Doc 0990/15 8 October 2015(Vers. 1.1.) NST

22nd WSBI GENERAL ASSEMBLYWashington, 23 September 2015

15.30 – 18.00 hrsFour Seasons Hotel, Room Dumbarton

DRAFT MINUTES

I. SUMMARY OF MAIN CONCLUSIONS AND ACTION POINTS

WSBI G20 PositionsThe WSBI General Assembly endorsed the WSBI Institutional Positions to the G20 decision makers. Mr DE NOOSE encouraged members to advocate and transfer the WSBI messages to their national stakeholders.

WSBI workplan 2016Mr DE NOOSE gave an overview of the general workplan of WSBI for 2015 (see Doc 0839/15 for more details) followed by presentations of the Regional Group Presidents on their priorities for the upcoming mandate period 2015 – 2018. Members endorsed and supported the 2016 workplan.

Membership situationMembers endorsed the changes in membership (new membership applications as well as terminations) and welcomed the new members to WSBI (SMBC, Japan; ASKI, the Philippines; Afrique Emergence & Investments, Côte d’Ivoire; bpost bank, Belgium).

Mr DE NOOSE called on members to support the WSBI Secretariat in approaching potential new members.

WSBI – World Bank PartnershipMembers endorsed WSBI’s Numeric Commitment to the Universal Financial Access (UFA) Goals 2020 of 400 million new transaction accounts and 1.7 billion total customers by 2020. They also endorsed the Memorandum of Understanding between WSBI and the World Bank Group. A presentation by Mr DE NOOSE, WSBI Managing Director, was followed

World Savings and Retail Banking Institute - aisblRue Marie-Thérèse, 11 ￭ B-1000 Bruxelles ￭ Tel: + 32 2 211 11 11 ￭ Fax: + 32 2 211

11 99E-mail: first name.surname@wsbi-esbg.org ￭Website: www.wsbi.org

Doc 0990/15 (Vers. 1.1.)

by remarks and a presentation from Mr Douglas PEARCE, World Bank’s Co-head of the Universal Financial Access initiative.

Washington DeclarationThe members of the General Assembly endorsed the Washington Declaration that was issued at the occasion of the 24th World Congress of Savings and Retail Banks on 24 and 25 September in Washington D.C.

II. SUMMARY OF DISCUSSION

1. Welcome & QuorumPresident HAASIS welcomed all participants to the meeting of the 22nd

WSBI General Assembly.

Mr DE NOOSE presented the Quorum by saying that:According to Article 13 of the Statutes of the WSBI: “Decisions by the General Assembly shall only be valid if Members representing at least fifty percent of the votes are present or represented. They are taken by a simple majority of the votes present or represented at the meeting.” The total number of votes allocated to members, according to the calculation rule stated in Article 5 of the Internal Rules, is 178. The quorum today is 121 votes present or represented. Therefore, the General Assembly can take valid decisions, which will need to be taken with a majority of 89 votes, if ever a vote was called.

2. Welcome & approval of the draft agenda – Doc 0820/15Mr DE NOOSE explained why there is no Budget Item on the statutory meetings agendas this time: The Budget for 2016 is in preparation and will be first presented to the members of ESBG as they cover 80 % of the budget of the Joint Office. The preparation of the figures and more in particular the calculation of the individual contributions has now become more complex because of the introduction of a new objective system of calculation since last year and there is a need of some data from our members to be able to make the calculation. The approval of the Budget item will be therefore only added to the agenda of the next Board (in 2016).

The accounts for WSBI for the year 2014 have been adopted by the Board of Directors at the occasion of the meeting in Istanbul on 16 April 2015 and have been submitted to the General Assembly for approval by written procedure with the letter dated 18 may 2015. As we received no remarks on the account statements the document was filed with the Belgian Authorities (Belgian Central Bank). This filing is an obligation to fulfil

2

Doc 0990/15 (Vers. 1.1.)

before end of June and is the reason why we requested the approval of the accounts by written procedure.

The General Assembly confirmed their approval of the Annual Accounts 2014.

The draft agenda was approved without amendments.

3. Approval of the minutes of the last meeting – Doc 0639/14The minutes of the last General Assembly meeting (San Salvador, July 2014) were approved without amendments.

4. Progress Report by the Managing Director – Doc 0838/15Mr DE NOOSE presented the Progress Report of activities for the period from April – August 2015 but also showcasing some highlights since the last General Assembly meeting such as high-level meetings in Washington D.C. in 2014 (see Doc 0838/15 and the PowerPoint which is uploaded onto Extranet for more details).

5. Towards the 2015 G20 Turkish Presidency Summit: WSBI Institutional Positions to the G20 Decision-Makers – Doc 0876/15

Mr DE NOOSE explained that Turkey will host the next G20 Leaders’ Summit in Antalya on 15-16 November 2015. WSBI has already issued first positions after they have been approved by the WSBI Board in Istanbul (April 2015) and shared them with the Turkish Central Bank Governor and Finance Minister. The new positions have been enhanced since then to incorporate experiences of our jurisdictions, based on advice received from our membership, both at European and global levels. The messages include 3 parts: i) summary with main priorities, ii) graph and visualisation which combines the Turkish Presidency’s priorities and WSBI’s key reflection (created for the first time – we believe it will make our positions more accessible to the G20 stakeholders as they can gain a quick understanding of how our positions relate to their priorities/ideas, iii) full detailed messages.

The messages will be sent to G20 Finance Ministers and Central Bank Governors by mid-October in advance of the G20 Summit in November. They will also be distributed widely within the WSBI membership and sent to key stakeholders. WSBI will monitor the outcomes of this meeting, and

3

Doc 0990/15 (Vers. 1.1.)

will adapt its priorities according to their subsequent positions, as well as any ideas and priorities of its membership.

The WSBI General Assembly endorsed the WSBI Institutional Positions to the G20 decision makers. Mr DE NOOSE encouraged members to advocate and transfer the WSBI messages to their national stakeholders (ACTION).

6. WSBI workplan 2016 – Doc 0839/15Mr DE NOOSE gave an overview of the general workplan of WSBI for 2015 (see Doc 0839/15 for more details) followed by presentations of the Regional Group Presidents on their priorities for the upcoming mandate period 2015 – 2018 (see Powerpoint uploaded on Extranet for more information). Presentations were given by:

Mr MOSHINGI, President Africa Regional Group, CEO Tanzania Postal Bank;

Mr MARYONO, President Asia Regional Group, President-Director BTN (P. T. Bank Tabungan Negara) Indonesia;

Ms PEREZ MORA representing Mr PRIETO, President GRULAC, President BCS (Banco Caja Social) Columbia.

Members endorsed the proposed WSBI workplan for 2016.

7. WSBI International & Institutional issues 7.1 Membership situation – Doc 0911/15

Members endorsed the changes to the WSBI Membership (new membership applications as well as terminations) (see Doc 0917/15 for further information):

One new application for full membership from SMBC, Japan Two applications for Associate Membership from ASKI, the

Philippines, & Afrique Emergence & Investments, Côte d’Ivoire (approval of latter still pending)

bpost bank, Belgium, a new ESBG member which automatically becomes a member of WSBI

Four terminations of membership from Nampost Savings Bank, Nambia, ALNAP, the Dominican Republic, Postal Bank, Croatia and JSC Halyk Bank, Kazakstan

4

Doc 0990/15 (Vers. 1.1.)

President HAASIS welcomed the new members, which consequently (presence of SMBC and ASKI at the meeting) gave some introductory remarks and a short presentation on their institutions.

The current status of membership after endorsement is 110 Members in 78 countries.

Mr DE NOOSE called on members to be “door openers” by supporting the WSBI Secretariat in approaching potential new members and in advocating for the advantages and services of WSBI to savings and retail banks. (ACTION).

8. WSBI Relations with the World Bank GroupUniversal Financial Access (UFA) 2020 Goals and WSBI’s Numeric Commitment – Doc 0906/15WSBI – World Bank Strategic Partnership – Doc 0904/15

Mr DE NOOSE explained that WSBI and the World Bank Group have maintained close relations over very many years at varying levels: Advocacy, speaking roles in each other’s conferences and events, and in performing technical assistance assignments in different parts of the world. Now WSBI is aiming to strengthen that relationship by joining with the World Bank as a strategic partner in a mission that is core to the values of all of us. This strategic partnership has two components: Numeric Commitment to UFA (Universal Financial Access) 2020 Goals and the WSBI-World Bank Group MoU.

Based on the responses received, WSBI – ESBG proposed the following projection on which to base its numerical commitment to the UFA 2020 Goal.

Baseline of 1.3 billion customers at the end of 2014 Baseline of 1.3 billion transaction accounts at the end of 2014

Total number of customers as at 31/12/ 2020= 1.7 billionTotal number of new transaction accounts as at 31/12 /2020 = 400 million

This numerical commitment of 400 million new transaction accounts by 2020 was approved by the WSBI General Assembly at its last meeting on 23 September 2015. It also forms an integral part of the Washington Declaration that was issued at the close of the WSBI World Congress in Washington on 24 & 25 September 2015. This

5

Doc 0990/15 (Vers. 1.1.)

commitment has been communicated to the World Bank Group in the following text.

“The World Savings and Retail Banking Institute (WSBI) remains fully committed to the ‘Account for Everyone’ goal adopted by our members in May 2012 when reaffirming a deep commitment to financial inclusion set out in our Marrakech Delaration. An international banking association, WSBI brings together savings and retail banks from around 80 countries representing the interests of approximatley 6,000 banks in all continents. As at year-end 2014, members served a baseline total of 1.3 billion customers, which includes providing accounts for the poor worldwide. Based on the current membership, WSBI aims to reach 1.7 billion customers and 400 million new transaction accounts by 2020.”

The WSBI numerical commitment to creating 400 million new transaction accounts by 2020 is a strong and ambitious contribution to the WBG’s goal of providing universal financial access to 1.5 billion of the estimated total of 2 billion unbanked persons worldwide. Together, we envisage that they will act as vehicles for WSBI to raise funding in support of projects for a range of investment and capacity building initiatives that benefit WSBI members and complement our common goals of full financial access, and ultimately, an account for everyone.

Mr DE NOOSE noted that the presented numbers are based on conservative calculations and that he is confident they are realistic projections.

Mr Douglas PEARCE, World Bank’s Co-head of the Universal Financial Access initiative, gave a presentation and provided members with some more detail about the Universal Financial Access 2020 Goal and how stakeholders such as WSBI and its members can contribute concretely to the achievement of this goal. (See presentation uploaded to Extranet for more information).

Members voiced their support for this initiative, especially Mr CHAUHAN and Mr NAJM EDDINE highlighted once more their commitment to engage in financial inclusion activities and in supporting the WSBI Numeric Commitment while giving examples from their home countries on the wide array of access to finance initiatives.

Members of the WSBI General Assembly endorsed WSBI’s Numeric Commitment to the Universal Financial Access (UFA) Goals 2020 of 400 million new transaction accounts and 1.7 billion total customers by 2020.

6

Doc 0990/15 (Vers. 1.1.)

WSBI and its members have responsibilities under the UFA Partner Engagement as key contributors to a high visibility global goal. WSBI members were therefore invited to:

Work towards accelerating financial access in their countries; Measure progress and report regularly, at least once a year, on the

number of new transaction accounts and new customers; Share with WSBI best practice examples of accelerating the

achievement of financial access and financial inclusion goals from different parts of the world for peer-to-peer learning and networking purposes.

Members endorsed the Memorandum of Understanding between WSBI and the World Bank Group.

(See background document for more information and the final MoU version which has been uploaded to Extranet.)

9. Approval of the “Washington Declaration” – Doc 0912/15Mr DE NOOSE explained that at the occasion of the World Congresses of Savings and Retail Banks that are organised every three years, WSBI issues a “Declaration” that summarises the main strategic advocacy goals of WSBI for the next three years. The declaration is thus a lobbying tool as well as a kind of summarised work plan that lists the goals and priorities for WSBI and its members

The Washington Declaration that will be issued at the occasion of the Congress focuses on WSBI members’ biggest priority for the coming years: the digitisation and its consequences for retail banking. We focus not only on the challenges but also on the opportunities offered by new technologies for customer relationship management. The motto of the Declaration is “Taking the digital path, keeping a human touch”.

The declaration wraps up with a re-commitment to the 2012 Marrakech declaration: enhanced proximity through digitalization, keeping close to the customer who share our values, while reaching out to new customers and strengthening ties with existing ones.

The members of the General Assembly endorsed the Washington Declaration that was consequently issued at the occasion of the 24th World Congress of Savings and Retail Banks on 24 and 25 September in Washington D.C.

10. Change of WSBI Mandates 2015-2018 – Doc 0775/15 & 1025/15

7

Doc 0990/15 (Vers. 1.1.)

10.1 Election of the new Board of Directors for the mandate period 2015 – 2018

Mr DE NOOSE explained the procedures of approving the new WSBI mandates (see Doc 0775/15 for a detailed outline of procedures regarding the change of WSBI mandates). He added that members of the WSBI PC agreed on the proposal for WSBI mandates as outlined by the WSBI Secretariat (Doc 0775/15) but made the suggestion to add Banrural Guatemala in the “free Board seat” as they have shown interest in wanting to be active again and they are an important regional institution.Members appointed the new WSBI Board of Directors for the upcoming mandate period (2015 – 2018):

1. Board of Directors for the mandate period 2015-2018

i. WSBI PresidentMr Heinrich Haasis as President of WSBI.

ii. WSBI Board members

Organisation Represented by DeputyDeutscher Sparkassen- und Giroverband e.V. (Germany)

Georg Fahrenschon, President

Karl-Peter Schackmann-Fallis, Executive Member of the Board

Groupe Caisse d’Epargne (France)

Jean Arondel, President FNCE

François Pérol, President BPCE

Confederación Española de Cajas de Ahorros (Spain)

Isidro Fainé Casas, President

José Maria Méndez Alvarez-Cedrón, General Manager

From EUROPE:

Organisation Represented by DeputyBanka Kombetare Tregtare (Albania)

Mehmet Usta, Chairman of the Board of Directors

Seyhan Pencaplibil, CEO

Austrian Savings Banks Association (Austria)

Gerhard Fabisch, President

Michael Ikrath, Secretary General

Associazione di Fondazioni e di Casse di Risparmio SpA

Gerhard Brandstӓtter, Chairman Cassa di Risparmio di Bolzano

Guiseppe Ghisolfi, Chairman Cassa di Fossano

8

Doc 0990/15 (Vers. 1.1.)

(Italy) SpA orGiovanni Manghetti, Chairman Cassa di Risparmo di Volterra

Banque et Caisse d’Epargne de l’Etat (Luxembourg)

Jean-Claude Finck, President and CEO

Michel Birel, Executive Vice-President and Deputy CEO

Montepio / Caixa Geral de Depositos (CGD) (Portugal)

José Félix Morgado, President, Montepio

José De Matos, Chief Executive Officer and Vice Chairman of the Board, CGD

From ASIA:

Organisation Represented by DeputyP. T. Bank Tabungan Negara (BTN) (Indonesia)

Maryono, President Director/President of Regional Group

Irman Alvin Zahiruddin, Managing

Director

National Savings Institute (NSI), Ministry of Finance (India)

K. Chaucan Ashok, Joint Director and Head

Tbc

Bank Simpanan Nasional (Malaysia)

Adinan Maning, Chief Executive

Frederick Siew Kin Meng, Deputy Chief

ExecutiveNational Savings Bank(Sri Lanka)

Aswin De Silva, Chairman

Damika Perera,CEO/General Manager

Government Savings Bank (Thailand)

Chatchai Payuhanaveechai,President / CEO

Issara Wongrung, Senior Executive Vice-President

From AFRICA:

Organisation Represented by DeputyTanzania Postal Bank (Tanzania) / People’s

Sabasaba Moshingi, CEO, Tanzania Postal

Admore Kandela, CEO, People’s Own Savings

9

Doc 0990/15 (Vers. 1.1.)

Own Savings Bank of Zimbabwe (Zimbabwe)

Bank

President of Regional Group

Bank of Zimbabwe

Caisse d’Epargne (Madagascar) / Kenya Postbank (Kenya)

Rajerison Dominique, Directeur Général,Caisse d’Epargne (Madagascar)

Anne Karanja, Managing Director, Kenya Postbank

Al Barid Bank / Caisse de Dépôt et de Gestion (CDG) (Morocco)

Redouane Najm-Eddine, Chairman of the Board of Directors, Al Barid Bank

Zaghnoun Abdellatif, Directeur Général, Caisse de Dépôt et de Gestion (CDG)

CNCE (Ivory Coast) / PosteFinances du Sénégal (Senegal)

Cassaignan Yeo Antoine,Administrateur provisoire, CNCE (Ivory Coast)

Doudou Gueye Directeur Général, PosteFinances du Sénégal

Postbank Uganda Ltd. / Centenary Bank Uganda (Uganda)

Stephen Mukweli, Managing Director, Postank Uganda

Fabian Kasi, CEOCentenary Bank Uganda

From LATIN AMERICA/CARIBBEAN:

Organisation Represented by DeputyCaixa Econômica Federal do Brasil (Brazil)

Miriam BelchiorPresident

Beatriz von Bentzeen Rodrigues, Superintendent of International Relationship Strategy Division

Banco Estado (Chile) Guillermo Larrain Rios, President

Oscar González Narbona, Gerente de Planificación y Control de Gestión

Banco Caja Social (BCS) (Colombia)

Diego Fernando Prieto Rivera, PresidentPresident of Regional Group

Elsa Patricia Manrique, Vicepresidente de Estrategia y Desarrollo

Banco del Ahorro Nacional y Servicios Financieros (Mexico)

Alejandra del Moral, Director General

Gonzalo Tapia, Deputy Director General

Caja de Ahorros de Panama(Panama) / Banco Popular de Ahorro

Mario Rojas, General Manager, Caja de Ahorros de Panama

Horacio Ramón Navas Fernández, President, Banco Popular de Ahorro (BPA) (Cuba)

10

Doc 0990/15 (Vers. 1.1.)

(BPA) (Cuba)

Representatives of other members:

Federación de Cajas de Crédito y Bancos de los Trabajadores (El Salvador)

Macario Armando Rosales Rosa, President

Fernando Vega Holm, Gerente General

Bank of Valletta (Malta)

Charles Borg, CEO Michael Galea, Chief Electronic Banking Officer

Independent Community Bankers of America (USA)

Camden Fine, President & CEO

Marc Raitor, Executive Vice-President

Banco de Desarrollo Rural (Banrural) (Guatemala)

Fernando Adolfo Peña Perez, Executive Chairman

Tbc

Postal Savings Bank of China, Tbc

Tbc Tbc

11. Miscellaneous & next meetings – Doc 0929/15President HAASIS thanked all members for their active participation and support in the last three years and congratulated the newly elected Board while looking forward to the next 3 years in working together to position WSBI as the voice of savings and (responsible) retail banking.

Next meetings 2015:− 9 October: WSBI-ESBG Cocktail Reception, Lima (Peru)− 23 October: World Savings Day event, Brussels

Next meetings 2016 (proposals added during meeting, not all reflected in Doc 0929/15):

− 30 June & 1 July 2016: WSBI PC, Board and General Assembly, Bangkok (Thailand)

− 7 October 2016: WSBI PC, Board and WSBI-ESBG Cocktail reception at the occasion of the Annual Meetings of the IMF and World Bank (7-9 October 2016), Washington D.C.

11

Doc 0990/15 (Vers. 1.1.)

22ND WSBI GENERAL ASSEMBLYPARTICIPANTS LIST

WASHINGTON, 23 SEPTEMBER 2015(INCLUDING OBSERVERS, BASED ON REGISTRATIONS RECEIVED)

GUEST SPEAKER Douglas Pearce, Global Lead ‘Payment & Market Infrastructures and Responsible ‘Financial Access’ & Co- Head ‘Universal Financial Access’, World Bank Group

ALBANIABanka Kombetare TregtareMehmet Usta, Chairman of the Board of Directors

AUSTRIAÖsterreichischer SparkassenverbandIkrath Michael, General Secretary

BRAZILCaixa Economica FederalSoares Fábio, Head of CAIXA’s USA Representative Office

BURKINA FASOSONAPOSTSanfo Salam, Directeur Général

CHILEBancoEstadoGonzalez Narbona Oscar, Gerente de Planificacion y Control de

GestionLopez Saffie Jessica, Gerente General Ejecutivo

12

Doc 0990/15 (Vers. 1.1.)

COLOMBIABanco Caja Social ColombiaVillar Borrero Eduardo, Presidente de la Junta DirectivaPérez Mora Esperanza, Presidente Encargado

COMORESSociété Nationale des Postes & Services FinancièresAbdourahman Mohamed, Représentant en France de la SNPSFMoussa Houssein, Directeur Informatique et des Nouvelles

Technologies

CÔTE D'IVOIRECaisse Nationale des Caisses d'Epargne (CNCE)Cassaignan Yéo Antoine, Directeur Général

EL SALVADORCaja de Crédito de San MartinCallejas de Villalta Aracely, Directora PropietariaCaja de Crédito de AguilaresBonilla de Burgos Cordelia de Jesus, Directora SuplenteMelendez de Mazariego Merubeni del Carmen, Gerente GeneralPortillo de Ventura Juventina de Jesus, Directora SuplenteRivera de Salguero Marta Marina, Directora Suplente

Caja de Crédito de CojutepequeChavez Mendez Raquel, Directora PresidentaChicas de Castro Patricia del Carmen, Gerente GeneralHernandez de Escobar Rosario Guadalupe, Director SuplenteMenjivar Oscar Antonio, Director Suplente

Caja de Crédito de LlobascoAtilio Cortez Manuel, Segundo Director SuplenteVelasco Urias Ovidio, Director Secretario

Caja de Crédito MetropolitanoOrellana de Nuila Vilma Maria, Directora PresidentaSolano Larios Herbert, DirectorVasquez Jorge Alberto, Gerente General

Caja de Crédito de San SebastianAguilar Alfaro Tulio Isabel, Gerente General

Caja de Crédito de San VicenteAparicio Gonzalez Saul Eliazar, Director PresidenteDiaz Bonilla Eugenia Mercedes, Gerente de NegociosFulbio Alirio Hernandez Rodriguez, Director Secretario

13

Doc 0990/15 (Vers. 1.1.)

Vides Villalta Pedro Antonio, Director Suplente

Caja de Crédito San IgnacioOchoa de Vasquez Maria Elena, Directora Propietaria

Caja de Crédito Santiago de MariaCrespo Mario Ernesto, Director PropietarioRamos Portillo José Mercedes, Director PresidenteZelaya José Benigno, Director Propietario

FedecréditoCallejas Mauricio, Director del ConsejoHolm Fernando Vega, Gerente GeneralPacheco Ernesto, Gerente de Banca ElectronicaRosales Rosa Macario Armando, PresidenteServellon Miguel Angel, Director del Consejo

Mi BancoAdana Luna Jorge Adalberto, Gerente FinancieroGuevara Ramirez Nelson Oswaldo, Presidente

FRANCEFédération Nationale des Caisses d'EpargneArondel Jean, PrésidentBeaume Olivier, DirecteurRaineix Florence, Directeur Général

Groupe BPCENaslin Jean, Head of european and international public affairs

GERMANYDeutscher Sparkassen- und GiroverbandHaasis Heinrich, WSBI PresidentFahrenschon Georg, PresidentSchackmann-Fallis Karl-Peter, Executive Member of the BoardNeumann Wolfgang, Director

Rhineland Savings Banks and Giro AssociationBreuer Michael, Präsident des RSGV/Staatsminister a.D.Grzesiek Artur, Spkdirektor/Vorsitzender des Vorstandes des

Sparkasse KölnBonnKathstede Gregor, Oberbürgermeister der Stadt Krefeld/Vorsitzender

des HauptausschussesLandscheidt Christoph, Bügmeister der Stadt Kamplintfort/Mitglied

des

14

Doc 0990/15 (Vers. 1.1.)

Hauptausschusses

Savings Banks Foundation For International CooperationBergmann Niklaus, Managing Director

GUATEMALABanco de Desarrollo Rural s.a.Landaverry Veronica, Director General AdjuntoPena Fernando, Presidente Ejecutivo

INDIANational Bank for Agriculture & Rural developmentBhanwala Harsh Kumar, ChairmanPadmanabhan S, Chief Deputy ManagerSharma V.K., Deputy General Manager

National Savings Institute of IndiaChauhan A.K., Joint Director and Head (HQ)

INDONESIAPT Bank Tabungan NegaraMaryono , President DirectorMutazir Firman, Project ManagerWaluyo Eko, Head Investor Relations

ITALYAssociazione di Fondazioni e di Cassa di Risparmio SpA

Ghisolfi Giuseppe, PresidentePerruso Sergio, Internationales Relations Manager

JAPANSumitomo Mitsui Banking CorporationIkeda Yoshihiro, General Manager of Planning Dept., Americas

Division

KENYAKenya Post Office Savings Bank (Postbank)Karanja Anne W, Managing Director

KOREA (REPUBLIC OF)Korea Federation of Savings BankChun Daniel, AssociateLee Kyung Reun, Head Chief of Planning Department

Korea PostChong Chinyong, Vice President, CEO of Postal Savings BureauKwon Tae woo, Financial Researcher

15

Doc 0990/15 (Vers. 1.1.)

Um Yoon Chan, OfficerYun Kyung Jun, Officer

MADAGASCARCaisse d'Epargne de MadagascarRajerison Dominique, Directeur Général

MALAYSIABank Simpanan NasionalSiew Kin Meng Frederick, Deputy Chief Executive

MEXICOBANSEFIAlvarez Enrique, Director General Adjunto de Banca SocialDel Moral Vela Alejandra, Directora GeneralDiaz Edgar, Director de Vinculacion InstitucionalGurrea Daniela, Directora General Adjunta de CreditoMuhlia Jorge, Director General Adjunto de FinanzasOlivares Carlos, AsesorReyes Mayte, Directora de AdministracionRodriguez Angelica, Gerente de Control de Gestion y AdministracionSantos Cernuda Federico, Director General Adjunto de Juridico

MOROCCOAl-Barid BankNajm Eddine Redouane, CEO

NORWAYNorwegian Savings Banks AssociationGeving Morten Ole, Managing Director

PANAMACaja de Ahorros de PanamaArango Pitty Luisa Fernanda, Gerente Directiva de Innovacion y

Mejora ContinualJimenez Alma, Gerente Directiva Gestion HumanaRojas Bonilla Mario Alberto, Gerente GeneralUrriola Melissa, Gerente Directiva de Banca Persona

PERUCaja Municipal de Ahorro y Crédito de ArequipaVela Rondon José Fernando, Director

Caja Municipal de Ahorro y Crédito de CuscoArrendodo Polar Alberto Vicente, DirectorBustamante Yabar Sandra, Gerente

16

Doc 0990/15 (Vers. 1.1.)

Torres Pena Esther, Gerente de Crédito

Caja Municipal de Ahorro y Crédito de HuancayoBasurto Cotera Rafael Hebert, DirectorJimenez Heredia David Julio, DirectorOrdonez Berrospi Carlos Santos, DirectorPantoja Marin Luis Andres, Director of Operations and FinanceSolis Espinoza Jorge Guillermo, Presidente de Directorio

Caja Municipal de Ahorro y Crédito de SullanaSianca Ramirez Joel, Presidente de Directorio

CMAC Huancayo S.A.Olivera Meza José Luis, Director

FEPCMACSalinas Francisco, Gerente de Desarrollo y Promocion

PHILIPPINESASKICresenciana Ferrer Victoria, Vice PresidentLibunao Zoraida M., Director for FinanceVictoria Rolando Bulanadi, President

PORTUGALCaixa Geral de DepositosDo Nascimento Alvaro, ChairmanMartins de Matos José Agostihno, Chief Executive Officer

SENEGALPostefinancesDoudou Gueye, Directeur Général

SPAINLa CaixaFainé Isidro, ChairmanRosas Joan, Head of International Financial InstitutionsHansen Peter, Director of International Relations

CECAMendez Alvarez-Cedron José Maria, General Manager

SRI LANKANational Savings BankDe Silva Aswin, Chairman

17

Doc 0990/15 (Vers. 1.1.)

TANZANIADCB Commercial Bank PlcMahussein Mtulia Mohamed, Chief ICTPancras Mkwawa Edmund, Managing Director

Tanzania Postal BankGogadi Bernadette, Director of PlanningMoshingi Sabasaba, Chief Executive OfficerMsuya Jema, Director of ICTNgongi Mystica, Director of LegalRutashobya Lettice, Board Chairperson

THAILANDGovernment Savings BankThangtrongjit Pishsinee, Executive Vice PresidentWongrung Issara, Senior Executive Vice PresidentYoosiri Santhan, Executive Vice President

UGANDAFinance Trust BankMulindwa Annet Nakawunde, Managing Director

PostBank Uganda LimitedMukweli Stephen, Managing Director

UNITED STATES OF AMERICAIndependent Community Bankers of AmericaFine Camden, President and CEORaitor Mark, COO

ZIMBABWEPeople's Own Savings Bank of ZimbabweKandlela Admore, Chief Executive OfficeMvere Ignatius, Board MemberNdlovu Israel, Acting Board ChairpersonShuro Manyara Patience, General Manager Finance & Administration

BELGIUMWSBI Joint OfficeDe Noose Chris, Managing DirectorJoyce Fiona, Deputy Director – Head of International & Institutional Relations DepartmentOpsomer Johan, DirectorSmet Dirk, Communications ManagerStaniewicz Natalie, Adviser to the Managing Director Zhang Mina, Senior Adviser, International & Institutional Relations,

Asia

18

Doc 0990/15 (Vers. 1.1.)

Region

19