APAC
Agenda
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Keynote Interview with Ms. Judy Hsu, Regional Chief Executive Officer, ASEAN and South Asia, Standard Chartered Bank
- From the near to medium term: Challenges and opportunities in the bank’s operating environment
- How is the bank preparing to respond to the changes taking place in the banking business model?
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10:00
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10:30
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Panel: ESG Shaping Banks’ Strategies, Risk Assessments and Reporting
- How banks embed ESG strategies into their strategies and risk assessments
- How regulation and societal expectations may shape future risk appetite
- The journey to better ESG risk reporting
- The challenges in comparing ESG risks across banks
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Presentation: Banking – Credit trends amid policy-supported recovery and still challenging operating environment
- Can banks manage asset risk with faster loan growth to small and private companies amid policy-supported recovery?
- How are banks mitigating pressures on profitability and capital?
- Will liquidity condition and the level of government support change?
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Patrick Winsbury is the Associate Managing Director of Moody’s Corporate Finance and Financial Institutions Groups in Sydney, covering the Australian and New Zealand markets. Patrick moved to Sydney in 2006, following postings in New York and Singapore with Moody’s Financial Institutions Group. He served as the Representative Director for Moody’s Singapore office from 1995-1999, having previously worked in Moody’s Hong Kong and London offices.
Patrick holds a Masters degree from the Cranfield School of Management, a B.A.in European Studies from the University of Bath and a Mineur from l’Université deMontréal.
Michelle Jablko joined ANZ as its Chief Financial Officer on 18 July 2016.
SKILLS, EXPERIENCE AND EXPERTISE
Prior to joining ANZ, Michelle had a 15 year career in investment banking working across different industries, including financial services, providing advice to Australian companies on strategy, capital management and funding, and investor relations.
Most recently Michelle was at Greenhill Australia where she was the Managing Director and Co-Head jointly responsible for leading its Australian business.
She also spent almost 15 years at UBS Australia.
Straight out of university, Michelle initially worked as a lawyer at Allens Linklaters focussed on M&A, banking, tax and finance law.
Michelle graduated with First Class Honours in Law and Honours in Economics from Monash University in Melbourne.
KEY DATES
2016 Appointed Chief Financial Officer, ANZ
2014 Managing Director and Co-Head, Greenhill, Australia
2000 Managing Director, UBS, Australia
1997 Lawyer, Allens Linklaters (formerly Allens Arthur Robinson), Australia
Frank Mirenzi is a Vice President – Senior Credit Officer in Moody’s Financial Institutions Group in Sydney. Frank covers a number of Australian major and regional banks. He is also the lead analyst for the Australian insurance sector.
Prior to join Moody’s in October 2013, Frank worked as an analyst, most recently with Royal Bank of Scotland plc, covering Australian banks and insurance entities.
He holds a Bachelor of Economics from Macquarie University.
Mike is the Chief Executive Officer of the Customer Owned Banking Association(COBA), the industry body for Australia’s credit unions, building societies and mutual banks, following his appointment on 4 December 2017.
In April 2018, Mike became a Director of the World Council of Credit Unions (WOCCU), the peak international body for the credit union movement globally and in 2019 was appointed a Director of the Australian Mutuals Foundation.
Mike has over 30 years experience in financial services, primarily gained with AMP Bank and National Australia Bank.
Mike was Managing Director of AMP Bank for 8 years and prior to this, Mike under took senior roles in all distribution channels of banking, namely, Corporate,Commercial and Retail and having done so across three continents, Australia, UK and USA.
Mike is passionate about community involvement and using his skills that have been acquired over a very fortunate career in playing his part in helping others,more recently as Vice Chair of Heart Research Australia and the many activities associated with Special Needs.
Daniel Yu is a Vice President – Senior Analyst in Moody’s Financial Institution Group, based in Sydney. His primary responsibilities include banks in Australia and New Zealand.
Prior to joining Moody’s in October 2006, Daniel worked as an analyst for the Australian Prudential Regulation Authority, focusing on authorised deposit taking institutions and general insurance entities.
He holds a Bachelor of Mathematics and Finance degree from the University of Technology, Sydney. He is also a CFA charterholder and a member of the CFA Society of Sydney.
Graeme Knowd is a Managing Director in the Financial Institutions Group and Country Head Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks,securities firms and other non-bank financial institutions in Japan, South and South East Asia.Graeme has analyzed financial institutions globally for more than 15 years.
Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements,where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America.He has also worked for other leading financial institutions, such as UBS and S&P,and began his career at the Bank of England. He has worked in London,Switzerland, Tokyo and Singapore.
Graeme has Master’s degrees from the School of Oriental and African Studies,University of London, and Kobe University, where he studied Economics.
Judy is Standard Chartered Bank’s Regional Chief Executive Officer for ASEAN and South Asia (ASA) and is responsible for leading the business and execution of the bank’s strategy across fifteen footprint markets within the region. She has assumed the role since 1 June 2018 and is also a member of the Group Management Team.
Prior to this, Judy was appointed Chief Executive Officer, Singapore, in October 2015, and led the business development and execution of strategy for the Bank in Singapore, the second highest contributor to the Group and major driver of the performance in the ASA region.
Singapore is a global business hub for the Group, and Judy has been playing an active role in shaping and contributing to Singapore’s growth as a financial centre. Judy was previously the Vice Chairperson of the Association of Banks in Singapore as well as a member of The Institute of Banking and Finance Council. Currently, she is serving on several industry and statutory bodies including Urban and Redevelopment Authority Board and Workforce Singapore.
Judy joined the Bank in 2009 as the Global Head of Wealth Management. She led the strategic development and management of wealth management products, investment strategy and advisory services for the Bank. Prior to joining Standard Chartered, she spent 18 years in Citibank in various country and regional leadership roles in retail banking, wealth management and affluent client strategy.
Judy holds a Bachelor degree in Microbiology and a MBA in Finance from the University of British Columbia, Canada.
Stephen Long is a Managing Director co-responsible for Moody’s global bank ratings. He is based in Hong Kong and primarily focuses on bank ratings in the Asia Pacific region. He is also responsible globally for Moody’s ratings of non-bank financial institutions. Stephen has a long career in Asia.
Before joining Moody’s in 2010, he worked as the head of J.P. Morgan's Asia rating advisory team, and before that, he headed the firm's Asia credit research team. As well as managing the overall team, he was responsible for its research on Asian banks.His experience also includes senior positions at other leading financial institutions,and he began his career as a banking regulator at the Bank of England. He has worked in London, Paris, Hong Kong and Tokyo.
Stephen is a graduate of the University of Oxford, where he read Philosophy,Politics and Economics.
Shunsaku Sato is a Vice President and Senior Credit Officer with Moody’s Financial Institutions Group in Tokyo. His portfolio of responsibilities includes banks, as well as insurance, securities and finance companies, and government-related institutions.
Prior to rejoining Moody’s, Shunsaku worked as a ratings advisor in both the US and Asia for 14 years, advising industrial companies and financial institutions on the rating implications of M&As, financial strategies and capital structures.Before working as a ratings advisor, he was an analyst at Moody’s Investors Service in New York, where he covered US banks, finance companies and real estate investment trusts, as well as Japanese banks and insurance companies.
Shunsaku holds a Bachelor of Arts degree in Economics from the University of Washington in Seattle.
Main Professional Career
June 2019 Senior Managing Executive Officer, Member of Board, NEXI
June 2016 Chief Representative, New York Representative Office, NEXI
July 2014 Director for Textile and Clothing, Manufacturing Industries Bureau, Ministry of Economy, Trade and Industry, METI
July 2012 Director for International Organization, Minister’s Secretariat, Ministry of Agriculture, Forestry and Fisheries
July 2010 Director for Financial Cooperation, Trade and Economic Cooperation Bureau, METI
July 2008 Director for Petroleum Policy, Agency for Natural Resources and Energy, ANRE, METI
June 2005 Economic and Commercial Counselor, Embassy of Japan in Italy
June 2004 Deputy Director, New and Renewable Energy Division, ANRE, METI
June 2002 Deputy Director, Corporate System Division, Economic and Industrial Policy Bureau, METI
May1999 Deputy Director, Financial Cooperation Office, Trade and Economic Cooperation Bureau, Ministry of International Trade and Industry, MITI
May1996 Economic and Commercial Attaché, Embassy of Japan in Republic of South Africa
June 1994 Deputy Director, Energy Efficiency Office, ANRE, MITI
May1992 Policy Planning and Coordination Division, Minister’s Secretariat, MITI
May 1991 Iron and Steel Industry Division, Basic Industries Bureau, MITI
April 1990 General Affairs Division, Basic Industries Bureau, MITI
Bachelor’s degree of Environment and Information Studies, Keio University, Kanagawa (2007).
Managing Director of Teikoku Databank (2020 -), President of Teikoku Databank America. Inc. (2020 -), Vice Director of TDB Center for Advanced Empirical Research on Enterprise and Economy (2018 - ) (*1), and Vice Director of Data Engineering and Machine Learning Center(2019 - ) (*2).
*1 Collaboration project with HITOTSUBASHI University and Teikoku Databank
*2 Collaboration project with SHIGA University and Teikoku Databank
Tetsuya Yamamoto is a Vice President – Senior Credit Officer with the Financial Institutions Group of Moody’s Japan. He covers ratings across a portfolio of Japanese mega banks, major banks, regional banks, securities firms, government related financial institutions, and finance companies.Prior to Moody’s, Tetsuya worked as a senior portfolio manager for Tokyo StarBank.
Prior to Tokyo Star Bank, Tetsuya worked for Sumitomo Mitsui Banking Corporation (formerly Sumitomo Bank) as a senior analyst at Corporate Research Department in Tokyo and Hong Kong, covering a wide range of sectors includingfood & beverage, retail & wholesale, telecommunications, steel, chemical and financial institutions.
Tetsuya holds a bachelor’s degree in economics from Kyoto University.
Tomoya Suzuki is an Assistant Vice President - Analyst with Moody’s Financial Institutions Group in Tokyo.
He covers ratings across a portfolio of Japanese major banks and regional banks.
Before joining Moody’s, Tomoya worked in credit risk management at Credit Suisse in Tokyo and previously in credit investment at a Japanese bank.
Tomoya holds a Bachelor of Arts degree in Finance and International Business from the University of South Carolina.
ムーディーズ・ジャパン株式会社のヴァイス・プレジデント/シニア・クレジット・オフィサー。銀行に加え、保険会社、証券会社、金融会社、および政府系機関を担当する。
ムーディーズへの再入社前、米国とアジアで14年間格付アドバイザーとして、事業会社と金融機関を対象としたM&A、財務戦略、および資本構成の格付への影響に関するアドバイザリー業務に携わる。
格付アドバイザーを務める前、ムーディーズ・インベスターズ・サービスのニューヨーク本社で、アナリストとして米国の銀行、金融会社、および不動産投資信託に加え、日本の銀行と保険会社を担当する。
ワシントン大学シアトル校経済学部卒。
慶應義塾大学環境情報学部卒。
カナダ・バンクーバーで就業した後、2009年に株式会社帝国データバンク入社。
2016年10月、データを活用したソリューションサービスの提供や、景気動向調査を実施する、産業調査部（現データソリューション企画部）部長。2020年3月、常務取締役海外担当 兼 帝国データバンクアメリカインコーポレイテッド社長（現任）。
一橋大学経済研究科 帝国データバンク 企業・経済高度実証研究センター副センター長、および、滋賀大学と帝国データバンクの共同で運営される、Data Engineering and Machine Learning センター副センター長を兼任。
最終学歴 東京大学法学部（１９９０年３月）
職 歴
１９９０年 ４月 通商産業省入省（基礎産業局総務課）
１９９１年 ５月 同 基礎産業局鉄鋼業務課
１９９２年 ５月 同 大臣官房総務課
１９９４年 ６月 資源エネルギー庁長官官房省エネルギー対策室
１９９５年 ７月 資源エネルギー庁長官官房省エネルギー対策室総務班長
１９９６年 ５月 外務省在南アフリカ共和国日本国大使館二等書記官
１９９９年 ５月 通商産業省通商政策局経済協力部経済協力課長補佐
２００１年 １月 経済産業省貿易経済協力局資金協力課長補佐
２００２年 ６月 同 経済産業政策局産業組織課長補佐
２００４年 ６月 資源エネルギー庁省エネルギー・新エネルギー部 新エネルギー対策課長補佐
２００５年 ６月 外務省在イタリア日本国大使館一等書記官・参事官
２００８年 ７月 資源エネルギー庁長官官房企画官（石油政策担当）
２０１０年 ７月 経済産業省貿易経済協力局資金協力課長
２０１２年 ７月 農林水産省大臣官房参事官（国際担当）
２０１４年 ７月 経済産業省製造産業局繊維課長
２０１６年 ６月 日本貿易保険ニューヨーク貿易保険事務所長
２０１９年 ６月 日本貿易保険常務取締役
ムーディーズ・ジャパン株式会社の金融機関グループのヴァイス・プレジデント/シニア・クレジット・オフィサー。日本のメガバンク、主要銀行、地方銀行、証券会社、政府系金融機関、および金融会社の格付を担当する。
前職では、東京スター銀行でシニア・ポートフォリオ・マネージャーを務める。それ以前は、三井住友銀行(旧住友銀行)の東京および香港支社のコーポレート・リサーチ部門で、シニアアナリストとして食品・飲料、小売・卸売、通信、鉄鋼、化学、および金融機関など、幅広いセクターを担当する。
京都大学経済学部卒。
Michael is responsible for defining and implementing the Bank’s technology and innovation strategy and managing the systems development and technology infrastructure which underpin the Bank’s client services.
Prior to Standard Chartered, Michael was Vice President and CIO at Daimler AG where he was globally responsible for strategy, planning and development of the Group’s IT systems, as well as the operation of its technical infrastructure.
He graduated with a Masters degree in physics from the Albert Ludwigs University of Freiburg and obtained a PhD in Laser Engineering from the University of Stuttgart.
Sophia Sinae Lee is an Associate Managing Director in Moody’s Financial Institutions Group. Based in Hong Kong, she oversees the ratings team that is responsible for financial institutions in Hong Kong, Korea, Mongolia and Taiwan,and non-bank financial institutions in China.
Sophia joined Moody’s in 2013 and prior to that spent seven years at Deutsche Bank in Hong Kong as an equity analyst. She has also held positions in Korea at Bank of Korea and Korea First Bank.Sophia holds an MBA from the University of Pennsylvania’s Wharton School and a BA in Russian Language and Literature from Korea University.
She is also a CFA charterholder.
Edmund Lin is a founding member of our Southeast Asia business. He has served as the leader of our global Financial Services practice and advises the world’s leading financial institutions on their most critical business issues.
Ed advises leading global and domestic financial institutions across Asia, Europe and the United States on growth strategy, mergers and acquisitions and large transformation programs. He is also an expert on strategic planning, change management and organization design.
Ed joined us in San Francisco in 1990 and relocated to Singapore in 1994 to help found our Southeast Asia practice.
In his personal time, he serves on the Singapore Management University Board of Trustees and also chairs its Audit Committee. He also serves as Chairman of the SMU Lee Kong Chian School of Business Advisory Board.
Further, Ed is a member of Young Presidents Organization and leads the Lin Foundation with his wife, Trina Liang-Lin.
He holds an MBA, with distinction, Beta Gamma Sigma, from the Northwestern University Kellogg Graduate School of Management. He also earned a B.S. in Business Administration from the University of California, Berkeley.
Summary:
Chris is Managing Director, Head of Grab Financial Group (GFG) Strategy. In this role, Chris leads strategy development and planning for GFG and its individual businesses covering payments, lending, insurance, wealth management and digibank. Chris concurrently serves as Head of Grab Ventures, whose mandate is to develop the next generation tech leaders in Southeast Asia and develop Grab into the leading Superapp of Southeast Asia. GV does this through Venture Building, Venture Programs and Venture Investments.
Other Work Experience:
AIMIA: Senior Director, Head of APAC Strategy: Responsible for strategic initiatives, partnerships, M&A, new business model innovation and loyalty thought leadership for a global loyalty SaaS player
PayPal: Head of APAC Strategy: Responsible for market entry, growth, strategic investments/ partnerships and developing new use cases to improve merchant value proposition & consumer velocity
BCG: Project Leader: Led multiple projects across SEA, Middle East and Australia for clients in telco and travel industries
Prior to Grab, Aimia, PayPal and BCG, Chris started his career with Singapore Airlines, leading the development of SIA’s eCommerce business
Education:
Kellogg School of Management - MBA
University of California, Berkeley – BA (Economics), BSc (Engineering)
Tae Jong Ok is an Assistant Vice President - Analyst with Moody’s Financial Institutions Group. Based in Hong Kong, he is responsible for Moody’s portfolio of banks, securities firms and card companies in Korea and Mongolia.
Before joining Moody’s, Tae Jong worked for CIMB for four years in Seoul, as anequity analyst covering Korean internet and game sectors.He has also worked in Korea for Nomura and RBS for three years in Seoul, as aresearch associate covering Korean banks, insurance, securities firms and card companies.
Tae Jong holds a BA in Business Administration from the Seoul National University
Sonny Hsu is a Vice President - Senior Credit Officer in Moody’s Asia Pacific (ex-Japan) Financial Institutions Group based in Hong Kong. He is responsible for a portfolio of Hong Kong and Taiwan banks.
He has more than ten years of experience as a financial institutions credit analyst, and has covered banks and securities companies in Taiwan, Hong Kong and China.
Sonny has undergraduate degrees in Economics and Computer Science and Engineering from the University of Pennsylvania, and an MBA from the University of Cambridge.
Rebaca Tan is an Assistant Vice President – Analyst for the Financial Institutions Group in Asia. Based in Singapore, Rebaca is responsible for the credit ratings of financial institutions in Vietnam and Thailand.
Prior to joining Moody’s, Rebaca worked as a banking regulator at the Monetary Authority of Singapore.
Rebaca holds a Bachelor in Accountancy (Honours) from Nanyang Technological University.
Alka Anbarasu is a Vice President and Senior Credit Officer for the Financial Institutions Group in Asia. Based in Singapore, she is responsible for the credit ratings of banks in India, Malaysia, Indonesia, Sri Lanka and Singapore. She is also responsible for ratings of non-bank financial institutions in India.
Prior to joining Moody’s in 2013, Alka worked at J.P. Morgan in London for several years, where she was part of the Investment Banking – M&A team for European Financial Institutions. She has also worked for ING Vysya Bank as an Assistant Manager, focusing on retail and commercial banking clients.
Alka completed her undergraduate degree from University of Mumbai and holds an MBA from the Xavier Institute of Management in India.
Mr. Jimmy Tata holds a Masters degree in Financial Management from the Jamnalal Bajaj Institute of Management Studies, Mumbai University and is a Chartered Financial Analyst from the Institute of CFAs – Hyderabad, India. Mr. Tata has been with the Bank since December 1994 and has over 25 years experience in the Banking and Financial sector. His current designation is Chief Risk Officer at HDFC Bank. Mr. Tata is also Director on the Board of HDB Financial Services Limited and International Asset Reconstruction Company Private Limited; and Trustee for the HDB Employees Welfare Trust.
Mr. Sunil Mehta is the Chief Executive of Indian Banks' Association (IBA) which acts as a representative of over 253 member banks and associate members operating in India and plays a collaborative role between banks, regulators and government in improving customer service with a focus on digital banking. Prior to this Mr. Sunil Mehta served as the MD & CEO of Punjab National Bank. He is a seasoned banker with over 37 years of rich experience.
He holds Master’s degree in Agronomy, MBA in Finance and is a Certified Associate of Indian Institute of Bankers (CAIIB). He started his banking career as an Agriculture Field Officer at Allahabad Bank in 1982. Prior to assuming the position of MD & CEO, PNB, he was Executive Director of Corporation Bank.
During the course of his career, he held various important positions in view of his expertise in agriculture, retail, credit and planning & development. He was a member of Govt. of India delegation to Israel in the year 2000 for study of Developmental Model of Hi-tech Agriculture for exploring its implementation in India. He has also attended Management Development Programme at IIM, Kolkata and participated in a seminar on Economic Challenges being faced by developing Economics at Istanbul, Turkey. For his exceptional leadership skills and transformational initiatives, Mr. Sunil Mehta was awarded with “Top Rankers Excellence Award for Entrepreneurial Path Breaker” at 20th National Management Summit organized by Top Rankers Management Club, Delhi in the year 2019.
During his incumbency as MD & CEO of PNB, the Bank has won several prestigious awards and accolades:-
- “Best Performing Bank” among all PSBs under EASE by Government of India. PNB received recognition in four out of the six key themes envisioned under EASE i.e., Customer Responsiveness (Winner), Responsible Banking (Winner), Credit Off-take (Winner) and Deepening Financial Inclusion & Digitalization (Runner Up).
- “Best in Financial Inclusion” for the year 2019 by Business Today and KPMG.
- “Best Performer in Account Growth Rate (Top Depository Participant) and Top Performer in New Accounts opened (Bank Category)” for the year 2018 by NSDL Delhi.
- “IBA Banking Technology Awards” for the year 2019 under the category of “Most Customer Centric Bank using Technology” (Runners Up).
- “Rajbhasha Kirti Shield” for implementation of Official Language Policy in Bank for FY’2017-18 under the category of Nationalized Banks and Financial Institutions in Region ‘A’.
- “Best Performing Public Sector Bank” (2nd Rank) in terms of Aadhaar Generation and Update by Unique Identification Authority of India, Government of India.
Mr. Sunil Mehta was also Chairman, Indian Bank’s Association (IBA); Chairperson, SWIFT User Group, India; Director, National Credit Guarantee Trustee Co. Ltd.; Member (Ex-Officio) on the Board of Trustee of Credit Guarantee Fund Trust for Micro And Small Enterprises (CGTMSE); Member Board of Trustee of Credit Risk Guarantee Fund Scheme (CRGFTLIH); Member of Governing Board of Indian Institute of Bank Management (IIBM) Guwahati. He was also a member of the Insolvency Law Committee (ILC), a standing committee constituted under the aegis of Ministry of Corporate Affairs and member of the Advisory Committee on Corporate Insolvency and Liquidation, IBBI, New Delhi.
Srikanth Vadlamani is a Vice President – Senior Credit Officer for the Financial Institutions Group in Asia. Based in Singapore, he is primarily responsible for the credit ratings of banks and finance companies in India, Indonesia and Sri Lanka.
Prior to joining Moody’s, he was a Director in Daiwa Securities’ research department in Singapore, where he was responsible for the coverage of banks in the ASEAN region. He has also worked for other investment banks, including J.P. Morgan, Lehman Brothers and Nomura, where he covered banks and other financial institutions in India, Southeast Asia and emerging Europe.
Srikanth holds an MBA from the Indian Institute of Management, majoring in Finance and Economics.
Martin Boer is Director of Regulatory Affairs at The Institute of International Finance, a global trade association of the financial industry, with close to 450 members from 70 countries. He advocates on a range of regulatory and policy topics, including regulatory consistency, market fragmentation, impact assessment, prudential capital and liquidity standards and insurance regulation.
He is also the IIF lead on cyber security, with a focus on global regulatory developments, operational resilience maturity, and the impact of cyber events on financial institutions and overall financial stability.
He previously served as Secretary General of the European Financial Services Round Table (EFR) in Brussels, which brings together the Chairmen and Chief Executives of Europe's leading banks and insurance companies. Before that he held various positions at ING Group, as Group Head of Public Relations in Amsterdam and a Senior Manager of Public and Government Affairs in Brussels. He also worked as a consultant for UNDP in Namibia.
Mr. Boer holds a B.A. in Philosophy from UC-Santa Barbara and an M.A. in International Political Economy from the School of International and Public Affairs at Columbia University in New York.
Dr. Michael Taylor is a Managing Director for Moody’s Investors Service. He is also Moody’s Chief Credit Officer for the Asia Pacific region. Michael leads regional research, particularly with a cross-sectoral and macro credit focus, as well as coordinating major regional analytical initiatives.
Michael joined Moody’s after a distinguished career in several leading central banks and international financial institutions, including roles at the Bank of England, the IMF — where as Resident Representative, he was closely involved in the resolution of the Indonesian financial crisis in the late 1990s — and the Hong Kong Monetary Authority as Head of Banking Policy. He was also the Advisor to the Governor of the Central Bank of Bahrain.
Michael has also had a distinguished academic career, including as Reader in Financial Regulation at Reading University. He has published widely on financial stability and financial regulation, and given seminars and lectures at the SaidBusiness School at Oxford University, at Harvard Law School, Columbia University,and The University of Hong Kong.Michael holds a bachelor’s degree as well as a doctorate from Oxford University.
He also holds a master’s in International Business Law from the University of London.
Patrick Winsbury is the Associate Managing Director of Moody’s Corporate Finance and Financial Institutions Groups in Sydney, covering the Australian and New Zealand markets. Patrick moved to Sydney in 2006, following postings in New York and Singapore with Moody’s Financial Institutions Group. He served as the Representative Director for Moody’s Singapore office from 1995-1999, having previously worked in Moody’s Hong Kong and London offices.
Patrick holds a Masters degree from the Cranfield School of Management, a B.A.in European Studies from the University of Bath and a Mineur from l’Université deMontréal.
Emily heads PwC’s Financial Services Risk and Regulation team in Hong Kong.
She has more than 24 years of experience in advising global banks, state owned Chinese banks as well as local financial institutions on new rules and regulations, the implications on financial institutions and the expected procedures implementation.
Emily has led many regulatory advisory and internal control review engagements of a number of financial institutions, providing solutions and recommendations on the organisation structure, risk assessment framework, governance and performance measurement process, control procedures including client on boarding checking and documentation. In addition, she has advised the banks on the regulatory capital requirements, capital planning process, sensitivity analysis.
She also liaisons regularly with the regulators on the insights and perspectives around the emerging issues faced by the financial services industry in Hong Kong as well as globally. This includes digital banking, sustainable finance and ESG, Basel, bank culture and governance, risk management, and many more.
Emily spent a few years in London as a regulatory advisory partner at PwC UK. In her years in London, she worked on a variety of regulatory projects spanning UK and the EU financial services sector. Today, she leverages her global experience to add value for her clients in Hong Kong and the region.
Dai Chang covers ADB’s sovereign operations in Public Management, Financial Sector & Trade Sector and consequent relationships with the governments, executing agencies, and financial institutions in the Central and West Asia region. Among the various projects he has worked on include; the USD 1 Billion Countercyclical Support Facility (CSF), USD 228 Million Small and Medium-sized Enterprises Finance Project, and USD 200 Million Supporting Micro, Small and Medium-sized Enterprises Finance Project for Kazakhstan, USD 100 Million Small Business Finance Project in Uzbekistan, and USD 25 Million Investment Climate Improvement Program in Kyrgyzstan. Concurrently as Head, Project Administration Unit, he is also responsible for project implementation, monitoring, and portfolio management of CWPF. Previously, he was responsible for commercial co-financing in the Private Sector Operations and was ADB’s focal point for the Asian Eximbank Forum.
Prior to his career at ADB, he was the Head of Project Finance and Syndication at Korea First Bank (KFB), covering the bank’s domestic and international project finance businesses, international debt capital markets and international financial advisory work. He has also held positions of Head of Planning & Strategy for International Banking, Head of Long-term Foreign Currency Funding and Head of International Syndication at various stages.
Before Korea First Bank, he has worked in various capacities as a currency trader/controller and investment manager at international investment and commercial banks. Overall, he has more than 30 years’ experience in the international financial sector and has arranged transactions and/or advised governments, major conglomerates and multinational corporations in the Asia Pacific region.
Dai Chang received an MA in International Affairs/Political Economy from Columbia University and a BA in Political Science & Diplomacy from Sogang University. He has also served in the Republic of Korea Air Force with a 1st Lieutenant Commission in the Air Force Headquarters, Air Force Intelligence and the 8th Fighter Wing.
Christine Kuo is a Moody’s Senior Vice President and Group Credit Officer overseeing financial institutions in Asia Pacific. Based in Singapore, she is responsible for promoting the quality and consistency of ratings and rating practices.Christine worked in Moody’s Hong Kong office between 2012 and early 2019,where she was a lead analyst covering large regional banks and Chinese financial institutions. She has also managed Moody’s Greater China banking team, in mainland China, Hong Kong, Macao and Taiwan.Before moving to Hong Kong, Christine was the team leader for Moody’s banking analysts in Singapore, responsible for covering banks in Southeast Asia and India.
Prior to joining Moody’s in 2006, Christine was First Vice President and Head of Fubon Financial Holding Company’s Corporate Development Division, where her major responsibilities were strategic planning and investor relations. Christine has also worked for Morgan Stanley in equity research for the financial sector, with Taiwan Ratings on financial institutions and corporate ratings, UBS in treasury marketing and trading, and Taiwan’s central bank in economic research.Christine graduated with a BA (Honors) and MA in Economics from the University of California, Los Angeles. She is a CFA charterholder and a certified FRM.
Mr. Chartsiri Sophonpanich is President of Bangkok Bank, a leading Southeast Asian bank and Thailand’s market leader in corporate and business banking.
Bangkok Bank’s multi-tiered distribution platform spans more than 1,000 domestic branches and 240 business centers and business desks across Thailand serving more than 17 million customer accounts. Products and services are also provided through digital channels for business and retail customers including mobile and internet banking services.
The Bank has a long-standing presence across Southeast Asia, as well as in China, Japan, Hong Kong, Taiwan, the United Kingdom and the United States. Its international network includes more than 300 branches in 14 economies, the largest overseas network of any Thai bank. Its major international subsidiaries are PermataBank, Indonesia’s 12th largest bank by total assets, serving 3.75 million customers in 62 cities across the archipelago and a pioneer of mobile banking and mobile payment technology in Southeast Asia’s largest economy; Bangkok Bank (China), with six branches providing coverage across the major regions in China; and Bangkok Bank Berhad, with five branches across Malaysia.
Mr. Chartsiri holds Master’s degrees in management and chemical engineering from the Massachusetts Institute of Technology (US) and a Bachelor’s degree in chemical engineering from Worcester Polytechnic Institute (US).
Graeme Knowd is a Managing Director in the Financial Institutions Group and Country Head Singapore. He manages a team of analysts in Japan and Singapore.The team has responsibility for rating financial institutions, including banks,securities firms and other non-bank financial institutions in Japan, South and South East Asia.Graeme has analyzed financial institutions globally for more than 15 years.
Before joining Moody’s, Graeme worked as a sell-side equity analyst at CLSA and Morgan Stanley. Prior to that, Graeme worked for The Bank for International Settlements,where he was involved in risk management and regularly conducted training for central banks throughout the world, particularly in Latin America.He has also worked for other leading financial institutions, such as UBS and S&P,and began his career at the Bank of England. He has worked in London,Switzerland, Tokyo and Singapore.
Graeme has Master’s degrees from the School of Oriental and African Studies,University of London, and Kobe University, where he studied Economics.
Eugene Tarzimanov is a Vice President–Senior Credit Officer for the Financial Institutions Group in Asia. Based in Singapore, he is the Lead Analyst for banks in Southeast Asia, including Singapore, Malaysia, Vietnam, Sri Lanka and Bangladesh.Eugene is also responsible for coordinating banking research across Asia Pacific,and actively represents Moody’s to regulators, investors and the media on analytical and methodological views.Eugene moved to Singapore from Moody’s Moscow office, where he covered the argest banks in Russia, as well as financial institutions in Europe and the Middle East.
Before joining Moody’s in early 2009, Eugene held senior positions during his five years with Standard & Poor’s, where he was responsible for the analysis of banks in Europe and the Middle East.He has also worked at the CEO’s office of Bank VTB, where he was responsible for inhouse research.
Eugene holds an MBA in financial management from New York’s Pace University,and a BSc in international economics from Moscow’s Finance Academy.
Gilbert Kohnke serves as Group Chief Risk Officer of the Company. He has Master of Business Administration, University of Hawaii, Manoa, Bachelor of Commerce (Accounting), University of Windsor, Canada, Bachelor of Arts (Economics), University of Western Ontario, Canada. He has over 30 years of experience in global financial institutions, with a proven track record of risk expertise. He was the Group Chief Risk Officer for Danske Bank AS and OCBC Bank. FY2019 Key Achievement(s): Led Group Risk’s transformation to be enterprise and strategic-focus driven. Significant enhancements achieved in Credit, Portfolio Management, Non- Financial Risk areas, people practices, and training.
Ahmad Siddik Badruddin was appointed as Director responsible for Risk Management in March 2015 after joining Bank Mandiri as SEVP-Retail Chief Risk Officer in May 2014.
He is appointed as the CEO of BARa - Indonesia (Bankers Association of Risk Management)
He has had 29 years of banking experience primarily at Citibank/Citigroup with increasingly bigger international assignments and roles based in 7 countries in Asia (Indonesia, Singapore, Hong Kong and the Philippines), Europe (Germany, United Kingdom) and the U.S.A. (New York).
His last role at Citibank/Citigroup in New York City was Managing Director - Risk Management, responsible for the oversight of North America Cards & Private Label businesses (U.S. & Canada) and unsecured credit portfolios at 13 countries in the Asia Pacific region.
When he was based in London, U.K., he was Managing Director – Risk Management, responsible for the oversight of the consumer loan portfolios in 11 countries in Central/Eastern Europe and the Middle East Africa regions.
He joined Citibank in Indonesia as a Management Associate in 1990 upon graduation from the University of Texas at Austin, U.S.A. (Bachelors of Science in Chemical Engineering and MBA in Information Systems Management with merit scholarship from IBM).
Mr. Dmytro Kolechko holds a Master’s degree in International Business Administration from Kiev National University of Economics. He has over 20 years of working experience in banking industry, with over 14 years in senior leading positions in risk management, including Chief Risk Officer (CRO) at Raiffeissen Bank Ukraine, CRO at Alfabank Ukraine, and CRO for Hypo-Alpe-Adria Bank in Bosnia and Herzegovina. Since 2015 he has held the position of Head of Risk Management Division (CRO) at Vietnam Prosperity Bank (VP Bank).
Rebaca Tan is an Assistant Vice President – Analyst for the Financial Institutions Group in Asia. Based in Singapore, Rebaca is responsible for the credit ratings of financial institutions in Vietnam and Thailand.
Prior to joining Moody’s, Rebaca worked as a banking regulator at the Monetary Authority of Singapore.
Rebaca holds a Bachelor in Accountancy (Honours) from Nanyang Technological University.
Frank Mirenzi is a Vice President – Senior Credit Officer in Moody’s Financial Institutions Group in Sydney. Frank covers a number of Australian major and regional banks. He is also the lead analyst for the Australian insurance sector.
Prior to join Moody’s in October 2013, Frank worked as an analyst, most recently with Royal Bank of Scotland plc, covering Australian banks and insurance entities.
He holds a Bachelor of Economics from Macquarie University.
Julia is a senior executive withextensive experience in the private sector principally in finance, technology,sustainability and risk management. Currently she is Global Head of Government and Industry Affairs in Sustainable Finance and Risk for Refinitiv, one of the world’s largest providers of financial markets data, Infrastructure and Risk Intelligence.
She has spent the last 20 years in finance and capital markets predominantly with UBS Investment Bank, The Royal Bank of Scotland, AMP Capital investors and Refinitiv. Here she led teams,service delivery, transformations and market development in OTC Derivatives,Post Trade, Prime Brokerage, CRM, Risk technology and sustainable finance.
Julia now works with Industry to further advance the integration of sustainability into the financial system and consults on policy and regulatory reform to enable the transition to a low carbon economy. Julia is an Alumnus from the University of Canterbury, New Zealand and the University of Cambridge’s Institute of Sustainable Leadership.
Her publication ‘Sustainable Development Goals: Harnessing Business to achieve the SDG’s through finance,technology and law reform’ can be found on Amazon and any good book store.
Gautam is responsible for managing all risks areas across HSBC’s operations in Singapore covering all the global businesses across nine legal entities. He has over 23 years of experience in Risk & Compliance areas within the financial services industry, large part of which has been within HSBC doing a variety of country and regional roles across five geographies. His past roles include CRO HSBC Australia, Head of Wholesale Credit Risk for Asia Pacific & CRO HSBC Mauritius.
Gautam is very passionate about environmental issues, and works very closely with the industry to drive opinions. He co-chaired Monetary Authority of Singapore (MAS’) Working Group that drafted the regulatory guidelines on Environmental Risk Management (EnRM) for banks, as well as the Chair of the sub-group looking at the risk management areas. He currently chairs the EnRM work-stream under the Financial Centre Advisory Panel (FCAP) on Green Financing formed by MAS to help develop the country’s road map to be a leading centre in this area, and is very actively involved with the industry in capacity building around EnRM in Singapore.
Over the past several years, Gautam has also been actively involved on innovation and with the Fintech ecosystem as well as Singapore Fintech Festival (SFF). He has been the advisor and mentor to a number of Fintechs (including two of the eventual winners at SFF), and privileged to be on the demo-day judging panel for the Global Hackcelerator programme at SFF 2019. He also sits on the selection panel to decide on the winners for the MAS Fintech awards announced at the SFF.
Frank Mirenzi is a Vice President – Senior Credit Officer in Moody’s Financial Institutions Group in Sydney. Frank covers a number of Australian major and regional banks. He is also the lead analyst for the Australian insurance sector.
Prior to join Moody’s in October 2013, Frank worked as an analyst, most recently with Royal Bank of Scotland plc, covering Australian banks and insurance entities.
He holds a Bachelor of Economics from Macquarie University.
Alka Anbarasu is a Vice President and Senior Credit Officer for the Financial Institutions Group in Asia. Based in Singapore, she is responsible for the credit ratings of banks in India, Malaysia, Indonesia, Sri Lanka and Singapore. She is also responsible for ratings of non-bank financial institutions in India.
Prior to joining Moody’s in 2013, Alka worked at J.P. Morgan in London for several years, where she was part of the Investment Banking – M&A team for European Financial Institutions. She has also worked for ING Vysya Bank as an Assistant Manager, focusing on retail and commercial banking clients.
Alka completed her undergraduate degree from University of Mumbai and holds an MBA from the Xavier Institute of Management in India.
Yulia Wan is an Analyst with Moody’s Financial Institutions Group in Asia. Based in Shanghai, she is responsible for a portfolio of banks in Mainland China.
Yulia has over 10 years’ experience in researching and analyzing Chinese financial institutions, including through roles at Accenture Co, Ltd in Shanghai, Xinhua Finance and Royal Bank of Canada.
Yulia got Chartered Financial Analyst designation in 2003. She holds an MBA from the Richard Ivey School of Business, and a BA and MA from the University of International Business and Economics in Beijing.
Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong, Sally is responsible for Moody’s analytical teams covering ratings and research on Asian (including Japan) insurers, Greater China banks, and North Asian (excluding Japan) non-bank financial institutions. Sally joined Moody’s in February 2005 as an Associate Analyst in New York,covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities companies.
Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst &Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.
Mr. Kenneth Tsao is the CEO of E.Sun Bank (China) Co. Ltd. The bank was established in 2016 as a 100% owned subsidiary of E.Sun Financial Holding Co. (2884.tw). Under Kenneth’s leadership, E.Sun (China) has become a leading bank among 14 Taiwanese banks in China. Kenneth is a seasoned banker with 25+ years experience in the Global Market, Corporate Banking as well as SME fields. Prior to his current position, he worked for Temasek/DBS China as the Managing Director from 2010-2016. From 2008 to 2010, Kenneth was hired as Head of Corporate/SME bank for TC Bank in Taiwan. Kenneth started his career as Citibank MA in 1992. He took on a variety of roles over 14 years in Citibank Taiwan/China including Treasury, Corporate Banking and SME departments. Kenneth was also recruited by Deutsche Bank Taiwan as the Head of Global Market /Treasurer between 1997-1999. Kenneth has a highly respectable reputation in the Greater China banking market and has maintained long-term relationships with major corporate clients and regulators.
Kenneth Tsao holds a MBA from National Taiwan University and a BS in Mechanical Engineering from National Taiwan University.
Swee-Ching Lim is a Portfolio Manager with Western Asset and has more than 21 years of experience. Prior to joining the Firm in 2012, Mr. Lim served
as a Credit Analyst in Portfolio Management with Barclays Capital, a Research Analyst with Morgan Stanley and an Investment Banking Analyst with UBS.
Mr Lim holds a Bachelor of Arts degree from Dartmouth College.
Ray Heung is Senior Vice President in the Financial Institutions Group with Moody’s and covers a portfolio of Chinese banks.
He joins Moody’s after 7 years with BNP Paribas, where he held roles including theHead of Asia Sector Specialists in the fixed income trading team and Investment Strategist with the bank’s wealth management business.
Before joining BNP Paribas in 2009, he was a senior member of UBS fixed income research team from 2007-2009. Mr Heung started his fixed income career with Morgan Stanley in 2004. Prior to his fixed-income research career, he was an equities analyst covering financial institutions for CLSA, HSBC and Donaldson,Lufkin & Jenrette Asia.
Mr Heung graduated with a BSc in Environmental Science from the University of Hong Kong in 1993 and received his MBA from the Hong Kong University of Science and Technology in 1995.