Retail Banking in Europe

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.

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.

 

Jean-Paul Betbeze

Chief Economist, Credit Agricole

Biography

Chief Economist and Head of Economic Research, Member of the Crédit Agricole SA Executive Committee

- Professor, University of Paris, Panthéon-Assas,

- Member of the Prime Minister’s Economic Analysis Council,

- Chairman, Late Payment Intelligence Unit("Observatoire des délais de paiement"),

- Secretary to the Board, Foundation for World Agriculture and Rural Affairs (FARM),

- Member of Strategic Council for Sustainable Agriculture and Agri-food

- Member of the Cercle des Economistes, of ICBE (International Conference of Bank Economists), of the Scientific Committee of the Robert Schuman Foundation, the Académie du Béarn, and of COPEIAA (“Council for European and International Prospective Analysis of Agriculture and Food”).

EDUCATIONAL

- Graduate of the Ecole des Hautes Etudes Commerciales (1972),

- Post-graduate diploma in the Science of Organizations (1974),

- Doctorat d'Etat in Economics (1979),

- Supplementary Dissertation in Economics (1980),

- Agrégation des Facultés de Sciences Economiques (1984).

FORMER ACTIVITIES

- Special Advisor to the Chairman and to the Chief Executive Officer of Crédit Agricole SA (2003-2005), Head of the Crédit Lyonnais Economic and Financial Research Division (1989-2003),

- Former Chairman, Economic and Financial Affairs Commission, UNICE (Union des Confédérations de l'Industrie et des Employeurs d'Europe), SEP (Société d’Economie Politique), and AFEDE (Association Française des Economistes d'Entreprise),

- Former Secretary General, SEP (Société d’Economie Politique), and AFSE (Association Française de Science Economique)

- Professor, University of Franche-Comté (1984-1987), Senior Lecturer, Universities of Caen (1980-1983) and Amiens (1983-1984), Lecturer at the University of Paris IX Dauphine (1974-1980).

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)

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

Irmfried Schwimann

Director, "Markets and Cases III: Financial Services", European Commission

Biography

Since January 2009, Mrs Irmfried Schwimann is Director in the European Commission's Directorate General for Competition; she is responsible for antitrust, merger and state aid control in the financial services sector.

Previously, Mrs Schwimann was head of DG Competition's financial services antitrust unit (2006-2008) and head of DG Internal Market's Financial Services Policy unit (2003-2006). Mrs Schwimann also worked on retail financial services and payment issues within DG Markt (1999-2002) and was a member of Commissioner Bolkestein's Cabinet (2002-2003).

Mrs Schwimann studied law at the University of Linz/Austria as well as political science at the Institut d'Etudes Politiques in Paris.

Before joining the Commission Mrs Schwimann worked for the Austrian Ministry of Foreign Affairs (1984-1989) as well as for an Austrian Insurance group (1989-1999).

Mrs. Schwimann is married and has 3 children.