Retail Banking in Europe

Francois Villeroy

Member of the Executive Committee and Head of French Retail Bank, BNP Paribas

Biography

Born on February 24th, 1959

Married, 5 children

Member of the executive committee of BNP PARIBAS and Head of French Retail Banking

Career :

Since September 2008

Head of French Retail Banking (BNP Paribas Group)

2003 - 2008

Chief executive officer of CETELEM - PERSONAL FINANCE (BNP Paribas Group)

1984 to 2003

French Treasury - of which negotiation on the euro (1990-1997)

Mats Torstendahl

Executive Vice President, Head of Retail Banking, SEB

Biography

Born 1961; SEB employee since 1 January 2009. M. Sc. (Engineering Physics).
Executive Vice President , Head of Retail Banking since January 2009.

Background: Started his career at ABB in 1985. In 1987 he moved to Östgöta Enskilda Bank, where he was i.a. branch manager in Stockholm 1996-2000. Appointed Executive Vice President of Danske Bank in Sweden in 2001. Senior Executive Vice President of Danske Bank Sweden and member of Danske Bank Group Executive Committee since 2004.

Raffaele Cicala

Chief Executive Officer, UniCredit Family Financing

Biography

Raffaele Cicala joined UniCredit Group in 2006. He is now head of UniCredit Group Household Financing Division with Subsidiaries and Divisions in six European countries and CEO of UniCredit Family Financing Bank, managing Group financing activity to Individuals/Families for both Group Retail Networks and for other non banking channels, of about 100 bn € assets. He previously worked four years in Procter & Gamble, where he was Group Manager in Italy and at The Boston Consulting Group (BCG) for sixteen years. In BCG he worked in Consumer Good & Retail and in Financial Services in France, Italy and CEE. While at BCG, Raffaele Cicala set up and developed BCG offices in Warsaw, Prague and Rome and has been Vice President & Director and Partner of The Boston Consulting Group Inc. and CEO of BCG in Warsaw.

Harri Lauslahti

Managing Director, Tapiola Bank

Biography

Summary

Harri Lauslahti MSc (Economics & Business Administration) has over 20 years of experience in responsible leadership positions in retail, corporate and investment banking, last 7 years as Managing Director. Numerous positions of trust in the banking insurance and investment sector.

Work experience

• Tapiola Bank Ltd, Managing Director
• Svenska Handelsbanken Finland, SVP, Head of Regional Markets
• Svenska Handelsbanken Finland, SVP, Regional Area Manager
• Svenska Handelsbanken, Branch Manager
• Union Bank of Finland, Branch Manager
• Union Bank of Finland, Business Controller

Positions of trust

• Board member, Tapiola Rahastoyhtiö Ltd
• Board member, Tapiola Omaisuudenhoitoyhtö Oy Ltd
• Board member, Ab Compass Card Oy Ltd
• Board member, Mutual Insurance company Turva
• Board member, Tapiola Asset Management Ltd
• Chairman of the board, Tutor Invest Oy Ltd

Hans-Martin Kraus

Member of the PBC Executive Committee, Deutsche Bank

Biography

Hans-Martin Kraus, Member of the PBC Executive Committee, Germany, is responsible for Deutsche Bank’s business with mass affluent clients.

Hans-Martin Kraus joined Deutsche Bank in 2000 coming from McKinsey. During his career with Deutsche Bank he held numerous positions.

After his function as Global Head of Business Management of the IT/OPS Division he took over the management of the business with modern private clients and banking products. In 2004 he was assigned Chairman of the Executive Committee of the German consumer finance business with the corresponding responsibility for sales in Germany. Furthermore he was CEO of norisbank.