Angela MentisChief Customer Officer –

Business and Private,National Australia Bank

The Hon Scott Morrison MPTreasurer

Cindy HookCEO, Deloitte

Fred OhlssonGroup Executive,Australia, ANZ

BANKING & WEALTHSUMMIT 20175-6 April 2017Sofitel Wentworth, Sydney

www.afrbanking.com.au

Matt ComynGroup Executive,

Retail Banking Services,CBA

Dr Guy DebelleDeputy Governor,

Reserve Bank of Australia

Greg MedcraftChair, ASIC

Lyn CobleyChief Executive Westpac

Institutional Bank,Westpac

Kristin LyonsChief InformationSecurity Officer,Australia Post

Wayne Byres Chair, APRA

350+DELEGATES

50+SPEAKERS

IN-DEPTHEDITORIALCOVERAGE

Researched & produced bySUPPORTED BY

GOLD SPONSOR

Strong banks – strong Australia

Peter HarmerCEO, IAG

Debby BlakeyCEO, HESTA

BANKING & WEALTH SUMMIT 2017

www.afrbanking.com.au #afrbanking17

9:00 ROUNDTABLE View from the ratings agencies - Will the housing bubble burst? - Do Australians owe too much? - Could Australia really lose its AAA rating? - What are the top external threats to the Australian economy?

Ilya Serov, Senior Vice President, Moody’s Sharad Jain, Financial Services Ratings, Standard and Poors Tim Roche, Senior Director, Financial Institutions, Fitch Ratings

9:40 KEYNOTE Purposeful innovation in a transitioning economy Lyn Cobley, Chief Executive, Westpac Institutional Bank, Westpac

10:00 KEYNOTE ADDRESS The Hon Scott Morrison MP, Treasurer

10:20 ROUNDTABLE View from the market - What’s on the horizon for financial services in 2017? - Can dividends be maintained? - What would happen if Australia’s credit rating was downgraded? - Where are the big investors placing their bets?

Kate Howitt, Portfolio Manager, Fidelity Investments Brian Johnson, Analyst, CLSA Catherine Allfrey, Principal, Wavestone Capital

11:00 Morning tea

11:20 What role do big business play in being a catalyst for small business growth?

Trent Innes, Managing Director, Xero

11:40 INTERVIEW Reflections on a career in ASIC Greg Medcraft, Chair, ASIC

12:10 KEYNOTE Genuine self-disruption: learning from the insurance industry Peter Harmer, CEO, IAG

12:30 ROUNDTABLE Human capital: changing the face of financial services - What is the current profile of our leadership, and what do we want for the future? - How will the next generation of leadership think differently? - How do we get true diversity of thought across the FS sector?

Uday Sareen, CEO, ING Direct Australia Ainslie van Onselen, Executive Director, RAMS Melissa Tandy, Global Chair, ANZ Pride Network; and Senior Manager Governance & Transformation, ANZ

1:10 Closing Remarks Arthur Calipo, Financial Services Leader, Deloitte

1:20 Lunch and Close of Summit

4:00 BREAKOUT SESSIONS A) Cybersecurity Breaking good: confessions of a hacker 20-minute anonymous interview with a reformed “black-hat” hacker

Followed by a 35-minute panel discussion on - Understanding the cyber threat: perpetrators, motivations, methods and evolution - Technical and human strategies to protect against cyber attacks - Cyber security vs cyber risk – how do you determine the right risk appetite? - Building the organisational resilience to deal with breaches

Kristin Lyons, Chief Information Security Officer, Australia Post John Baird, Director, Revio Cybersecurity Rachelle Koster, Partner Crisis Management & Resilience, Deloitte B) Neglected no longer: the new battle for small business banking - Is small business banking really worth the effort for the big banks? - How can data facilitate better pricing of risk for small business lending? - How are banks responding to competition from fintech start-ups?

Leigh O’Neill, EGM Business Direct and Small Business, National Australia Bank Kate Gibson, GM Small Business Banking, ANZ Kate Carnell, Small Business and Family Enterprise Ombudsman Gerd Schenkel, CEO, Tyro Beau Bertoli, CEO, Prospa

Moderator: Paul Rehder, Banking Leader, Deloitte

C) Spending our super - What will the retirement products of the future look like? - Will most super funds develop their own or buy off the shelf? - Do funds have the in-house skills required to develop, market and distribute complex retirement products – and educate their members? - What sort of regulatory framework is needed to protect consumers?

Vicki Doyle, Director Corporate Superannuation, AMP Brian Benari, CEO, Challenger Pamela McAlister, Senior Governance Consultant, Mercer Dr Martin Fahy, CEO, ASFA Paul Carter, Executive General Manager Wealth Products, NAB

5:00 Networking Drinks

DAY 2 - THURSDAY, 6 APRIL8:00 Morning tea and coffee

8:30 Opening remarks Michael Stutchbury, Editor In Chief, The Australian Financial Review Bob Contri, Global Financial Services Industry Leader, Deloitte

8:40 KEYNOTE Remarks from the RBA Dr Guy Debelle, Deputy Governor, Reserve Bank of Australia

Antony Cahill, COO, National Australia Bank Greg Symons, Co-Founder, SocietyOne Kat Lane, Principal Solicitor, Financial Rights Legal Centre Jenny Wilson, Lead Partner, Customer Trust, Deloitte

1:20 Lunch

2:30 BREAKOUT SESSIONS A) Regtech: Innovating the back as well as the front - What are the pain points when it comes to regulation and compliance? - How can cognitive processes, robotic processes, blockchain, etc provide solutions? - Separating the reality from the hype: what is the immediate future for RegTech in Australia and globally?

Rebecca Lim, Chief Compliance Officer and Group General Counsel, Westpac Matt Symons, Director, Red Marker Cathie Armour, Commissioner, ASIC Kevin Nixon, Global & Asia-Pacific Lead, Centre for Regulatory Strategy, Deloitte

B) Disrupting consumer banking - What does the future look like for consumers of financial services? - Impact of disintermediation of the vertical banking stack and developments in payments, blockchain, identity, AI, IoT, etc - Australian banks as innovators – where are they focusing their efforts?

Danny Gilligan, Co-Founder, Reinventure Group Tiziana Bianco, General Manager, Innovation Labs, Commonwealth Bank Colin Barnard, Industry Leader Finance, Google Helen Lorigan, Advisory Board Member, HashChing and Investafit; Executive in residence, Sapien Ventures

C) The Wealth Industry: 2025

Global Perspective (10 min) Gauthier Vincent, US Wealth Management Leader, Deloitte

Followed by panel discussion: - What will the wealth industry look like in 2025? What about the advice industry? - Will the banks own wealth divisions? Will vertical integration be an issue? - Who will control the life insurance sector and what will products look like? - How much consolidation will there among super funds and what will prompt it?

Brad Cooper, CEO, BT Financial Debby Blakey, CEO, HESTA Steve Tucker, Chairman and Partner, Koda Capital Simon Swanson, Managing Director, ClearView Angie Mastrippolito, CEO, NESS Super

Moderator: Gauthier Vincent, US Wealth Management Leader, Deloitte

3:30 Afternoon tea

DAY 1 - WEDNESDAY, 5 APRIL8:00 Registration, Morning tea and coffee

8:30 Opening Remarks Michael Stutchbury, Editor In Chief, The Australian Financial Review Cindy Hook, CEO, Deloitte

8:45 KEYNOTE The Regulatory Agenda – What’s Next? Wayne Byres, Chair, APRA

9:10 INTERVIEW Consumer banking: embracing the future Fred Ohlsson, Group Executive, Australia, ANZ George Frazis, Chief Executive, Consumer Banking, Westpac 9:45 KEYNOTE Backing Australian Business Angela Mentis, Chief Customer Officer – Business and Private, National Australia Bank

10:10 KEYNOTE Financial wellbeing in a digital age Matt Comyn, Group Executive, Retail Banking Services, Commonwealth Bank

10:35 Morning tea

11:05 KEYNOTE Parliamentary Address David Coleman MP, Chair, House of Representatives Standing Committee on Economics

11:30 ROUNDTABLE The pointy end of culture: remuneration and reward - Pay: the ultimate driver of culture? - What is the place of soft targets in remuneration? - Should bankers receive “bonuses” for simply meeting expectations?

Ian Silk, CEO, Australian Super CEO, Australian Bankers’ Association

12:10 INTERVIEW Competition, Portability and Access Rod Sims, Chair, ACCC

12:35 ROUNDTABLE In banks we trust? - Why are customers dissatisfied? What are the main pain points? - What kind of trust matters in financial services, and how is it established? - Can smaller institutions and start-ups ever win the degree of trust that incumbents enjoy?

Researched & produced byNATIONAL POLICY SERIES

BANKING & WEALTH SUMMIT 2017

9:00 ROUNDTABLE View from the ratings agencies - Will the housing bubble burst? - Do Australians owe too much? - Could Australia really lose its AAA rating? - What are the top external threats to the Australian economy?

Ilya Serov, Senior Vice President, Moody’s Sharad Jain, Financial Services Ratings, Standard and Poors Tim Roche, Senior Director, Financial Institutions, Fitch Ratings

9:40 KEYNOTE Purposeful innovation in a transitioning economy Lyn Cobley, Chief Executive, Westpac Institutional Bank, Westpac

10:00 KEYNOTE ADDRESS The Hon Scott Morrison MP, Treasurer

10:20 ROUNDTABLE View from the market - What’s on the horizon for financial services in 2017? - Can dividends be maintained? - What would happen if Australia’s credit rating was downgraded? - Where are the big investors placing their bets?

Kate Howitt, Portfolio Manager, Fidelity Investments Brian Johnson, Analyst, CLSA Catherine Allfrey, Principal, Wavestone Capital

11:00 Morning tea

11:20 What role do big business play in being a catalyst for small business growth?

Trent Innes, Managing Director, Xero

11:40 INTERVIEW Reflections on a career in ASIC Greg Medcraft, Chair, ASIC

12:10 KEYNOTE Genuine self-disruption: learning from the insurance industry Peter Harmer, CEO, IAG

12:30 ROUNDTABLE Human capital: changing the face of financial services - What is the current profile of our leadership, and what do we want for the future? - How will the next generation of leadership think differently? - How do we get true diversity of thought across the FS sector?

Uday Sareen, CEO, ING Direct Australia Ainslie van Onselen, Executive Director, RAMS Melissa Tandy, Global Chair, ANZ Pride Network; and Senior Manager Governance & Transformation, ANZ

1:10 Closing Remarks Arthur Calipo, Financial Services Leader, Deloitte

1:20 Lunch and Close of Summit

4:00 BREAKOUT SESSIONS A) Cybersecurity Breaking good: confessions of a hacker 20-minute anonymous interview with a reformed “black-hat” hacker

Followed by a 35-minute panel discussion on - Understanding the cyber threat: perpetrators, motivations, methods and evolution - Technical and human strategies to protect against cyber attacks - Cyber security vs cyber risk – how do you determine the right risk appetite? - Building the organisational resilience to deal with breaches

Kristin Lyons, Chief Information Security Officer, Australia Post John Baird, Director, Revio Cybersecurity Rachelle Koster, Partner Crisis Management & Resilience, Deloitte B) Neglected no longer: the new battle for small business banking - Is small business banking really worth the effort for the big banks? - How can data facilitate better pricing of risk for small business lending? - How are banks responding to competition from fintech start-ups?

Leigh O’Neill, EGM Business Direct and Small Business, National Australia Bank Kate Gibson, GM Small Business Banking, ANZ Kate Carnell, Small Business and Family Enterprise Ombudsman Gerd Schenkel, CEO, Tyro Beau Bertoli, CEO, Prospa

Moderator: Paul Rehder, Banking Leader, Deloitte

C) Spending our super - What will the retirement products of the future look like? - Will most super funds develop their own or buy off the shelf? - Do funds have the in-house skills required to develop, market and distribute complex retirement products – and educate their members? - What sort of regulatory framework is needed to protect consumers?

Vicki Doyle, Director Corporate Superannuation, AMP Brian Benari, CEO, Challenger Pamela McAlister, Senior Governance Consultant, Mercer Dr Martin Fahy, CEO, ASFA Paul Carter, Executive General Manager Wealth Products, NAB

5:00 Networking Drinks

DAY 2 - THURSDAY, 6 APRIL8:00 Morning tea and coffee

8:30 Opening remarks Michael Stutchbury, Editor In Chief, The Australian Financial Review Bob Contri, Global Financial Services Industry Leader, Deloitte

8:40 KEYNOTE Remarks from the RBA Dr Guy Debelle, Deputy Governor, Reserve Bank of Australia

Antony Cahill, COO, National Australia Bank Greg Symons, Co-Founder, SocietyOne Kat Lane, Principal Solicitor, Financial Rights Legal Centre Jenny Wilson, Lead Partner, Customer Trust, Deloitte

1:20 Lunch

2:30 BREAKOUT SESSIONS A) Regtech: Innovating the back as well as the front - What are the pain points when it comes to regulation and compliance? - How can cognitive processes, robotic processes, blockchain, etc provide solutions? - Separating the reality from the hype: what is the immediate future for RegTech in Australia and globally?

Rebecca Lim, Chief Compliance Officer and Group General Counsel, Westpac Matt Symons, Director, Red Marker Cathie Armour, Commissioner, ASIC Kevin Nixon, Global & Asia-Pacific Lead, Centre for Regulatory Strategy, Deloitte

B) Disrupting consumer banking - What does the future look like for consumers of financial services? - Impact of disintermediation of the vertical banking stack and developments in payments, blockchain, identity, AI, IoT, etc - Australian banks as innovators – where are they focusing their efforts?

Danny Gilligan, Co-Founder, Reinventure Group Tiziana Bianco, General Manager, Innovation Labs, Commonwealth Bank Colin Barnard, Industry Leader Finance, Google Helen Lorigan, Advisory Board Member, HashChing and Investafit; Executive in residence, Sapien Ventures

C) The Wealth Industry: 2025

Global Perspective (10 min) Gauthier Vincent, US Wealth Management Leader, Deloitte

Followed by panel discussion: - What will the wealth industry look like in 2025? What about the advice industry? - Will the banks own wealth divisions? Will vertical integration be an issue? - Who will control the life insurance sector and what will products look like? - How much consolidation will there among super funds and what will prompt it?

Brad Cooper, CEO, BT Financial Debby Blakey, CEO, HESTA Steve Tucker, Chairman and Partner, Koda Capital Simon Swanson, Managing Director, ClearView Angie Mastrippolito, CEO, NESS Super

Moderator: Gauthier Vincent, US Wealth Management Leader, Deloitte

3:30 Afternoon tea

DAY 1 - WEDNESDAY, 5 APRIL8:00 Registration, Morning tea and coffee

8:30 Opening Remarks Michael Stutchbury, Editor In Chief, The Australian Financial Review Cindy Hook, CEO, Deloitte

8:45 KEYNOTE The Regulatory Agenda – What’s Next? Wayne Byres, Chair, APRA

9:10 INTERVIEW Consumer banking: embracing the future Fred Ohlsson, Group Executive, Australia, ANZ George Frazis, Chief Executive, Consumer Banking, Westpac 9:45 KEYNOTE Backing Australian Business Angela Mentis, Chief Customer Officer – Business and Private, National Australia Bank

10:10 KEYNOTE Financial wellbeing in a digital age Matt Comyn, Group Executive, Retail Banking Services, Commonwealth Bank

10:35 Morning tea

11:05 KEYNOTE Parliamentary Address David Coleman MP, Chair, House of Representatives Standing Committee on Economics

11:30 ROUNDTABLE The pointy end of culture: remuneration and reward - Pay: the ultimate driver of culture? - What is the place of soft targets in remuneration? - Should bankers receive “bonuses” for simply meeting expectations?

Ian Silk, CEO, Australian Super CEO, Australian Bankers’ Association

12:10 INTERVIEW Competition, Portability and Access Rod Sims, Chair, ACCC

12:35 ROUNDTABLE In banks we trust? - Why are customers dissatisfied? What are the main pain points? - What kind of trust matters in financial services, and how is it established? - Can smaller institutions and start-ups ever win the degree of trust that incumbents enjoy?

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BANKING & WEALTH SUMMIT