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

To take advantage of the group booking discount, please download the Group Booking form, complete and return to conferences@bba.org.uk or fax back to 0207 216 8894

Topics on the agenda include:

  • 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

09:00 Registration and refreshments
09:25 Chair’s opening remarks

Mike Conroy, Executive Director- Corporate & Commercial Banking, BBA

09:30 Opening address: Behind British Businesses: Building the UK’s No.1 Bank for Business

Alison Rose, CEO- Commercial& Private Banking, Royal Bank of Scotland

10:00 Where 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

10:20 Panel 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

11:00 Morning refreshment break
11:30 Panel 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

12:10 Panel 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

12:50 Networking lunch
13:50 Panel 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

14:30 Afternoon refreshment break
15:00 View 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

15:40 Leaders’ Panel discussion: 2020 Competition, collaboration, disintermediation?

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

16:10 Chair’s closing remarks

Mike Conroy, Executive Director- Corporate & Commercial Banking, BBA

16:15 Close of conference

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.

John Davies

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.

Nigel Eaton

Head of SME, Visa Commercial

Shiona Davies

Director, BDRC Continental

Stephen Dury

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.

Alison Rose

CEO- Commercial& Private Banking, Royal Bank of Scotland

Louise Beaumont

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.

Nic Beishon

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.

Ross Dalzell

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.

Colin Hewitt

CEO, Float

Mark Prinsley

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 .

Graham Olive

Interim Deputy CEO, OakNorth Bank

 

Jeff Lynn

CEO, Seedrs

 

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.

Paul Marston

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.

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

 

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.

Brian Corr

Head of Department, Competition, FCA

Vicki Harris

Group Strategy & Marketing Director, Aldermore Bank

Amanda Murphy

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 Horlick

CEO, Money&Co

 

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.

Simon Featherstone

Managing Director- Business Finance, Shawbrook Bank

Carl D’Ammassa

Group Managing Director- Business Finance, Aldermore Bank

Ian Cunningham

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.

Craig Iley

Managing Director- Business Finance, Atom Bank

Lars Overby

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.

Media partners:

techUK represents the companies and technologies that are defining today the world that we will live in tomorrow. The tech industry is creating jobs and growth across the UK. In 2015 the internet economy contributed 10% of the UK’s GDP. 900 companies are members of techUK. Collectively they employ more than 800,000 people, about half of all tech sector jobs in the UK. These companies range from leading FTSE 100 companies to new innovative start-ups. The majority of our members are small and medium sized businesses.

Fintech Finance works with prominent executives in the industry to provide key decision-makers globally within the foremost financial services organizations with consistent and accurate intelligence on emerging trends, breakthrough technologies and stimulating developments, helping them to make informed decisions. At Fintech Finance, we produce monthly video episodes looking at range of topics within financial services, as well as attending some of the most prominent events within the sector.

Kindly hosted by:

Mayer Brown is an international law firm noted for its commitment to client service and its ability to solve the most complex and demanding legal and business challenges worldwide. Our global Banking & Finance practice has more than 200 lawyers and continues to be a signature strength based on our global platform and our balanced and integrated practice, which encompasses all the focused skill sets that our clients demand. Many of our largest clients are bank holding companies, commercial banks, investment banks, insurance companies, asset-based lenders, leasing companies or institutional real estate companies. We also represent other financial institutional and investors, as well as a large number of borrowers operating in many different businesses and industries.

Panel sponsor:

With one of the largest sources of detailed consumer and business data in the UK, we can provide insight into the behaviours and drivers that help our clients drive their businesses forward and consumers access the products and services they can reasonably afford.

We believe Equifax is unique precisely because we’re big enough to know and advise, yet small enough to listen and respond.  With more than 115 years’ experience, clients trust us to help them compete in an increasingly challenging marketplace. But it’s also the personal relationships we establish with our clients that make our business what it is: our clients tell us it’s one of the main reasons why they enjoy working with us.

Branding sponsor:

Linedata is a global solutions provider dedicated to the investment management and credit community, with close to 1000 employees in 15 offices across the globe.

Linedata Capitalstream is the most comprehensive and configurable loan and lease origination and risk management platform on the market. It is used at top financial institutions to automate business and commercial lending more than any other solution.

 

For sponsorship opportunities please contact Anna Andrews

Email – Anna.andrews@bba.org.uk
Tel – 0207 216 8846