[PDF] - 50 years of sound banking representation We aim to achieve an PDF Document

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Associate EBF Membership

f the Macedonian Banking Association:

Potential Benefits & Future Cooperation

Skopje - Monday, 19 September 2011

Viktorija Proskurovska EBF Adviser

WHAT THE EBF STANDS FOR

50 years

f sound banking representation

We aim to achieve an integrated European financial services market

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PLAN OF THE PRESENTATION

1. The EBF structure & role
2. The EBF Secretariat
3. The EBF Associates
4. Focus on the Republic of Macedonia

EBF ROLE AND ITS NETWORK

The EBF began in 1960 with 6 members
The EBF today:

– 31 Full Members (27 EU and 4 EFTA) – 14 Associates

Croatia soon to become a full EBF Member

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EBF MEMBERS

Almost 4500 banks
Major cross-border institutions and small regional

entities

Wholesale and retail financial institutions

€ 38 trillion Assets 2.3 million Employees 17% of total Corporate Income Tax EBF CONTRIBUTION TO THE ECONOMY

THE VOICE OF EUROPEAN BANKS

80% of Bank Loans (EU)

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EBF STRUCTURE

EBF BOARD EBF EXECUTIVE COMMITTEE EBF SECRETARIAT

Consumer Affairs Payments Financial Markets Banking Supervision Legal Affairs International Affairs Anti Money- Laundering & Fraud Fiscal Matters Economic & Monetary Affairs Accounting

KEY COMMITTEES:

EBF FUNCTIONING

15 Consultative Committees and over 40

Working Groups and Task Forces

Over 300 experts throughout Europe
Common positions representing the overall

banking sector

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EBF LOBBYING Combined approach to lobbying at each level of the legislative process

COMMISSION PARLIAMENT COUNCIL

VARIOUS STAKEHOLDERS

National Banking Associations Financial Institutions Commission, Parliament, Council, EBA, ESRB, ECB BusinessEurope, BEUC, CEA, EFAMA, FEE EFR, ESBG, EACB, EBIC, EPC, IBFED WTO, OECD, BASEL Cttee, IASB, IOSCO International Institutions European Institutions & Agencies Other stakeholders Banking industry stakeholders

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EBF GUIDING PRINCIPLES

Main focus

Ensure the reputation and standing of the banking

sector accord with its social and economic importance

Promote the single market in financial services/banking
Promote better regulation
Advocate free and fair competition
Promote greater efficiency and competitiveness
Raise awareness of CSR importance in the banking sector
1. The EBF structure & role
2. The EBF Secretariat
3. The EBF Associates
4. Focus on the Republic of Macedonia

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SECRETARIAT’S ROLE

Ensure the EBF as the key partner for policy-makers in

the field of financial services

Monitor all policy initiatives with an impact on the

banking sector, inform members, and suggest action

Implement the political impetus and policy trends agreed

by Board and Executive Committee

Coordinate the Consultative Committees and Working

Groups

EBF SECRETARIAT

Location

– Brussels

Staff members

– Total: 38 – Of which: 18 policy advisers

Departments

– Wholesale & Regulatory Policy – Retail, Legal, Economic & Social Policy – Finance, HR & Administration & IT + Communications & Public Relations Unit

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EBF ADVISERS Qualities

In-depth knowledge of the issues
A keen synthetic mind
Consensus-building skills to find common ground

amongst members

Social skills to facilitate meetings with stakeholders
1. The EBF structure & role
2. The EBF Secretariat
3. The EBF Associates
4. Focus on the Republic of Macedonia

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EBF INTEREST IN ASSOCIATES

Since the 1990s: EU banks’ growing stake in EBF Associates
Today, EU banking groups hold 70-90% of Associates’

banking markets

Most EBF Associates are current or future EU candidates

Result: Reinforced periphery of EU in medium term Stronger new Member States in long term

EBF WORK WITH THE ASSOCIATES

The EBF’s purpose is to channel relevant information on EU legislation in financial services and to support the Associates’ work. – Bi-annual meetings – Updates on the EU legislative framework – In-depth analysis of key issues – Meetings with key EU representatives – Other ad hoc support

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EBF ASSOCIATE MEMBERSHIP

Conditions

Membership in the Council of Europe
Fulfilment of the EBF Articles of Association criteria

History

1993: the “Correspondent” countries
1998: change from Correspondent to Associate
2000: the pre-Accession Committee, created in 1998,

was subsumed into Associates

1. The EBF structure & role
2. The EBF Secretariat
3. The EBF Associates
4. Focus on the Republic of Macedonia

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MACEDONIA

Member of the Council of Europe since November 1995 EU candidate Capital: Skopje Borders with: Albania, Serbia, Bulgaria, Greece Population: 2.1 million GDP: € 6.9 billion Banking Association (within the Economic Chamber) of FYR of Macedonia: an EBF Associate since July 2011

COMPARATIVE STATISTICS

… small is beautiful!

Geo-political region GDP (€ billion) Population Number of banks Number of branches Bank assets (€ billion) Loans (€ billion) Deposits (€ billion) EBF Members € 12,989.23 515,867,289 7,456 216,604 € 45,234.40 € 18,993.30 € 18,259.22 EBF Associates € 1,918.39 301,443,505 1,544 39,033 € 791.85 € 443.50 € 411.37 Balkans € 106.28 23,709,693 139 5,896 € 102.83 € 69.59 € 68.26 Macedonia € 6.92 2,057,284 18 436 € 4.96 € 3.04 € 3.47 FYR Macedonia, as % of Balkans 6.5% 8.7% 12.9% 7.4% 4.8% 4.4% 5.1%

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GDP PER CAPITA

€- €10,000.0 €20,000.0 €30,000.0 €40,000.0 €50,000.0 €60,000.0 €70,000.0 €80,000.0 €90,000.0 €100,000.0 Moldova Armenia Ukraine Albania Serbia Bosnia&Herzegovina FYR Macedonia Azerbaijan Bulgaria Montenegro Romania Turkey Russia Latvia Lithuania Poland Hungary Croatia Estonia Slovakia Czech Republic Malta Portugal Slovenia Greece Cyprus Spain EU-27 average Italy United Kingdom France Iceland Germany Belgium Andorra Finland Ireland Austria Netherlands Sweden Denmark Monaco Switzerland Norway Luxembourg Liechtenstein

DEPTH OF MARKETS

€25,179 €6,364 €4,483 €3,365 €36,818 €1,471 €2,935 €1,478 €35,395 €1,365 €2,879 €1,685 €- €5,000 €10,000 €15,000 €20,000 €25,000 €30,000 €35,000 €40,000 EBF Members EBF Associates The Balkans FYR Macedonia GDP per inhabitant (€ billion) Loans per inhabitant (€) Deposits per inhabitant (€)

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WEALTH AND OUTREACH OF BANKS

€6.07 €0.51 €0.74 €0.28 2.302 7.429 3.929 4.531 €- €1.00 €2.00 €3.00 €4.00 €5.00 €6.00 €7.00 €8.00 EBF Members EBF Associates The Balkans FYR Macedonia Assets per bank (€ billion) Inhabitants per bank or branch (thousands)

BANK STABILITY

22,0% 16,4% 16,1% 13,2% 0,0% 5,0% 10,0% 15,0% 20,0% 25,0% The Balkans Members of the EU but not EA EA Members 14 WE banking groups with significant presence

Total capital ratio (%)

€11,97 €52,78 €9,82 €394,00 €- €50,00 €100,00 €150,00 €200,00 €250,00 €300,00 €350,00 €400,00 €450,00 The Balkans Members of the EU but not EA EA Members 14 WE banking groups with significant presence

Equity (€ billion)

Local banks appear to be well capitalised, but most of them being subsidiaries of large West European banking groups, they depend

n their mother banks’ business strategies.

The Vienna accord provides a guarantee for Macedonian banks’ business continuity.

€81,99 €534,41 €115,65 €7.946,00 €- €1.000,00 €2.000,00 €3.000,00 €4.000,00 €5.000,00 €6.000,00 €7.000,00 €8.000,00 €9.000,00 The Balkans Members of the EU but not EA EA Members 14 WE banking groups with significant presence

Assets (€ billion)

Source: Bankscope (EBF calculations)

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TO CONCLUDE

Macedonia has a young and developing financial

services market

Macedonia is an EU candidate
Macedonian Banking Association, as an Associate, has

gained access to the EBF networks and expertise

EBF is looking forward to our fruitful cooperation!

Thank you for you attention! For further information: www.ebf-fbe.eu 50 Years s of Sound Banking ing Represen esentati tation

n