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Banking model diversity in the Banking Union: added value and challenges

Day 3 Morning

Friday 25 February

Room :

NORMANDIE (-1 floor)


Sébastien Raspiller
Assistant Secretary - Ministry of the Economy, Finance and the Recovery Plan, France - Direction Générale du Trésor
Public Authorities
Per Callesen
Governor - Danmarks Nationalbank
Edouard Fernandez-Bollo
Member of the Supervisory Board - European Central Bank (ECB)
François-Louis Michaud
Executive Director - European Banking Authority (EBA)
Giuseppe Siani
Head of the Directorate General for Financial Supervision and Regulation - Banca d'Italia
Joachim Wuermeling
Member of the Executive Board - Deutsche Bundesbank
Industry Representatives
Jacques Beyssade
Secretary General - Groupe BPCE
Karl-Peter Schackmann-Fallis
Executive Member of the Board - Deutscher Sparkassen- und Giroverband (DSGV)

Objectives of the roundtable

The essence of banking lies in assessing, balancing, and managing risks and benefits. As different types of risk/reward are needed to satisfy different types of customer needs, there is place for different types of banks. A business model can be seen as the sum of the systems, mechanisms and methods through which a bank generates earnings and satisfies its stakeholders in a way that ensures it continues its business.

The session will first discuss what is at stake concerning the sustainability of banking model diversity within the euro area, notably the appropriate level of profitability according to the different business models. Then speakers will be invited to express their views on the actual impacts of EU regulation and supervision on the different banking models and the EU priorities needed to achieve the most appropriate banking structure in the Banking Union.

Points of discussion

  1. Sustainability of banking business models: what is at stake, what are the related challenges in the current economic, monetary and competitive environment?
  2. What are the actual impacts of EU banking regulation and supervision on the different banking models (administrative burden, governance constraints, complexity of prudential approaches…) at both national and EU levels? What should be the role of the EU regulation and of national and EU supervisory authorities in this context?