SME & Commercial Banking Conference: 2020 & Beyond
The past year has seen the continuation of steady UK growth and the revival of confidence amongst SMEs who are now looking to borrow. Challenger banks are entering the UK’s business-banking market, but can they truly challenge the big four who provide 90% of lending to businesses and 85% of SME current accounts?
In addition to these themes, the BBA’s SME conference will address the emergence of fintech, whether the Small Business Act and credit data sharing rules will make a difference, the CMA’s market review and whether it really will stimulate competition.
BBA Members – £349+VAT
Non-Members – £549+VAT
For organisations wishing to send several of their team, we offer further discounts for group bookings (applicable where all attendees are employed by the same organisation and are registered under one booking):
– 4 for the price of 3
– 7 for the price of 5
– 10 for the price of 7
– For groups of 12 or more, every second delegate attends free of charge
Will the Business Act and new credit data sharing rules and referral really make a difference
What business customers really want from their banks: understanding & meeting customer needs
Alternative finance options for start-ups and SMEs
Funding: crowdfunding and new approaches for start-ups and SMEs
09:00Registration and refreshments
09:25Chair’s opening remarks
Mike Conroy, Executive Director- Corporate & Commercial Banking, BBA
09:30Opening address: Behind British Businesses: Building the UK’s No.1 Bank for Business
Alison Rose, CEO- Commercial& Private Banking, Royal Bank of Scotland
10:00Where SMEs are now: Trends from the SME Finance Monitor
How SMEs are performing and their ambitions for the future
Loan and overdraft application success rates are at their highest level, but to what extent are SMEs looking for external finance for their business and are they aware of the options available to them?
Shiona Davies, Director, BDRC Continental
10:20Panel discussion: the banking scene today and tomorrow 2020: the new, the established, the 'yet to be born'
Will CMA remedies really work?
Carl D’Ammassa, Group Managing Director- Business Finance, Aldermore Bank
Ian Cunningham, Head of Credit, Lending Crowd
Craig Iley, Managing Director- Business Finance, Atom Bank
11:00Morning refreshment break
11:30Panel discussion: Fintech and business banking: where the worlds collide
Will the Business Act and new credit data sharing rules and referral really make a difference; how does open data and APIs fit in to the vision; PSD2; KYC HUBS/ credit passporting ?
Louise Beaumont, Head of Public Affairs & Policy, GLI Finance
Nic Beishon, Head of Business Information Solutions, Equifax Ross Dalzell, Head of Corporate Banking Propositions, Barclays
Mark Prinsley, Head of the Intellectual Property & IT Group, Mayer Brown
12:10Panel discussion: Use of digital in business banking ‘the way we business bank now'
Views from the entrepreneurs: what business customers really want from their banks
Graham Olive, Interim Deputy CEO, OakNorth Bank Nigel Eaton, Head of SME, Visa Commercial
Colin Hewitt, CEO, Float John Davies, Chief Executive Officer, The Just Loans Group PLC
13:50Panel discussion: The rise of the alternates – is there a finance gap or is it about businesses using the right finance at the right time in the right mix?
Jeff Lynn, CEO, Seedrs Paul Marston, Head of Commercial Finance divisions, Ratesetter Ian Isaac, Managing Director- Head of Lombard Sales, Lombard Asset Finance Peter Baeck, Principal Researcher, Public and Social Innovation, Nesta James Meekings, UK Managing Director & Co-Founder, Funding Circle
14:30Afternoon refreshment break
15:00View from the regulators: Are Financial Regulations harming SME growth in the UK?
What is being done to help new entrants and to level the playing field to stimulate business finance options?
Brian Corr, Head of Department, Competition, FCA Lars Overby, Head of Unit-Credit, Market and Operational Policy, EBA
Vicki Harris, Group Strategy & Marketing Director, Aldermore Bank Amanda Murphy, Head of Commercial Banking, HSBC Nicola Horlick, CEO, Money&Co
Simon Featherstone, Managing Director- Business Finance, Shawbrook Bank
Stephen Dury, Managing Director- SME Markets & Business Development, Santander
16:10Chair’s closing remarks
Mike Conroy, Executive Director- Corporate & Commercial Banking, BBA
Mike has policy responsibility for Corporate and Commercial Banking at the BBA and for the Business Finance Taskforce. This includes engagement with key industrial sectors and stakeholders, strategic initiatives across products such as export finance and leading the access to business finance agenda. Prior to joining the BBA he gained over 35 years’ experience in the banking industry at HSBC in branch, regional and head office roles including retail and commercial banking, marketing, strategic planning and implementation, e-commerce and most recently external affairs, leading on SME, Commercial and Corporate Banking policy issues.
Whilst at HSBC, he completed two secondments with the London Enterprise Agency and HM Treasury.
Mike holds a BSc in Economics and is an Associate of the Chartered Institute of Bankers.
Chief Executive Officer, The Just Loans Group PLC
John’s passion is helping businesses thrive and grow by providing much needed funding where possible and sharing his hard earned business lessons.
As the founder of The Just Loans Group PLC, he is focussed on helping to bridge the funding gap that has restricted the growth of British industry.
The Group helps businesses to invest and grow through its three subsidiaries, Just Cash Flow PLC, Just Finance Loans & Investments PLC and Just Bridging Loans PLC
Just Cash Flow PLC is a specialist lender to UK businesses offering flexible funding solutions to support them through growth and development phases.
Just Finance Loans and Investments Plc takes an equity investment in companies in conjunction with longer term loans.
Just Bridging Plc is a specialist in UK commercial 2nd Charge lending providing funds to the specialist building and development sector.
John draws on his 30 plus years of experience gained through founding and running a number of companies to give guidance to existing and potential business owners.
He is frequently asked to chair or contribute at industry-wide events under the key theme of helping businesses avoid potential pitfalls and the need to focus on key business fundamentals such as planning, forecasting and managing cash flow.
He is a strong advocate for there to be a formal qualification for directors before they set up in business.
Recently he has shared his experience and expertise at a number of FinTech events to educate tech entrepreneurs about the different forms of funding available to them and the need to bring their products to market.
Head of SME, Visa Commercial
Director, BDRC Continental
Managing Director- SME Markets & Business Development, Santander
Stephen Dury joined Santander UK in September 2010. In his current role as Managing Director of SME Markets and Business Development he is responsible for business development, strategic proposition and product development for Santander Corporate and Commercial Banking. Launching the Santander Breakthrough programme in 2011 he is now committed to growing Santander’s presence in the SME space, providing services and solutions to help UK businesses reach their full potential.
CEO- Commercial& Private Banking, Royal Bank of Scotland
Head of Public Affairs & Policy, GLI Finance
Louise Beaumont has over twenty years experience in growing companies – from initial spark, to operationalisation, results delivered, and value created. Having previously worked for organisations such as Siemens, Hewlett Packard, Microsoft, and Capgemini, Louise has focused on the UK’s fast growing alternative finance sector since 2010, including co-founding one of GLI’s investees. Louise has advised key UK government departments and units on FinTech and AltFin including; HM Treasury, British Business Bank, Government Office for Science, Cabinet Office, UK Trade & Industry, Department for Business, Innovation & Skills, and Number 10 Downing Street’s Policy Unit.
Head of Business Information Solutions, Equifax
Nic has worked for Equifax within the consumer and business information divisions after a career in the Finance industry. During this time he has led a number of business areas, including banking and finance, before taking on the leadership of Equifax Business Information Solutions in 2008.
Nic’s role is to create growth opportunities through the wider adoption of Equifax services and enabling technologies. Currently he is working with the BBA and Government implementing the SME credit data sharing between the designated banks and the Commercial credit reference agencies.
Nic is also responsible for developing a number of strategic initiatives. He is the chair of the Business Information Providers Association (BIPA) and was instrumental in Equifax becoming a founding member. He works to promote and educate individuals and organisations on the pivotal importance of business information within Government, the industry and the wider business community.
Head of Corporate Banking Propositions, Barclays
Ross joined Barclays in September 2008 as Head of Business Savings to lead the development of products for local businesses.
In 2010, his role expanded to cover customer analysis for all business banking products. This role was set up to ensure that all business decisions were founded upon a deep understanding of our customers’ needs and behaviour, rather than just gut feel.
In 2012 Ross took the lead in the management and development of current account and savings products, as well as the support we offer customers who want to start trading internationally.
At the beginning of 2015, Ross took on the new role of Head of Corporate Banking Propositions. In this role he works to transform critical client experiences, often using new technology, in order to increase satisfaction, and thereby help Barclays become the Go-To corporate bank.
Ross is passionate about businesses of all shapes and sizes, and sees his main challenge as being to find better ways is genuinely support business owners achieve their ambitions. He is responsible for launching the award winning Business Abroad proposition and our new Business Current Account, the first account in the market to genuinely reward our customers’ loyalty.
Ross joined Barclays from Santander where he worked for 4 years, latterly on the integration of Alliance and Leicester. Prior to this Ross ran new product development for Alliance and Leicester’s retail savings business.
Head of the Intellectual Property & IT Group, Mayer Brown
Mark Prinsley is head of the Intellectual Property & IT group in London as well as the outsourcing practice. His practice involves acting for customers at all stages of outsourcing and other technology transactions. Much of Mark’s work is in the financial service sector including work on the adoption of new business models for technology projects and data privacy risks .
Interim Deputy CEO, OakNorth Bank
Jeff co-founded Seedrs, The UK’s No.1 equity crowdfunding platform, with Carlos Silva in 2009. He began his career as a corporate lawyer with Sullivan & Cromwell LLP in New York and London, and has served as a Non-Executive Director of Companies House. He has been named one of the top 10 coolest people in UK tech by Business Insider and one of the most influential men in Britain GQ.
Head of Commercial Finance divisions, Ratesetter
Paul joined RateSetter from Secure Trust Bank, where he was Managing Director of the Business and Commercial division which provides funding for trading SMEs and property finance. Prior to that he was a Managing Director at RBS /NatWest, where he was responsible for the Business and Commercial banking in the South and West of England and Wales. During his time with the RBS Group, he was also previously Head of the SME division at Lombard Asset Finance. Paul has therefore worked for a traditional large bank, a challenger bank and now a marketplace platform – all within the SME segment. The RateSetter Commercial divisions include Business Finance, Professional Sector Finance, Property Finance and Wholesale Finance. The purpose of the Business Finance team is to help businesses grow and become more efficient and thus more productive. British Business Bank Investments lends through the RateSetter Business Finance platform to SMEs.
Managing Director- Head of Lombard Sales, Lombard Asset Finance
Principal Researcher, Public and Social Innovation, Nesta
UK Managing Director & Co-Founder, Funding Circle
As Co-Founder and UK Managing Director James leads the UK business and is responsible for overseeing the overall strategic direction and day-to-day operation of Funding Circle in the UK. James co-founded Funding Circle in the UK in 2010 after seeing how difficult it was for small businesses to access funding and wanting to build something better.
Prior to Funding Circle James was at OC&C Strategy Consultants where he advised companies on strategy and growth across the retail, media and services sectors.
James has a first class Economics and Management degree from Oxford University.
Head of Department, Competition, FCA
Group Strategy & Marketing Director, Aldermore Bank
Head of Commercial Banking, HSBC
Amanda Murphy joined HSBC in 1995 on the Bank’s Graduate Training Programme. Her first role at the Golders’ Green retail branch in London encompassed everything from lending to local businesses, helping customers buy their first homes, to cashiering at the till.
Since then Amanda has worked in many areas of HSBC’s Global business including as a Relationship Director in the UK, Canada and Dubai for Corporate Banking, a Senior Risk Manager in Hong Kong, and within our Group Learning and Development Department.
Having enjoyed assignments all over the world, in 2011 Amanda took on the role as Head of Commercial Banking in Indonesia, a fast-growing and exciting emerging market, where she led the business to double digit sustainable growth for 3 consecutive years.
In October 2013 Amanda returned to the UK to lead the Group’s largest Business Banking segment, before taking on the role of Head of Corporate Banking for the UK in November 2014.
Amanda has an LLB from The Queen’s University and an MBA from Warwick University. She is also ACIB qualified.
Married with three young children, Amanda looks forward to time with her family, friends and dogs. Her interests include golf, the theatre and travelling; and whenever the opportunity presents itself, she and her family enjoy returning to the family home in Dublin.
Nicola read Jurisprudence at Balliol College, Oxford. In 1983, she joined S.G. Warburg as a graduate trainee. She worked with Leonard Licht, one of the leading fund managers in the City during the 1980s, and together, they built up the Specialist Equity team of what became Mercury Asset Management. Nicola was appointed a director of Mercury in 1989.
In 1991, Nicola moved to Morgan Grenfell Asset Management and she was appointed Managing Director of the UK business in 1992. Over the following five years, funds under management increased from £4 billion to £22 billion and Morgan Grenfell became recognised as one of the leading managers of UK pension funds.
In 1997, Nicola left Morgan Grenfell and set up SG Asset Management for the French bank, Société Générale. The initial target for funds under management was £5 billion in five years. This target was reached after two years and within three years, funds under management had reached £7 billion.
In 2004, Nicola set up Bramdean Asset Management LLP with Sir Derek Higgs and the business was launched at the beginning of 2005. Bramdean ran a number of alternative investment mandates before selling the bulk of its business to Aberdeen Asset Management at the end of 2009. In 2011, Nicola became one of the founding partners and Chairman of Rockpool Investments LLP, a private equity business. She remained as Chairman until early 2015.
In 2010, Nicola set up Derby Street Films and there are now three Derby Street vehicles, which fund the development of feature films. Nicola is also the Chairman of Glentham Capital Limited, which is currently raising a film finance fund.
Nicola is the CEO of Money&Co, a person-to-business lending platform, which connects people looking for a better rate of interest on their cash with businesses seeking finance to grow. Money&Co. is experiencing rapid growth as many companies are still finding it difficult to borrow money from banks.
Managing Director- Business Finance, Shawbrook Bank
Group Managing Director- Business Finance, Aldermore Bank
Head of Credit, Lending Crowd
Ian is a career banker with over 40 years banking experience. Ian was elected as a Fellow of the Institute of Bankers in Scotland in 2001 and for 13 years until 2009 was head of the corporate and SME lending function of the Scottish division of a major clearing bank. Ian has been involved with LendingCrowd since its early concept and was appointed Head of Credit in October 2014 when the company was formally launched.
Managing Director- Business Finance, Atom Bank
Head of Unit-Credit, Market and Operational Policy, EBA
Lars Jul Overby is currently head of unit of the Credit, Market and Operational Risk Policy unit at the EBA in the Regulation department of the European Banking Authority (EBA). The unit is responsible for the development of regulatory products in the area of credit, market and operational risk in addition to dealing with securitisation, covered bonds and market infrastructure issues. Prior to joining the EBA in 2012, he worked for the Nykredit group, where he was involved in the preparation of EU and Basel III regulations in the Regulation and Rating unit. He also worked 8 years in Danmarks Nationalbank, primarily with analytical support of market operations related affairs and research. In addition, he worked at the ECB, where he looked at capital markets developments in the Directorate Monetary Policy. He originally started his career in Unibank (now Nordea), working on liquidity and clearing. He has a Ph.d. in empirical market microstructure from University of Copenhagen.
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