Statutory Bodies

WSBI
- WSBI
  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 which is all about building resilience of vulnerable people: provided more than 7 million women, youth and farmers worldwide with inclusive financial and nonfinancial services since 2008.
  
  ABOUT WSBI
  
  MEMBERS
  
  MEMBER BENEFITS
  
  STATUTORY BODIES
  
  OUR TEAM
  
  CAREERS
  
  Scale2Save
ESBG
- ESBG
  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.
  
  ABOUT ESBG
  
  MEMBERS
  
  MEMBER BENEFITS
  
  STATUTORY BODIES
  
  OUR TEAM
  
  CAREERS
  
  SPOTLIGHT
Positions
- Focus Tabs
  Focus areas
  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.
  
  SUSTAINABLE FINANCE
  CONSUMER FINANCE AND PROTECTION
  ANTI MONEY LAUNDERING
  PRUDENTIAL, SUPERVISION AND RESOLUTION
  CAPITAL MARKETS REGULATION
  EUROPEAN SOCIAL DIALOGUE
  AUDITING, ACCOUNTING AND REPORTING
  DIGITAL FINANCE AND INNOVATION
  PAYMENTS
  
  Sustainable Finance
  
  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
  
  Anti Money Laundering
  
  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
  
  European Social Dialogue
  
  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.
  
  Payments
  
  Payments: steady, safe, sovereign
Newsroom
- News Scroller
  News
  Latest news from The World Savings and Retail Banking Institute and The European Savings and Retail Banking Group
  
  Reflecting on the 1st joint meeting of the Marketing and Communications Network and the High-Level Group on Digitalization and Innovation in Barcelona!
  On 18-19 April 2024, the Marketing and Communications Network (MCN) and the High-Level Group on…
  Read More
  
  WSBI’s Social and Philanthropic Council unveils Bangkok Declaration
  The recently created Social and Philanthropic Council has issued the Bangkok Declaration, a…
  Read More
Events
Publications
- Financial News&Views Download
MEMBERS AREA
World Congress
SDG IMPACT

ESBG

Dominique Goursolle-NouhaudESBG President

FranceFédération nationale des Caisses d'Epargne

Isidro FainéESBG Vice President

SpainLa CaixaFoundation

Prof. Dr. Ulrich ReuterESBG Vice President

GermanyGerman Savings Banks Association(DSGV)

Jens HenrikssonESBG Vice President

SwedenSwedbank

Stefanie Christina HuberESBG Vice President

AustriaAustrian Savings Bank Association

Gerhard BrandstätterESBG Vice President and Treasurer

ItalyCassa di Risparmio di Bolzano SpA.

Austria

Stefanie Christina HuberÖsterreichischer Sparkassenverband (Austrian Savings Banks Assocation)

Franz Portisch(Alternate member)Österreichischer Sparkassenverband (Austrian Savings Banks Assocation)

Belgium

Peter DevliesArgenta Spaarbank n.v.

Fons Borginon(Alternate member)Coordination of the Belgian Savings and Network Banks

Czech Republic

Petr MasekÇeska Spořitelna

Denmark

Jan KondrupLokale Pengeinstitutter

Jakob Legård Jakobsen (Alternate member)Lokale Pengeinstitutter

Finland

Karri AlameriSäästöpankkiliitto (Finnish Savings Banks Association)

France

Dominique Goursolle-NouhaudFederation Nationale des Caisses d'Epargne

Nicolas Namias(Alternate member)Groupe BPCE

Germany

Prof. Dr. Ulrich Reuter Deutscher Sparkassen und Giroverband

Karolin Schriever(Alternate member)Deutscher Sparkassen und Giroverband

Hungary

László BencsikOTP Bank Nyrt.

Italy

Gerhard BrandstätterCassa di Risparmio di Balzano S.p.A

Ghisolfi Giuseppe(Alternate member)Associazione di Fondazioni e di Casse di Risparmio S.p.A

Luxembourg

Joseph DelhayeSpuerkeess

Françoise Thoma(Alternate member)Spuerkeess

Netherlands

Martijn GribnauDe Volksbank

Norway

Geir BergskaugSparebanken SØR

Therese Riiser(Alternate member)Finance Norway

Portugal

Pedro LeitãoBanco Montepio

Spain

Isidro FainéLa Caixa Foundation

José María Méndez Álvarez-Cedrón(Alternate member)Ceca

Sweden

Jens HenrikssonSwedbank

Björn Elfstrand(Alternate member)The Swedish Savingsbank Association

Antonio Jesús Romero MoraChairman at the Coordination Committee

SpainCeca Bank

Joan RosásRepresentative of WSBI Board for International Relations

SpainCAIXABANK

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The World Savings and Retail Banking Institute

The European Savings and Retail Banking Group

Focus areas

Sustainable Finance

Consumer Finance

Anti Money Laundering

Prudential, Supervision and Resolution

Capital Markets Regulation

European Social Dialogue

Auditing, Accounting and Reporting

Digital Finance and Innovation

Payments

News

Reflecting on the 1st joint meeting of the Marketing and Communications Network and the High-Level Group on Digitalization and Innovation in Barcelona!

WSBI’s Social and Philanthropic Council unveils Bangkok Declaration

The World Savings and Retail Banking Institute

The European Savings and Retail Banking Group

Focus areas

Sustainable Finance

Consumer Finance

Anti Money Laundering

Prudential, Supervision and Resolution

Capital Markets Regulation

European Social Dialogue

Auditing, Accounting and Reporting

Digital Finance and Innovation

Payments

News

Reflecting on the 1st joint meeting of the Marketing and Communications Network and the High-Level Group on Digitalization and Innovation in Barcelona!

WSBI’s Social and Philanthropic Council unveils Bangkok Declaration

Statutory Bodies

Get in touch

WSBI

ESBG

Together

Members Area

Take urgent action to combat climate change and its impacts

WSBI-ESBG members contributed to combat climate changes:

US$ 51 billion

of green bonds were issued.

US$ 64 million

was invested in philanthropic support for the environment including biodiversity protection, eco-friendly mobility solutions, and green campaigns.

A variety of climate insurances and loans for renewable energy

are offered to their customers.

Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all

WSBI-ESBG members contributed actively to quality education of their customers:

US$ 469 million

was invested in philanthropic support for the education sector including skillset-building, financial education, school visits and stationery.

US$ 4 billion

of outstanding loans for scholarships, in addition to numerous savings plans dedicated to education are currently offered.

Almost 30 %

of the members offer financial education programs for their customers.

Ensure healthy lives and promote well-being for all at all ages

WSBI-ESBG members contributed directly to health improvement and well-being of their customers:

US$ 154 million

was invested in philanthropic support for the health sector including hospitals and (mobile) clinics, medical equipment, vaccinations, and health campaigns.

A wide range of health insurances and loans for health or medical purposes

are offered, reducing significantly the financial barriers to healthcare services.

Strengthen the means of implementation and revitalize global partnerships for sustainable development

In October 2023, WSBI-ESBG formed a strategic alliance with the

Women Entrepreneur Finance Initiative

housed by the World Bank, further bolstering our commitment to inclusivity and diversity.

WSBI’s Development Finance Unit Scale2Save

works with development finance institutions to access international financing flows and with grant giving institutions to catalyse grant financing that supports the development of gender and climate smart solutions for greater impact at members.

Reduce inequality within and among countries

WSBI-ESBG members contributed to reducing inequalities by serving youth and rural population:

36 %

of their customers on average are 18 to 34 years old

66 %

of their customers on average, are residing in rural areas.

Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation

WSBI-ESBG members contributed to enhance the access of their customers to financial services:

88 %

of their network contact points are comprised of mobile banking and financial services agents and Point of Sales (POS) reaching last mile customers

Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all

WSBI-ESBG members contributed to the development of the local economy:

1,4 billion

customers are represented by the global WSBI-ESBG network.

US$ 13,5 trillion

in assets are valued by the members.

President of Deutscher Sparkassen –
und Giroverband (German Savings Banks Association (DSGV)

ACRI, Italy

Chairman of the Management Board, Groupe BPCE, France