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Basel III/CRD IV: Konkrete Auswirkungen auf das Bankgeschäft

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Erwin-Schrödinger-Saal
Plenary / Panel
in deutscher Sprache

Vortragende

Member of the Management Board, Austrian Association of Popular Banks, Vienna
Vice President, Booz & Company GmbH, Frankfurt am Main Abstract
Banken sehen sich zur Zeit mit einer Vielzahl von neuen regulatorischen Anforderungen konfrontiert. Die wichtigste Regelung in den kommenden Jahren werden die nationalen Umsetzungen von Basel III sein. Während sich Banken bereits auf die neuen
Kapitalanforderungen eingestellt haben, werden zur Zeit viele Projekte im Bereich Liquiditäts  und Bilanzmanagement begonnen. Dabei ist es wichtig, die neuen Kenngrößen in den Steuerungssystemen der Banken zu verankern. Dies erfordert neben oft umfangreicher Arbeiten an den IT-Systemen auch eine vertiefte Kooperation zwischen CEO, CRO und CFO sowie entsprechend aktualisierter Governance-Regeln.
Member of the Management Board, VTB Bank (Austria) AG, Vienna Abstract
Die Basel 3 Regularien als Antwort auf die Krise 2008 zeigen tendenziell eine korrekte Richtung auf, nämlich die prinzipielle Stärkung der Eigenmittelbasis von Banken, sowie eine  Beschränkung der Verschuldungsquote. Kritisch ist aber vor allem der Umgang mit der Anerkennung von Tier 2 Kapital zu nennen, da hier Änderungen vorgesehen sind, die vor allem bei KI-Gruppen in der Konsolidierung eine Reduktion der anrechenbaren Eigenmittel zur Folge haben und damit auch Seiteneffekte auf die Großveranlagungsgrenzen haben. Kritisch zu hinterfragen ist auch ein Vorpreschen der EU, da solche Regelungen, um Wettbewerbsverzerrungen im internationalen Finanzmarkt zu vermeiden, doch international zeitgleich und in derselben Form  ohne weitreichende Wahlrecht oder Abänderungen  umgesetzt werden müssen. Denn bis heute sind noch nicht einmal die Basel 2 Regeln in allen wichtigen Finanzmärkten in Kraft.
Managing Director, Bank and Insurance Division, Austrian Federal Economic Chamber, Vienna
Principal Advisor, Directorate General Internal Market and Services, European Commission, Brussels Abstract
Changes of the European political/economical landscape and what does it mean
for European banks?

The European political and economic landscape has changed much since the financial crisis
broke out. Although the crisis was not rooted in Europe, several MS had their self-cooked
housing market bubble, and many institutions bought blindly tons of toxic papers, thus the
pains in the EU were also severe.
Handling the emergencies required application of unconventional policies and tools. The immediate
collapse could be prevented, but the toll was high: loss of growth, loss of jobs, deteriorating
fiscal balance, exploding government debt. These developments triggered a crisis of
sovereign debts: the weaknesses of the contract of the EMU and of the economic governance
in several MS become visible.
Also the weaknesses of regulation and supervision become evident. The belief in and acceptance
of  perfect markets lost grounds, once praised institutions become crippled, and it was
put out that regulation was too much  going concern based.
Thus the EU is now severely tested by a twin crisis and has to face at the same time challenges
from (i) the rapid ageing, (ii) consequences of climate change, (iii) a loss of confidence
in the euro, (iv) loss of trust in nuclear power. What Europe suffers most from is a sense of
fear from the changes and challenges. In fact, it is one of the major human characteristics to
fear the unknown and the unseen.
Are there answers on the questions related to the future and if so what? The keynote speech
does not promise any final reply but walks the audience through the so far developed answers
and invites them to a common thinking about the possible solutions.
Managing Editor, Der Standard, Vienna Chair

Mag. Dr. Rainer BORNS

Member of the Management Board, Austrian Association of Popular Banks, Vienna

1992-1993 Gerichtspraxis Bezirksgericht Gänserndorf und Handelsgericht Wien
1993-1995 Assistent am Institut für Zivilrecht, Universität Wien
seit 1994 Lehrbeauftragter im Wirtschaftsförderungsinstitut (WIFI) Niederösterreich, Wien
1995-1997 Lektor für Zivilrecht, Universität Wien
  Vertreter des Volksbankensektors in der Europäischen Vereinigung der Genossenschaftsbanken
1995-2001 Leiter der Abteilung Interessenvertretung im Vorstandsbereich Anwaltschaft des Österreichischen Genossenschaftsverbandes (Schulze-Delitzsch),
  Mitglied des Vorstandes der Volksbank Quadrat Bank AG;
  Geschäftsleiter der Spar- und Vorschusskasse der Angestellten, "Wiener Städtische Allgemeine Versicherung Aktiengesellschaft" reg.Gen.m.b.H.;
  Mitglied des Exekutivkomitees der Europäischen Vereinigung der Genossenschaftsbanken;
  Lektor für Genossenschaftswesen, Wirtschaftsuniversität Wien
seit 2001 Mitglied des Vorstandes des Österreichischen Genossenschaftsverbandes;

Dr. Peter GASSMANN

Vice President, Booz & Company GmbH, Frankfurt am Main

1993 Diploma in Physics, RWTH Aachen University
1996 PhD in Physics, RWTH Aachen University
1997-2000 Team Leader/Business Analyst FX options, Leading Investment Bank, London
2000-2003 Principal, Financial Services, Booz & Company, Frankfurt
2003-2005 Senior Executive, Program Director Basel II, Leading European Bank, Frankfurt
2005-2009 Senior Executive, Group Risk Architecture, Leading European Bank, Frankfurt
2009-2010 Divisional Board Member Market & Liquidity Risk, Leading European Bank, Frankfurt
2008-2010 Deputy Chairman Supervisory Board & Risk Committee, Regional Real Estate and Public Finance Bank, Düsseldorf
since 2010 Vice President/Partner, Head of Global Risk & Capital Practice, Booz & Company, Frankfurt

Christian MÜLLNER

Member of the Management Board, VTB Bank (Austria) AG, Vienna

  Business Administration
  Special focus on Management & Controlling, Information Technology and
  Economic History
  Completion of Curriculum in 2003; Master thesis currently in process
1990-2003 University of Economics, Vienna
1996-1998 Freelancer and Webmaster, Österreichisches Controller-Institut, Vienna
1998-2000 Department of Project and Process Management, Raiffeisen Daten Service Center GmbH, Vienna
1999-2000 Head of IT controlling & IT infrastructure, Raiffeisen Daten Service Center GmbH, Vienna
2001-2003 Head of Professional Services, ex-it EDV consulting GmbH, Vienna
2003 CFO, ex-it EDV consulting GmbH, Vienna
2003-2005 Product and Project Manager & Key Account for banks and risk management solutions and Head of Finance & Administration, PXP Finance Solution GmbH, Vienna
since 2005 Head of Risk Management and Chief Operating Officer, VTB Bank (Austria) AG, Vienna
since 2011 Board Member, VTB Bank (Austria) AG, Vienna

Dr. Herbert PICHLER

Managing Director, Bank and Insurance Division, Austrian Federal Economic Chamber, Vienna

1964-1969 School of Law, University of Vienna
1971 Economics Department, Chamber of Commerce of Vienna
1972-1985 Chief Executive Assistant to the President of the Austrian Federal Economic Chamber
 until 1999 Lecturer, Vienna University of Economics and Business
since 1986 Managing Director (Syndic) of the Division Bank and Insurance, Austrian Federal Economic Chamber

Dr. Elemér TERTAK

Principal Advisor, Directorate General Internal Market and Services, European Commission, Brussels

1978 Economics degree, Marx Károly University of Economics, Budapest
1995 Doctoral degree in economics, Budapest University of Economics
1993-1995 Managing Director, National Deposit Insurance Fund
1995-2001 Chief Executive Officer, KDB Bank
2001-2002 Deputy Secretary of State in charge for financial regulation, Ministry of Finance, Budapest
2002-2003 Chief Executive Officer, Dresdner Bank Hungaria
2003-2004 Permanent Secretary of State, Ministry of Finance, Budapest
 Since 2011 Principal Advisor, DG Internal Market and Services, European Commission
2005-2011 Director, Financial Institutions, DG Internal Market and Services, European Commission

MPA. Dr. Eric FREY

Managing Editor, Der Standard, Vienna

1981 Student of Public Affairs, Princeton University
1991-1996 Deputy Foreign Editor, Der Standard
1996-1998 Foreign Editor, Der Standard
1998-2001 Business Editor, Der Standard
2001-2002 Marshall Plan Chair for Austrian Studies, University of New Orleans
since 2002 Managing Editor, Der Standard