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EBA Staff Meetings with Stakeholders Summary

Core Content

This document outlines a series of meetings held by the European Banking Authority (EBA) staff members with various stakeholders between July and September 2016. The meetings covered a wide range of topics related to financial regulation, risk analysis, supervisory convergence, and resolution. Each meeting was organized by different EBA units or departments and involved discussions with financial institutions, consulting firms, and regulatory bodies.

Main Topics and Key Information

1. Consumer Protection, Financial Innovation and Payments

• Meeting Date: 12/07/2016

  • Organizer: Séverine Vadon-David - Research Student
  • Stakeholder: Séverine Vadon-David
  • Subject: EBA's work on Investor Protection

• Meeting Date: 11/08/2016

  • Organizer: Advantage Reply with EBA
  • Stakeholder: Frederic Gielen
  • Subject: Consumer data - uses

• Meeting Date: 23/09/2016

  • Organizer: Marieke van Berkel - ESBG
  • Stakeholder: Marieke van Berkel - ESBG
  • Subject: EBA initiatives under PSD2 and PAD, as well as on remuneration of sales staff, automated advice, and innovative uses of data

2. Legal

• Meeting Date: 27/07/2016
  • Organizer: EBA - Student Visit
  • Stakeholder: Seminar to King's College Summer School participants
  • Subject: EU financial regulation and the role of the EBA

3. Regulation

• Meeting Date: 01/07/2016

  • Organizer: Bank of England
  • Stakeholder: Stephen Bland
  • Subject: Basel

• Meeting Date: 01/07/2016

  • Organizer: Aon Benfield
  • Stakeholder: Daniel Butler
  • Subject: Standardised Approach Measurement (SMA)

• Meeting Date: 06/07/2016

  • Organizer: EBA
  • Stakeholder: Moodys
  • Subject: Infrastructure

• Meeting Date: 14/07/2016

  • Organizer: EBA
  • Stakeholder: HSBC
  • Subject: Infrastructure

• Meeting Date: 14/07/2016

  • Organizer: EBA
  • Stakeholder: Clifford Chance
  • Subject: Securitisation

• Meeting Date: 20/07/2016

  • Organizer: French Central Bank
  • Stakeholder: Baron David de Rothschild
  • Subject: Remuneration

• Meeting Date: 21/07/2016

  • Organizer: EBA
  • Stakeholder: SG CIB
  • Subject: Own Funds

• Meeting Date: 22/07/2016

  • Organizer: EBA
  • Stakeholder: ING
  • Subject: Basel proposals, IFRS, Discussion on the digital context (innovative use of consumer data and PSD II work streams)

• Meeting Date: 25/07/2016

  • Organizer: EBA
  • Stakeholder: Fitch
  • Subject: Infrastructure

• Meeting Date: 28/07/2016

  • Organizer: EACB
  • Stakeholder: Mr Herve Guider
  • Subject: Proportionality

• Meeting Date: 28/07/2016

  • Organizer: Akeance Consulting
  • Stakeholder: Tiphaine Duriez, Thibaut Malaspina
  • Subject: STS securitisations Revisions to the Standardised Approach

• Meeting Date: 29/07/2016

  • Organizer: EBA
  • Stakeholder: Fitch
  • Subject: Securitisation

• Meeting Date: 29/07/2016

  • Organizer: EBA
  • Stakeholder: Dr John-Paul Salter, Kings College London
  • Subject: Research - future work on European financial regulation

• Meeting Date: 04/08/2016

  • Organizer: EBA
  • Stakeholder: Incol funding
  • Subject: Securitisation

• Meeting Date: 16/08/2016

  • Organizer: Anna Lekston - Position paper from Invest Europe on prudential treatment of investment firms
  • Stakeholder: Phil Bartram, Travers Smith; Tim Lewis, Travers Smith; Tamasin Little, King & Wood Mallesons; Anna Lekston, Invest Europe
  • Subject: Prudential treatment of investment firms

• Meeting Date: 12/09/2016

  • Organizer: EFET, FIA Europe & CMCE
  • Stakeholder: Christiane Leuthier (FIA Europe), Karl-Peter Horstmann (EFET), Ian Mulligan (EFET), Marc Cornelius (FIA Europe), and Conor Foley (CMCE)
  • Subject: EBA work in response to the DG FISMA call for advice on the prudential requirements applicable to investment firms

• Meeting Date: 12/09/2016

  • Organizer: Christiane Leuthier | Senior Director of Commodities FIA
  • Stakeholder: Christiane Leuthier (FIA Europe), Karl-Peter Horstmann (EFET), Ian Mulligan (EFET), Marc Cornelius (FIA Europe), and Conor Foley (CMCE)
  • Subject: Prudential Requirements for commodity dealers

• Meeting Date: 16/09/2016

  • Organizer: EBA
  • Stakeholder: Credit Benchmark
  • Subject: Risks in the EU banking sector

• Meeting Date: 22/09/2016

  • Organizer: EBA
  • Stakeholder: Santander
  • Subject: Securitisation

• Meeting Date: 23/09/2016

  • Organizer: EBA
  • Stakeholder: PCS
  • Subject: Securitisation

• Meeting Date: 27/09/2016

  • Organizer: RKR-ADMB (Association of Danish Mortgage Banks)
  • Stakeholder: Jens Valdemar Krenchel
  • Subject: Covered Bonds

• Meeting Date: 29/09/2016

  • Organizer: Association of Danish Mortgage Banks
  • Stakeholder: Peter Jayaswel, Mette Saaby Pedersen
  • Subject: Securitisation

• Meeting Date: 29/09/2016

  • Organizer: Ernst & Young
  • Stakeholder: Mr Christian Lajoie, Ms Marie-Helene Fortesa
  • Subject: European regulatory developments

4. Resolution

• Meeting Date: 05/07/2016

  • Organizer: EBA
  • Stakeholder: Santander Group
  • Subject: Preliminary dialogue Resolution College for Santander Group

• Meeting Date: 21/09/2016

  • Organizer: EBA
  • Stakeholder: European Banking Federation, Tim Buenker, EBF; Mark Venus, BNP Paribas; Johanna Orth, Swedbank; Johanneke Weitjens, ING; Boudewijn Berger, ABN AMRO; Simon Hills, BBA; Luca Giannini, ABI; Davide Ferrazzi, ABBI; Thomas Lorentz, BdB; Monika Laušmanová, Czech Banking Association; Mr. Carlos Corcóstepgui, BBVA; Thomas Bischof, UBS; Severine Neervoort, Deutsche Bank
  • Subject: EBA – EBF Meeting on MREL - Discussion on participants' views on MREL market capacity, MREL disclosure and reporting requirements, and breach of MREL impact on MDA

• Meeting Date: 22/09/2016

  • Organizer: EBA
  • Stakeholder: Consumer and civil society associations: Andrea Usai, Moody's Investors Service; Alan Adkins, Fitch Ratings; Corinne Cunningham, Autonomous Research; Alex Birry, S&P Global Ratings; Pauline Lambert, Scope Ratings; Marco Di Matteo, Goldman Sachs; Sebastiano Pirro, Algebris; Signani Carlo, Mediobanca
  • Subject: Meeting with consumer and civil society associations on MREL - Discussion on participants' views on MREL market capacity, disclosure and reporting requirements

• Meeting Date: 16/08/2016

  • Organizer: Public hearing - Report on the appropriate target level basis for resolution financing arrangements
  • Stakeholder: Boudewijn Berger ABN AMRO; Charlie Bannister AFME; Oliver Moullin AFME; Nadeem Aslam BNY Mellon; Ciara Cafolla BNY Mellon; Paul Gough BNY Mellon; Lucy Bostick Bostickreg; Margherita Redaelli BPS; Thomas Lorenz Association of German Banks; Silvio Camuffo Credito Emiliano Spa; Ciara Horigan Deutsche Bank; Andre Ebner Deutsche Bundesbank; Martin Switaiski German Savings Banks Association; Stefano Marmo Kreab; Avgerinos Avramikos Lawyer; Ashleigh Collins Sabadell; Robert Hintze Single Resolution Board
  • Subject: Report on the appropriate target level basis for resolution financing arrangements

• Meeting Date: 05/09/2016

  • Organizer: Public hearing on Draft Consultation Paper on Guidelines on connected clients
  • Stakeholder: Sahir Akbar, AFME; Dee Ray, BAML; Samad Sayyed Barclays; Paul Gough BNY Mellon; Lucy Bostick Bostickreg; Jutta Rudolph, Bundesbank; Joerg Ortgies, Bundesverband deutscher Banken; Thorsten Reinicke, BVR; Warren Mockett, Credit-Suisse; Marc Berryman, Credit-Suisse; Martin Switaiski, DSGV; Thorsten Dicke-Wentrup, DSGV; Daniel Mueller, ECB; Alexandre Giraud, Eurofinas / Leaseurope; Jonathan Berryman, FIS Global; Achim Sprengard, GAR-WPG; Gordon Kemp, Goldman Sachs; Thomas Hanssen, Kommunalbanken Norge; Rafael Alarcon, Abeti Leaseurope; David McCleary; Kim Jihun, Morgan Stanley; Kristina Frykstad, Santander Group; Jonathan Barclay Smith, The Royal Bank of Scotland Plc; Olga Malovetskaya
  • Subject: Consultation Paper on Guidelines on connected clients

5. Oversight

• Meeting Date: 06/09/2016
  • Organizer: Public hearing on Guidelines on disclosure requirements under Part Eight of Regulation (EU) 575/2013
  • Stakeholder: Sylvie Larrasquet ACPR; Sahir Akbar AFME; Max Wesseling Afore Consulting; Ingmar Wulfert Association of German Banks; Rohan Wilson Avantage Reply; DeeRay BAML; Cristina Nigro Banca D'Italia; David Greenwood Bank of America Merrill Lynch; Aaron Shiret Bank of England; Alan Ball Bank of England; Greg Stump Bank of England; Enda Beirne Bank of Ireland; Bruno Mastroianni Bank of Italy; Mark Twigg Barclays; Paul Chisnall BBA; Murtaza Taherali BGC Patners LP; Philip Allen BNY Mellon; Lucy Bostick Bostick Regulatory Solutions; Pierre Vengeon BPCE; Margherita Redaelli BPS; Jimmie Thomsen BRF Kredit; Stefan Schöne Bundesverband Öffentlicher Banken Deutschlands; Simon Recker Bundesverband Öffentlicher Banken Deutschlands VÖB; Thorsten Reinicke BVR; GillMulvihill Citi; Shruti Badri Deloitte; Vishwas Khanna Deloitte; Marc Jackson Deloitte; Caroline von Linsingen Deutsche Börse Group; Birgit Faber Deutsche Bundesbank; Volker Heegemann EACB European Association of Cooperative Banks; Nikolay Domanov SWIFT; Raffaella Donnini Intesa Sanpaolo; Beth Duff Norton Rose Fulbright; Arnaud Eard Fleishman Europe; Chris Edwards Intercede; Jacob Illett FTI Consulting; Markus Escher Interest Group Credit Card; Business Germany ("IK"); Ruth Fairhurst Eversheds; Marco Fava CleverAdvice; Alexa Fernandez BBVA; Louise Fjord Danish Banskers Association; Elizabeth Fraser Payments UK; Andrea Friedrich Deutsche Bundesbank; Valeria Gallo Deloitte LLP; Paloma Garcia Afore Consulting; Artem Gasymov Kalixa Accept Ltd; Max Geerling Dutch Payments Association | Currence iDEAL B.V.; Yanitsa Georgieva eMerchantPay; Hartwig Gerhartinger Paysafe Group plc; Lukas Gratte Trustly Group; Natasha Gravenor Barclays; Rory Gray Intercede; Matthieu Griffioen PwC Advisory; Waldemar Grudzien CORE; Knut Martin Hauge PA Consulting Group; Fredrik Hedberg Tink; Philipp Horvath Austrian Federal Economic Chamber, Division Bank and Insurance; Aoife Houlihan KREAB; Tomohiro Ishikawa Deutsche Bank; Stewart James Ashfords LLP; Tim Jefferson The Human Chain; Richard Jones Eversheds; Brendan Jones Evolution Payments Consulting Limited; Tanya Juul Kjaer KLARNA; Alain Kapper Information Commissioner's Office; Silvia Kersemakers European Commission; Ronny Khan DNB ASA; Ronny Khan Independent Consultant; Daniel Kjellen Tink AB; Krzysztof Korus Prudentiz; Christian Kramer Lloyds Banking Group; Pablo Lahoz EACB; Louise Laidi BPCE; Jean Lambert Gemalto; Victoria Lloyd Optal Financial Limited; Jens Lütcke Sofort GmbH; Dimitrios Markakis Electronic Money Association; Christophe Martins Linxo; Dariusz Mazurkiewicz Polski Standard Platnosci; Scott McInnes Bird & Bird; Wendy Melvin Clydesdale Bank PLC; Kevin Middleton Clydesdale Bank; Giedre Mitkute Locke Lord LLP; Steven Modler Lufthansa AirPlus; Peter Møller Jensen Visa Europe; Monica Monaco TrustEuAffairs; Aline Mottet FBF; Kit Mountfield Deutsche Bank; Marcus Nasarek PayPal; Alexander Nash Advanced Payment Solutions; Simon Newstead VocalLink; Padraig Nolan Sovereign Strategy; Liz Oakes McKinsey; John O'Connor BOI; Kasper Sylvest Olsen Danske Bank A/S; Elisabeth Palin Nordea Bank; Rashee Pandey Bankable; Gabrielle Patrick Epiphyte; Karen Pelham Endava; Rui Pimentel Banco de Portugal; Polly Quinn Bank of America Merrill Lynch; Colum Rafferty Protectoria; John Rega MLex; Peter Regent Intercede; Nicholas Reinhardt Afore Consulting; David Rodwell Advanced Payment Solutions; Jonathan Rogers Taylor Wessing LLP; Jakob Rotte De Nederlandsche Bank; Thaar Sabri Electronic Money Association; Michael Salmon Equens SE; Georg Schardt SOFORT GmbH; Sven Schenkel ING; Bettina Schoenfeld Association of German Banks; Ulrikke Schulze DNB; Cornelia Schwertner figo GmbH; Samantha Sheen ACAMS; David Shilling JP Morgan; Whitney Simpson Eversheds LLP; Marina Solin GSMA; David Song Payments UK; Pia Sorvillo PayPal; Arun Srivastava Baker & McKenzie LLP; Mark Stanhope Stanhope Org UK; Francois Steque American Express; Martin Switaiski German Savings Banks Association (DSGV); Eric Tak ING; Larisa Tugui Nestor Nestor Diculescu Kingston Petersen; Marieke Van Berkel EACB; Edward Van Der Woerd ING; Bruno Van Haetsdaele Linxo; Laura Vanderstraeten Fleishman Europe; Robrecht Vandormael FTI Consulting; Paul Williams BitPuch; Tobias Witzel Lufthansa AirPlus; Michalis Zampetakis SmartFocus; André Zilch LSc LifeScience Consult GmbH
  • Subject: Guidelines on disclosure requirements under Part Eight of Regulation (EU) 575/2013

Summary of Key Themes

• PSD2 and PAD: The EBA discussed initiatives related to the Payment Services Directive 2 and the Payment Accounts Directive, including automated advice and innovative data use.
• Securitisation: Multiple meetings were held with stakeholders such as Fitch, Moody's, Santander, and others to discuss securitisation regulations, including STS securitisations and revisions to the Standardised Approach.
• Remuneration: Meetings with the French Central Bank, Deutsche Bank, and others focused on remuneration policies and their implications for financial institutions.
• Basel and IFRS: Discussions on Basel III and IFRS standards were held with the Bank of England, ING, and other institutions.
• MREL (Minimum Requirement for Own Funds and Eligible Liabilities): The EBA engaged with the European Banking Federation, consumer associations, and regulatory bodies to explore MREL market capacity, disclosure, and breach impacts.
• Connected Clients and Disclosure Requirements: The EBA addressed guidelines on connected clients and disclosure requirements under EU regulations.
• Risk Analysis and Stress Testing: The EBA collaborated with the Italian Banking Association and Credit Benchmark to analyze risks and conduct stress testing in the EU banking sector.
• Supervisory Convergence: Meetings with Deloitte and others focused on the EBA report on supervisory convergence and IT risk management.

These meetings reflect the EBA's active engagement with various stakeholders to ensure alignment with EU financial regulations, promote regulatory convergence, and address key challenges in the financial sector.