| 9.00-10.00 | Opening Session HOST COUNTRY PRESENTATION SPEAKERS - José Antonio Olavarrieta, Outgoing WSBI President (pdf)
- Anass Alami, Managing Director, Caisse de Dépôt et de Gestion (CDG) (Morocco) (pdf)
- Amine Benjelloun Touimi, Managing Director, Poste Maroc (Morocco)
- Nizar Baraka, Minister of Economy and Finance (Morocco)
- Joaquin Almunia, European Commissioner (pdf)
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| 10.30-12.00 | PLENARY SESSION 1
The retail bank: rock solid and right around the corner Retail banking is probably the simplest form of banking. All you need to do is convince savers to deposit money in your bank and lend it to borrowers at a higher rate. As long as the savers trust the bank, the borrowers pay their loans back, and the bank doesn’t try to shoot for the moon, the system can work forever. Or can it? Recent events have shown that sometimes savers panic and rush for the exits, gutting a bank’s liquidity and taking it down; borrowers can go on shopping sprees and become unable to pay their loans back, wreaking major havoc; and banks sometimes do indeed aim for unrealistic profits. To avoid all this from happening (again), regulators have dreamt up a regulatory package that will be hard for banks to swallow, even for institutions with the human and financial resources to cope with a regulatory burden. Will a banking sector that has contributed for decades to a safer and more diversified financial sector be brought down by the combination of financial crises and the regulatory responses to them? SPEAKER MODERATOR - José Antonio Olavarrieta, Outgoing WSBI President
PANEL - Abdellatif Jouahri, Governor of Bank Al Maghrib (Central Bank of Morocco)
- Anass Houir Alami, Managing Director, Caisse de Dépôt et de Gestion (CDG) (Morocco)
- Amine Benjelloun Touimi, Managing Director, Al Barid Bank/Poste Maroc (Morocco)
- Giovanni Manghetti, Chairman, Cassa di Risparmio di Volterra Spa (Italy)
- José-Maria Mendéz, Director General, Spanish Savings Banks Association (CECA)
- Helmut Schleweis, Chairman of the Board, Sparkasse Heidelberg (Germany)
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| 13.30-14.30 | KEYNOTE SPEAKER - Kjell A. Nordström, Economist and Writer
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| 14.30 - 16.00 | WORKSHOP 1
The best of both worlds: customer protection and profitability In the post-financial crisis world, protecting savers, investors and borrowers is paramount, but can regulation really achieve it? Can it do so without hindering the banking business? What regulation exists, is it efficient, and can banks comply with it and prosper? Where is the thin line between providing information and conducting a sales pitch? How can we adapt the product to each client’s specific situation, needs, risks and aspirations? And what’s the emergency number to dial when accidents happen? MODERATOR - Joseph Delhaye, Senior Vice-President BCEE (Luxembourg)
PANEL - Abderrahim Bouazza, Director of Banking Supervision, Bank Al Maghrib (Central Bank of Morocco)
- Adam Farkas, Executive Director, European Banking Authority
- Karl-Peter Schackmann-Fallis, Executive Member of the Board, German Savings Banks Association (DSGV)
- Antonique Koning, CGAP (Consultative Group to Assist the Poor)
- Stephen Mukweli, Managing Director, Postbank Uganda
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| | WORKSHOP 2
Diaspora banking: tapping into a global economic force They may be minorities in their adopted countries, but diasporas are a global economic force. They must be considered more than “migrants”. They must be served. How? By treating them as a unique client segment. It’s not just about remittances but about leveraging them; it’s about diaspora bonds, development back home and quality of life in the adopted home. Let’s get creative and zero in on the unique banking needs and potential of diasporas.
CASE STUDY
Securitisation of remittances as guarantee for diaspora bond investments
- Armando Rosales, President, Fedecrédito (El Salvador)
CASE STUDY
Breaking the migratory cycle of the remittances-based credit recipients in the home country - Fernando Peña, Executive President, Banrural (Guatemala)
PANEL DISCUSSION
Leveraging remittances for development MODERATOR - Robert Meins, Remittances Specialist, IFAD (International Fund for Agricultural Development)
PANEL - Driss El Yazami, Chairman of the Council of the Moroccan Community Abroad
- M’hamed El Moussaoui, Board Member, Al Barid Bank (Morocco)
- Amwed Jethu, CEO, SovXCapital
- Leon Isaacs, Managing Director, International Association of Money Transfer Networks; CEO, Developing Markets Associates Limited (UK)
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| | WORKSHOP 3
Fuel for the real economy: access to finance for SMEs Small and medium-sized enterprises (SMEs) are a key source of economic growth, dynamism and diversity. Providing them sufficient financial support is a challenge for both governments and financial service providers. What is the current status of access to finance for SMEs on different continents? What are the impediments? What policy initiatives have been taken at the global, national, and regional levels, and what can banks do to bridge the access gap?
SPEAKER
- Richard Werner, Professor, Southampton School of Management (UK)
MODERATOR - Gert Wehinger, Senior Economist, OECD
PANEL - Latifa Echihabi, Managing Director, ANPME (Morocco)
- Ali Bensouda, CEO, Caisse Marocaine des Marchés (Morocco)
- El Hadi Chaibainou, Managing Director, Groupement Professionnel des Banques du Maroc (Morocco)
- Richard Werner, Professor, Southampton School of Management (UK)
- Andrew McCartney, Senior SME Banking Specialist, International Finance Corporation
- Filipe Teixeira, Strategic Marketing Director, Caixa Geral de Depósitos (Portugal)
- Rym Ayadi, Senior Research Fellow, Centre for European Policy Studies
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| 16.30 - 18.00 | PLENARY SESSION 2 Keeping pace with the customer in the digital age
At last, the customer is in the driver’s seat: he uses technology for his own purposes and determines the level of trust and security he requires. Think of the millions of transactions carried out every day between perfect strangers on auction and social networking sites, and of the amazing innovations in payments these have spurred. But where are the banks? Most of the recent innovations came from outside the financial sector. Time thus to peer over the hedge and see how our neighbouring sectors are keeping up with a mobile, digital customer who increasingly applies to retail bankers the same expectations he has for providers of consumer appliances, apparel, travel or almost any other product. SPEAKER - Kjell A. Nordström, Economist and Writer
PANEL - Fouad Zaidi, Business Development Director, Poste Maroc (Morocco)
- Charles Martinson, General Manager, HFC Bank Ghana
- Kjell A. Nordström, Economist and Writer
- Augustin Marquez, Deputy General Manager, CECA
- Nyambura Koigi, Managing Director, Kenya Post Office Savings Bank
- Dominique Pinoche, FIDEM Consulting (France)
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