The two-day conference titled "Credit risk and debt management: Managing change in consumer credit and debt behaviour" aims to provide senior credit and debt management delegates with tools and strategies to minimize losses and write-offs while maximizing collections. The conference will explore topics such as consumer behavior, regulation, communication channels, collection strategies, and credit risk management. It will include presentations from industry experts, case studies, trends, and forecasts. The event will be held in Paris on February 17-18, 2011.
Retail Banking Trends - A Critical MomentThe Stockker
Trends, Deresgulation / re-regulation, Retail Banking, Opportunities and Challenges, The 20 largest banks in the world, Top 15 Core Banking System Vendors, Top Banking Software / Vendors, Domestic Strategic Option, Cross Border Economies and Synergies.
With flickery markets, edgy economy, organizational change and the evolving regulatory landscape, the finance divisions are caught up in a fast increase in the amount of public support and changes. All this while, the need for cost cutting and delivering transparent reports stays stable. Rolta’s Financial Analytics solution CFO Impact helps you bring cost effective and sustainable transformations to financial processes and systems with the help of big data analytic technologies.
Transforming investment banks shows how an unremitting focus on transforming existing business and operating models can help banks unlock investor returns of 12% - 15%.
Read more: http://www.ey.com/investmentbanking
Swim or Sink: Essential Insights for Staying Afloat in the Banking Market PlaceCatherine Lynch
Results of a survey sponsored by SAP conducted by Pierre Audoin Conseil with global banks to highlight what innovations they are adopting to stay competitive and stay afloat.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
Retail Banking Trends - A Critical MomentThe Stockker
Trends, Deresgulation / re-regulation, Retail Banking, Opportunities and Challenges, The 20 largest banks in the world, Top 15 Core Banking System Vendors, Top Banking Software / Vendors, Domestic Strategic Option, Cross Border Economies and Synergies.
With flickery markets, edgy economy, organizational change and the evolving regulatory landscape, the finance divisions are caught up in a fast increase in the amount of public support and changes. All this while, the need for cost cutting and delivering transparent reports stays stable. Rolta’s Financial Analytics solution CFO Impact helps you bring cost effective and sustainable transformations to financial processes and systems with the help of big data analytic technologies.
Transforming investment banks shows how an unremitting focus on transforming existing business and operating models can help banks unlock investor returns of 12% - 15%.
Read more: http://www.ey.com/investmentbanking
Swim or Sink: Essential Insights for Staying Afloat in the Banking Market PlaceCatherine Lynch
Results of a survey sponsored by SAP conducted by Pierre Audoin Conseil with global banks to highlight what innovations they are adopting to stay competitive and stay afloat.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
Banking and Financial Institutions- The Latest Updates.pptxM1NXT
From the dynamic world of banking to the cutting-edge trends in dealer finance and factoring, the financial industry is experiencing a whirlwind of changes that are shaping its present and future. In this blog, we delve into the intricate web of factors influencing financial institutions, exploring the latest updates, regulatory changes, and emerging opportunities that are redefining the way we perceive and interact with finance.
Visit: https://m1nxt.blogspot.com/2023/11/banking-and-financial-institutions.html
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
The countdown has officially begun! 9 days left until the Supply Chain Finance Summit in Amsterdam (24th – 25th January). Neurosoft is a proud Gold Sponsor.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
A Framework for Detecting Macroeconomic Changes and Their Effect on a Bank's ...Cognizant
For the banking industry, we describe the relationship between changing business conditions/technologies and variances in business models - including a matrix of internal and external "fit" based on flexibility and product variety.
In partnership with Earnix, Marketforce surveyed 200 banking executives to better understand how banks' pricing structures will need to evolve in order to compete with new entrants.
Discover the key insights in this report.
CONSUMER CREDIT: A RAPIDLY CHANGING LANDSCAPEDaniel Calçada
This analysis aims to examine changes in consumer
credit business models, which have been heavily impacted by the crisis, the recent
regulatory changes and the actions taken in response by specialist consumer credit
companies in order to continue to grow their business while restoring profits to pre-
2007 levels.
Banking and Financial Institutions- The Latest Updates.pptxM1NXT
From the dynamic world of banking to the cutting-edge trends in dealer finance and factoring, the financial industry is experiencing a whirlwind of changes that are shaping its present and future. In this blog, we delve into the intricate web of factors influencing financial institutions, exploring the latest updates, regulatory changes, and emerging opportunities that are redefining the way we perceive and interact with finance.
Visit: https://m1nxt.blogspot.com/2023/11/banking-and-financial-institutions.html
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
The countdown has officially begun! 9 days left until the Supply Chain Finance Summit in Amsterdam (24th – 25th January). Neurosoft is a proud Gold Sponsor.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
A Framework for Detecting Macroeconomic Changes and Their Effect on a Bank's ...Cognizant
For the banking industry, we describe the relationship between changing business conditions/technologies and variances in business models - including a matrix of internal and external "fit" based on flexibility and product variety.
In partnership with Earnix, Marketforce surveyed 200 banking executives to better understand how banks' pricing structures will need to evolve in order to compete with new entrants.
Discover the key insights in this report.
CONSUMER CREDIT: A RAPIDLY CHANGING LANDSCAPEDaniel Calçada
This analysis aims to examine changes in consumer
credit business models, which have been heavily impacted by the crisis, the recent
regulatory changes and the actions taken in response by specialist consumer credit
companies in order to continue to grow their business while restoring profits to pre-
2007 levels.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)
Alejandro Garcia Monterde Efma conference Paris Feb 2011
1. Conference
Best practices in retail financial services
more information on www.efma.com
Credit risk and
debt management
Managing change in consumer credit and debt behaviour
Paris, 17-18 February 2011
www.efma.com/risk
2. Efma is delighted to announce this new conference. Its aim is to provide senior debt and
credit management delegates with tools, solutions and innovative "recession-proof"
strategies that will minimise losses and write-offs, whilst maximising collections from SMEs,
corporates and retail customers. The current climate gives banks an opportunity to
increase their operating efficiency whilst getting closer to their customers.
The conference topics will include:
• Consumer behaviour: It is important to understand consumer behaviour in relation to
debt, lending and collection practices. The conference will explore the following
aspects: consumption culture, stress evaluation through behavioural parameters and the
consumer-bank relationship.
• Regulation: Financial institutions need to improve social responsibility, respond to the role
of the regulator and enhance the management of loan portfolios and lending criteria.
• Communication channels: There is a need to improve customer engagement through
more effective communication, including the use of emerging and interactive channels.
Other important issues include:
• The influence of the crisis: the latest trends in risk, recovery and renewal, the future for
consumer credit, new rules and regulations, managing risk and credit growth, and
credit product pricing strategies.
• Collection strategies: the development of new pre-collection and early collection
strategies, the use of IT and tactics for tightening collections throughout the
debt lifecycle.
• Credit risk: managing and measuring risk, building longer term value and
resilience, re-engineering risk management systems and identifying and
managing potentially risky customers.
The conference will include insights into the latest industry research, ideas, case
studies, trends and forecasts. ■
Credit risk and debt management
Managing change in consumer credit
and debt behaviour
C O N F E R E N C E
www.efma.com/risk
3. Uttiyo Dasgupta
Regional Head of Retail Risk
HSBC Bank
United Kingdom
Global risk, recovery and renewal: are we there yet?
- The latest economic update
- Building regulation to drive further transparency
- Lending and social responsibility for financial institutions
- Implications for consumers (future credit and risk management) and further steps to take
Javier San Félix Gracia
Executive Vice President
Santander Consumer Finance
Spain
Same universe, different view: "post-crisis" economic journey of consumers
- Have we seen the best days of consumer credit?
- Maintaining your geographic product foothold
- Introducing new safety measures: the risk bible
- Strategic market positioning in a changing market
Christoforos Chatzopoulos
Director
Head of Consumer Lending
National Bank of Greece
Greece
The right technology for enhanced portfolio management and consumer
engagement strategies
- How to improve portfolio performance, reduce delinquency, FTE and other expenses
- Data quality and the use of external data to assess default risk
- Pre-emptive customer notification and minimising losses on high risk customers
- Enhanced customer service for potential high risk customers
- Using technology and automation to enable improved portfolio management
- Future innovations in responsible lending and green banking alternatives
Ayhan Akay
Consumer Loans
Risk Analysis Manager
Garanti Bank
Turkey
How to keep up with marketing: a risk manager's point of view
- Emerging channels for customer engagement
- Interactive channels which significantly leverage credit performance
- Reaching non-customers by interactive marketing through online and mobile channels
- Targeted credit offers via alternative delivery channels
- Expanding the total return on credit applications
- Additional profit through cross-selling and conversion
- New opportunities: mobility and location-based services
Mayoor Patel
Head of Legal
Unsecured Lending
Lloyds Banking Group
United Kingdom
What are the new rules and regulations for consumer credit in a
changing financial world?
- Latest regulatory update: global and local legal framework
- Status on the consumer credit directive for European banks
- Managing debt and debt recovery collection
- Who will be the winners and losers within the credit sector?
Mehmet Ali Savas
Head of Internet and
Mobile Banking Marketing
Türk Ekonomi Bankası
Turkey
Convenience and product innovation: managing risk and credit growth
through mobile branding strategies
- Are nice ideas and good business models still enough?
- Service excellence and brand positioning: an uphill struggle
- Product pricing and channel distribution
- Innovation across distribution channels: from social media to traditional methods
- Finding the right market conditions for the successful roll-out of new products
- Consumer education and responsibility: making it happen
www.efma.com/risk
Thursday 17 February 2011 Morning
Leadership beyond turbulent times
New channels as a driver for innovation in credit business
Mapping out a new debt and credit landscape
4. William DellaVedova
Head of Credit Portfolio
Optimization & Limits
Quantitative Credit Risk Strategies Unit
UniCredit Group
Italy
New lending and linking risk appetite to future business goals
- Concrete deployment of the risk appetite
- Responsible lending and coping with over-indebtedness
- How to assess risk throughout the organisation
- Developing more sustainable and lower risk lending policies
- Restructuring operations to facilitate tighter risk controls
Thursday 17 February 2011 Afternoon
Christian Eggers
Managing Director
Global Credit Products
Deutsche Bank
Germany
Is your current credit risk framework sufficient? Building longer term
value and resilience
- Establishing a comprehensive portfolio evaluation framework
- Building a distinct set of KPIs to monitor the performance of credit portfolio
profitability in the retail banking segment
- Developing a value based steering concept as a basis for risk adjusted pricing
and generating profitable new business
- Importance of deriving concrete actionables and focusing on execution
Jaidev Janardana
Senior Director
Risk Operations
Capital One
United Kingdom
Assessing and managing potentially risky customers
- The difficulty of assessing risk
- Defining "good" and "bad" customers in the current economic climate
- How to keep "good" customers and purge "bad" customers
- Helping consumers cope with dramatic changes in circumstances
- New approaches and critical triggers for intervention
Alejandro Garcia Monterde
Head of Risk Management
Capgemini Consulting
Austria
Understanding the SME sector to optimise credit decision
- Analysing the scope and resilience of the SME sector
- The centralisation and specialisation of debt collection
- Identifying division of responsibilities between front office and risk management
- Automation and small vs. larger debts
- Rule-driven processing
Credit risk modelling, measurement and management
Credit scoring and new segmentation levels
This conference will be chaired by
Jean Coumaros Matthew Sebag-Montefiore
Partner Partner
Oliver Wyman Oliver Wyman
France United Kingdom
5. Alex Oliver
Director
The Futures Company
United Kingdom
The aftermath of the "consumption culture" and engaging with a new
generation of consumers
- How have customers changed post-recession?
- How does low consumer confidence impact on spending behaviour?
- The changing face of the market
- Identifying the need for a fresh approach across the product range
- Engaging with a new generation of credit card holders
- Increasing your share of new customer acquisitions
Nick Southgate
Behavioural Economics Researcher
IPA
United Kingdom
Behavioural economics: challenging traditional thinking
- How can banks gain a closer level of confidence in consumer spending
- New ways of looking at consumer relationship with money
- How have they been affected by the economic crisis
- Brand equity and reputation: measuring, monitoring and pinpointing changes needed
- Pinpointing how consumer attitudes have changed
- Spending profiles and attitudes to banks
- How should banks respond? Ways of restoring consumer confidence
Hendrik Bremer
Partner
Roland Berger
Strategy Consultants
Austria
Debt collection in times of crisis
- Recent debt portfolio quality developments and future outlook
- Organisational set up and capacity of collection departments
- Collection procedures in different organisations
- Outsourcing collection and debt sales
- Performance measurement and incentive systems
- Key success factors
Friday 18 February 2011 Morning
George Konstantinidis
CEO
Exodus
Greece
Optimisation of the collection process through a Group Blueprint
approach
- Customer segmentation in different regions
- Integrating new technology within existing systems
- Measuring performance and incentives for debt recovery
- Bridging cross-region needs under a common collection framework
- Fast adaptation in groups’ strategies / Fast results in Debt Collection
The changing face of the financial behaviour of consumers
Regional focus in debt management
Debt innovation, ef ficiencies and consumer behaviour
Janice Horan
Senior Director
Pre-Sales EMEA
FICO
United Kingdom
Recession as a driver for a customer-centric management: the new risk
paradigm as the "new normal"
- Long-term unemployment impacting loss potential despite current economic recoveries
- Customers more cautious, using less credit, diminishing profit potential
- Regulation forcing focus on affordability and fairness
- Planning for organic growth in risk portfolios
- The difference between success and failure: integrated, customer-centric management
- New banking entrants and competition across channels, CRM systems
- Where to next?
Gail Wessels
Director
Business Support & Recoveries
Barclays Bank
Spain
The accidental property manager: challenges in managing risk and the
consequences of the property crisis in Spain
- Getting to the roots of the credit crisis and managing it at micro level
- Coping with losses: some lessons learnt
- Emerging consumer relationships in the corporate sector
- Looking forwards: penalties for irresponsible credit practices
- Lessons learnt from the national credit act of South Africa
6. Michele Bonollo
Head of IT Risk Mgt Department
Banco Popolare
Italy
Credit risk and financial crisis: from the theory to survival strategy
- The credit crunch: myths & real world data
- Why credit risk models fail?
- Risk manager or .. report writer?
- Risk appetites: from theory to practice
- The stress testing approach: from "second best" to best practice
- Real time stress testing application: architecture and functions
Helge Böschenbröker
Director
zeb/rolfes.schierenbeck.associates
Germany
Helping customers to avoid delinquency through better
customer management
- Debt and delinquency: whose fault?
- Early warning systems and subsequent default for customers at risk
- The bank’s role in default and new strategies required
- Pre-delinquent collections: an important and underdeveloped skill
- Developing good customer relationships
- Turning debt problems into opportunities and where to draw the line
www.efma.com/risk
Friday 18 February 2011 Afternoon
Amy Kirk
Risk & Change Management Executive
United Kingdom
Transformation lessons : a practical case study in collections change
management
- How are transformation initiatives born? Making the case for change.
- Proving value when the historical measurement system is flawed
- Practical tips for implementing change in an evolving regulatory landscape and
changing corporate culture
- Getting buy-in from key stakeholders in a large matrix organisation and how to
identify the unseen risks that can kill a change program
- The forces that can't be underestimated in a collections initiative
Re-engineering collections to reduce defaults and worst case scenarios
7. www.efma.com/risk
8:15 Welcome coffee
9:00 Alex Oliver The Futures Company
9:30 Janice Horan FICO
10:00 Nick Southgate IPA
10:30 Panel session
10:50 Break
11:20
Hendrik Bremer
Roland Berger Strategy Consultants
11:50 George Konstantinidis Exodus
12:20 Gail Wessels Barclays Bank
12:50 Panel session
13:10 Lunch
14:30 Amy Kirk
15:00 Michele Bonollo Banco Popolare
15:30 Helge Böschenbröker zeb/
16:00 Panel session
16:15 Refreshments
16:45 End of conference
S C H E D U L E
Friday 18 February 2011Thursday 17 February 2011
8:15 Welcome coffee & registration
9:00 Uttiyo Dasgupta HSBC Bank
9:30
Javier San Félix Gracia
Santander Consumer Finance
10:00 Mayoor Patel Lloyds Banking Group
10:30 Panel session
10:50 Break
11:20 Mehmet Ali Savas TEB
11:50 Christoforos Chatzopoulos NBG
12:20 Ayhan Akay Garanti Bank
12:50 Panel session
13:10 Lunch
14:30 Christian Eggers Deutsche Bank
15:00 William DellaVedova UniCredit Group
15:30 Panel session
15:45 Break
16:15 Jaidev Janardana Capital One
16:45
Alejandro Garcia Monterde
Capgemini Consulting
17:15 Panel session
17:30 End of day one
8. Dates
The conference will begin with a welcome coffee on Thursday 17 February
2011 at 8:15 a.m. and will end on Friday 18 February 2011
around 5:00 p.m.
Location
Concorde Opéra Paris, 108 rue Saint Lazare, 75008 Paris, France.
Tel: +33 1 40 08 44 44 - Fax: +33 1 40 08 43 03
operaparis.oncorde-hotels.com/en
Languages
The sessions and debates will be conducted in English and French.
Accommodation
Each participant must pay the cost of his or her accommodation directly to
the hotel before departure. Rooms have been provisionally reserved for the
nights of 16 and 17 February at the Concorde Opéra Paris Hotel. The cost
of a single room per night will be 180 euros, and 190 euros for a double
room (including breakfast). Once you have registered and received a
confirmation from Efma, an accommodation form will be available for
download on www.efma.com/myregistrations, your personal space on our
website. To book your room, please complete and return this form to the
hotel (to Ms Emeline Mesnard, fax: +33 1 40 08 43 03, email:
emesnard@concorde-hotels.com) before Friday 14 January 2011. After
this date the hotel cannot guarantee either room availability or prices. The
hotel will automatically bill unoccupied rooms or late cancellations.
Registration
The registration fee covers participation in the conference, documents,
lunches and coffee breaks. Registration fees must be paid in full prior to
the event. Efma reserves the right to refuse entry to any delegate who has
not paid his or her invoice prior to the event. We welcome late-bookers,
but credit card information must be provided.
Cancellations
All cancellations must be received in writing. A 20% cancellation fee will
be charged for all cancellations received before Thursday 3 February
2011. The full fee will be charged for cancellations made after that date,
as well as for delegates who are unable to attend on the day, unless a
substitute delegate is designated. Substitutions are accepted at any time.
Payment
❏ By bank transfer to Efma Sarl bank account
IBAN: FR 76 3000 7999 9904 2252 7800 001
BIC: CCBPFRPP
Natixis, FE3 - Unité 3B/747 BP 4, F- 75060 Paris Cedex 2.
❏ By credit card: ❏ MasterCard ❏ Visa ❏ American Express
Card n°
Expiry date
Registration fee
All registrations are strictly personal.
❏ 1,600 euros + VAT 19.6 % = 1,913.60 euros for
representatives of Efma member institutions.
❏ 2,400 euros + VAT 19.6 % = 2,870.40 euros for
representatives of non-member institutions.
Date Signature
Registration form
Credit risk and debt management
Paris, 17-18 February 2011
ATTENDEE’S INFORMATION
Mrs ❏ Ms ❏ Mr. ❏ Last name . . . . . . . . . . . . . . . . . . . . . . . . . . First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Job title . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Institution. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
VAT ID number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Address. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Fax. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Assistant’s information (or person in charge of the registration)
Last name. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
PRACTICAL INFORMATION
Efma 8, rue Bayen 75017 Paris France Tel.: +33 1 47 42 52 72 Fax: +33 1 47 42 56 76 www.efma.com
APE: 8230Z - VAT ID: FR 38 313 062 788 - Efma sarl company with registered capital of EUR 15,000 - RC Paris 313 062 788
In accordance with Article 27 of the law on the processing of personal data of 6.1.78, the information which you are requested to provide is necessary
to enable us to process your registration and is intended for Efma’s services. You may access this information and request that it be rectified if necessary.