business in the “Banking- and Finance bulletin” of the Belgian Financial Forum, the Economic Review and the Financial Market Infrastructures report of the National Bank of Belgium.

BIO HASSIS HEINRICH

Heinrich Haasis (* April 21, 1945 in Streichen near Balingen) is a German CDU politician and was President of the German Savings Banks and Giro Association from 2006 to 2012.
After grammar school and commercial college, Haasis trained for the higher Baden-Württemberg administrative service, which he completed in 1968 with the state examination for Diplom-Verwaltungswirt (FH). From 1968 to 1971, he worked for the municipal administrations in Nürtingen and Hechingen.
In September 1991, Heinrich Haasis was elected President of the Württemberg Savings Banks and Giro Association by the Association Assembly. He was confirmed in this office in 1998. The Württemberg and Baden Savings Banks and Giro Associations merged to form the Savings Banks Association of Baden-Württemberg (SVBW) effective January 1, 2001. From the time of the merger until April 30, 2006, Haasis was Chairman (President) of the SVBW.
Successes during his term of office included the takeover of the previously state-owned Baden and Württemberg Gebäudebrandversicherungsanstalten by the Savings Banks Finance Group in 1994, the merger to form Landesbank Baden-Württemberg in 1999 and the merger of the two savings banks associations in Baden-Württemberg. From October 1999, Haasis was First Vice President and Chairman of the Conference of Association Presidents of the German Savings Banks and Giro Association (DSGV).
On December 1, 2005, Haasis was elected by the Association Assembly to succeed Dietrich H. Hoppenstedt as President of the German Savings Banks and Giro Association (DSGV) with effect from May 1, 2006.

Prieto, who has served as vice-president of corporate business and construction, is an expert in the banking business, and has a track record of more than 20 years in the organization where he has successfully held various positions.

Dominique Goursolle, née Nouhaud, has spent most of her career at the head of the Périgueux urban transport company (Péribus) and the family transport company Gonthier-Nouhaud, and is a former vice-president of the CESER Nouvelle-Aquitaine and of the Urssaf Aquitaine. She has been involved in the cooperative life of the Caisses d’Epargne since 1999. She has been Chairman of the Orientation and Supervisory Board of the Caisse d’Epargne Aquitaine Poitou-Charentes since 2017.

BIO BIO Redouane Najmeddine

The Chairman of the Board of Directors of Al Barid Bank, Redouane Najmeddine, has been re-elected for a second successive term as Executive Chairman of the Africa Regional Group of the World Savings and Retail Banking Institute (WSBI), according to a press release issued by Al Barid Bank Group.
This consecration testifies to Al Barid Bank’s faithful commitment in defending and continuously supporting the interests and aspirations of WSBI’s African members. The WSBI Africa Regional Group comprises 36 financial institutions in 22 countries in Africa, adds the same source.
As a reminder, the WSBI is a global banking association dedicated to promoting financial inclusion, savings development and the digitalization of financial products and services; it has 100 members in 90 countries around the world (United States, Europe, Asia-Pacific and Africa).

ATTORNEY DR. GERHARD BRANDSTÄTTER
Career
Law studies at the University of Florence
Collaboration as a lawyer with Prof. Salvatore Pescatore in Rome from 1979 to 1982
Joined the law firm Brandstätter, founded by his father Dr. Josef Brandstätter, in 1982
Founding of the Brandstätter law firm in 1998 together with 5 partners
Since 1982 member of the supervisory board in various commercial, industrial and financial companies
Since 1991 registered in the register of auditors
President of the Board of Directors of the Investment Bank Trentino-South Tyrol from 1991 to 2003
Honorary Consul of the Federal Republic of Germany for the Trentino-Alto Adige Region since 1999
President of the Board of Directors of the South Tyrolean Savings Bank Foundation in the years 2003 to 2012.
Since 2014 Member of the Board of Directors and of the Executive Committee of the Italian Banking Association ABI
Since 2014 President of the Board of Directors of Südtiroler Sparkasse
Since 2016 Member of the Board of Directors of the Deposit Insurance Fund (FITD) in Rome
Since 2018 Vice President of the Italian Savings Banks Association (ACRI) in Rome

Madame Ewa Andersen holds a Bachelor of Laws and has previously been CEO of Virserums Sparbank (2006-2012) and Högsby Sparbank (2012-2014). Since April 2014, Ewa has been Deputy CEO of the National Association of Savings Banks and became Acting CEO in February 2016.
Ewa shares the savings banks’ values and sees this as a basic prerequisite in her work. In recent years, she has worked on everything from revising all our agreements with Swedbank, creating understanding among authorities and partners about why the investigation proposal for a total commission ban in the savings area is harmful to customers with smaller investment assets and how the digital development affects our way of working towards our 2 million customers, says Erik Hägglöv, Chairman of the National Association of Savings Banks (Sparbankernas Riksförbund).
Ewa has a long banking experience as a bank lawyer, private advisor, business advisor, and CEO. During the period 2008-to 2014, Ewa was a member of the Board of Directors of the National Association of Savings Banks and Sparbankernas Service AB. In addition, Ewa has participated in the Board since 2014 as Deputy and Vice President. She has also been a member of the consultation group between the Savings Banks and Swedbank since 2011.

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