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www.efma.com/mortgage

MORTGAGE LENDING

EFMA CREDIT AND SAVINGS SUMMIT

A brave new outlook for the housing market New rules, business models and challenges in a post-crisis context Mortgage lending still plays a key role in the economies of countries worldwide. However, it also poses some strong challenges, which have been emphasised by the financial and sovereign debt crisis. This was caused by factors such as risky and short-term mortgage credit contracts, as well as securisation. The aftermath of the crisis has shown that the level of mortgage lending not only affects individual households and banks but also the stability of the whole financial system (and housing finance in particular). As part of its two-day Credit and Savings event, Efma is delighted to be holding a special conference focusing on mortgage lending.

Key questions

 ew models: what are the most effective post-crisis models to N have emerged in both European and non-European countries?  ortgage credit directive: how will the new regulations affect M mortgage lenders and product diversity? How can lenders anticipate and prepare for the forthcoming changes?  ustomer expectations: how can mortgage lenders meet C customer needs through new distribution channels and the customisation of processes and products?

TUESDAY 3 JUNE MORNING PLENARY SESSION Javier San Félix García Global Head Retail & Commercial Banking Driving profitability in a post-crisis world Santander Spain Alain Breuils Deputy CEO Development, Strategy & Communication CA Consumer Finance France

Main credit and savings issues in a context of liquidity crisis

Ekaterina Petelina Deputy President, Management Board Chairman The Russian retail banking market: hitting the ceiling of easy growth VTB 24 Russian Federation

ROUNDTABLE DISCUSSION CaixaBank, Wonga and Ezbob

Big Data in consumer finance

TUESDAY 3 JUNE AFTERNOON The new economic and regulatory framework

Wim Flikweert Manager Mktg. Mortgages, Strategy & Innovation ING Bank Netherlands

Re-inventing ourselves after the crisis and the impact…

Andrew Cormack SVP Risk & Technical Director Genworth Financial UK

Managing the return to controlled growth: the role of mortgage insurance and mortgage guarantees

Christian König Head of Legal Affairs Verband der Privaten Bausparkassen Germany

National implementation of the EU mortgage credit directive

Facing post crisis challenges

Pedro Appleton Figueira Marketing VP BES Portugal

Managing mortgage loans in a hard environment

Sigurður Erlingsson CEO Housing Financing Fund Iceland

How the most comprehensive mortgage debt reduction scheme will affect all indebted households in Iceland?

3–4 June 2014 Barcelona


www.efma.com/mortgage

MORTGAGE LENDING

EFMA CREDIT AND SAVINGS SUMMIT

WEDNESDAY 4 JUNE MORNING Risk and debt management

Christian Michalek Head of CEE Credit Risk Retail UniCredit Austria

Post delinquency management in retail

Gail Wessels Business Support & Recoveries Barclays Bank Spain

Can debt sales be a panacea for the pain?

Eddie Humphreys Head of Mortgage Product Reinvention AIB Mortgages Ireland

AIB eMortgages: our digital agenda

Customer strategy and process innovation

Driss Maghraoui Head of Distribution, Products & Markets Retail & Business Banking Attijariwafa Bank Morocco

Business models and opportunities in the mortgage loans market: experience and vision of a major African player

Anna Giordano Head of Mortgage Portfolio Management UniCredit Italy

How to meet the mortgage market challenge: the new customer-centric strategy at UniCredit

Gokhan Koca Head of Product & Business Development Garanti Mortgage Turkey

Mortgages by phone

WEDNESDAY 4 JUNE AFTERNOON Developing new approaches and models

Murat Aysan CEO DD Mortgage Turkey

Main post-crisis issues in the Turkish mortgage market

Bartłomiej Wasiuk Head of Affluent Banking PKO Bank Polski Poland

PKO’s ultimate distribution strategy: the key success factors

Emerging Markets

Philippe El Hajj Deputy General Manager, Head of Retail & Branch Network Fransabank Lebanon

Mortgage Loans, a social concern

REGISTER FOR THIS EVENT @ www.efma.com/mortgage

3–4 June 2014 Barcelona

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