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Banking on Cooperative Values

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Business Model

Guest speaker: Johanne Amestonn: Director of Cooperative Strategy, Training and RSE

The (internal) perception of the Cooperative business model : The results of FNBP’s thorough survey with nearly 9000 employees from the 14 Banques Populaires by FNBP (France)

The cooperative model is at the heart of the Banques Populaires, and the members are its pillars. Since 1878, the bank’s leaders and employees embody and carry this model, at the service of our members and customers.

A first cooperative survey, carried out in the beginning of 2023, was intended for all employees of the 14 Popular Banks. Nearly 9000 answers and more than 23 000 verbatims gave us a better idea of the understanding and attachment of Banques Populaires employees to this model.

The survey also enabled us to adapt the training and information programs they ask for, in addition to the roadmap formalized by the leaders of the popular banks cooperative dynamic. The principle remains to go further together: “add strengths and multiply chances”, more than ever.

Guest speaker: Gabriel Lombet: Member of the executive committee of Banque CPH, in charge of Retail and Marketing

Small is beautiful Simple is efficient by Gabriel Lombet CPH Banque

How can a cooperative bank of 220 people find its place in the banking market and offer its customers a high-quality and appropriate customer experience?

Employing 220 people and with only 28 agencies, how can Banque CPH find its place in the banking market and offer its customers a high-quality service and satisfying experience ?

Discover the key figures of Banque CPH to better understand who we are. What are the pillars of our organisation which help combine a high-quality service to our customers (explaining how quality is defined) with being profitable, controlling our costs and creating motivation within teams?

Can our model be inspiring for other CIBP members ?

Guest speaker: Henriqueta Chaves: Manager of Human Resources

(Re)structuring of People Management Strategies: The Challenges and Achievements of the HR Team by Sicoob

Since 2020, the entities that make up the third level of the Sicoob structure have carried out a movement to unify practices and policies.

The HR area played a fundamental role in this process, establishing programs, actions and artifacts that promote unity for people management.

Third Level of the Sicoob Structure means Sicoob Cooperative Centre, which includes:

A confederation;
A cooperative bank;
An institute focused on strategic social investment;
A distributor of securities;
A processor and flag of cards;
A pre-purchase financing pool administrator;
A complimentary private pension plan entity;
A life insurance and social security company.

Guest speaker: Monika Tögel: Sustainability Officer for the Association of Volksbanks in Austria, Certified CSR Expert

Sustainability as a company's DNA - practical example based on a regional cooperative bank by VOLKSBANK WIEN

After introducing the Association of Volksbanks in Austria the path of implementing sustainability – from paper to reality – will be shown in this SPARK.

This includes the sustainability principles of Volksbank Association in Austria, the process of materiality analysis, communication and how the “Project Sustainability” was built up, successfully completed and the integration of sustainability into all areas and processes of Volksbank Association was reached.

Guest speaker: Pedro Murua: CFO, Responsible for Cooperative’s financial management, including the funding initiatives in local and international markets, COOPEUCH, Chile

The relationship with the Regulator: How Chilean cooperatives remain competitive under strong regulation measures (Part II) by COOPEUCH (Chile)

In a more global world, cooperatives usually participate in the same market with banks, helping to develop of the capital markets and countries where they are.

Nevertheless, it is difficult to imagine the rules applied are not the same just because the different nature of the entities.

Chile, despite of being one of the more developed country in the region, is a good example of this. Central Bank liquidity facilities, including the window discount Access, are reserved only for banks.

This is worst, if we consider rating agencies apply the same worldwide banking methodology to qualify all entities, punishing Chilean cooperatives and its ratings with all reputation and finance consequences.

We will talk about the importance of the regulation and the way that Chilean cooperatives have found to maintain competitiveness, despite unfair rules imposed, and how they have been working with the authorities pursuing a structural change in the system.

Guest speaker: Carlos Eduardo Primão: IT Development Manager

SICOOB Moob : Communication Optimization

Moob is the SICOOB application that facilitates and encourages contact between the member and his cooperative.

With it, it is possible to access the main data of the institution, receive and manage invitations to events, negotiate published goods and much more.

SICOOB Moob has different features like:

My Cooperative, complying with the principles of transparency towards the member, allowing quick access to updated information about the institution, large numbers and total assets.

Business Community, enabling the announcement and negotiation of goods, products and others.
Event Management of events from your cooperative through the mobile application.

News Feed, following the news on the most diverse subjects: technology, culture, economy, new services, lines of credit, agriculture and much more.

Guest speaker: Stefan Resetarits : Regulartory Affairs ÖGV, Austria

The Role of Renewable Energy Cooperatives in the Climate Transformation in Austria

With the newly adopted Renewable Energy Expansion Act which entered into force at the end of July 2021, Austria aims to achieve the goals of the Paris Climate Agreement 2015.

The act creates new framework conditions for the expansion of renewable energy in Austria. New actors were introduced to the energy market in Austria. One of them ist the Renewable Energy Community (EEG), which can also be established as a cooperative. An EEG can produce electricity from renewable energy sources and consume, sell or store this electricity.
In order to create new business opportunities and do its part in the transition to a climate neutral economy, ÖGV has formed an cooperation with PowerSolution, a provider of technical assistance to EEGs and the Volksbanken, which can offer the finanical means and banking services to establish an EEG and expand its production of electricity.

What is the purpose of an EEG, who can be its members and what are the advantages for the members? All this will be covered during the session.

Guest speaker: Pedro Murua : CFO, Responsible for Cooperative’s financial management, including the funding initiatives in local and international markets, COOPEUCH

The COOPEUCH relationship with the Regulator

How Chilean cooperatives remain competitive under strong regulation measures

In a more global world, cooperatives usually participate in the same market with banks, helping to develop of the capital markets and countries where they are.

Nevertheless, it is difficult to imagine the rules applied are not the same just because the different nature of the entities.

This CIBP SPARK reminds us about the importance of the regulation and the way that Chilean cooperatives have found to maintain competitiveness, despite unfair rules imposed, and how they have been working with the authorities pursuing a structural change in the system.

Guest speakers: Louize Pereira Oliveira: Financial Citizenship Supervisor Sicoob Insititute & Marcelo J. Angulo, : Head of Division, Department for Financial Citizenship Promotion Central Bank of Brazil

SICOOB's Financial Capacity Agenda and Brazil Central Bank's on promoting Financial Education

How both organizations’ approach to engaging Financial Service Providers.

BCB launched a strategic agenda on financial education for financial service providers to integrate financial education into their day-to-day operations and interactions with consumers.

According to the report published by Money and Pensions Service , “Financial capability is the ability to manage money well – both day-to-day and through significant life events. Capability comprises more than just skills knowledge. It also encompasses behaviors, attitudes, motivations, and the degree of connection to the financial system”.

In Brazil, more than 50% of families are in indebtedness situations, according to the data published by Central Bank in November 2021.

In addition, the Central Bank published a special recommendation – to all financial institution – with principles to promote the financial capacity.

In consonance with all of this, Sicoob approved the Financial Capacity Agenda that has been developed in collaboration by a group of high-level professionals from several areas at Sicoob.

Guest speaker: Ludovic Favarette: Director of Institutional Relations, Democratization and Data Support INNOVATION, DATA and DIGITAL DEPARTMENT BPCE, France

Data - The Fuel of Digital

We have been talking a lot since 2017 about digital transformation. It is also very often said that there is no longer a Business without digital, but less often it is said that there is no Digital without Data!

So, why is data important for Digital?
Why is it crucial to invest in the subject of data?
How to make the right technological choices?
How to increase the skills of our teams?
Where to start ?

Guest speaker: Luiz Edson Feltrim: Director, SICOOB Institute, Brazil

SICOOB Institute's Strategic Social Investment

The Sicoob Institute for Sustainable Development is the Strategic Social Investment Organization of the Brazilian Credit Cooperative System (Sicoob) and mobilizes a large force that involves the participation of employees and leaders of SICOOB cooperatives and the central bank, to act as transforming agents with the communities, sharing the values and principles of cooperativism, promoting entrepreneurship, financial citizenship and local sustainable development, connecting people to a more collaborative world.

Guest speaker: Mathieu Desmet: Head of IT and Payments – Board Member, Banque CPH, Belgium

Open Banking in the omni-banking channel strategy: CPH's case study

The current digital revolution is changing the behaviour and the preference of people.

The user experience and the costumer journey are important concepts nowadays meaning that processes and applications must be designed around the clients. People want to choose their communication channel as much as possible and a channel from a third party can be valuable option. The European Commission forced European banks to open its payments services, but this regulation is also an opportunity to focus on the core functionalities of the bank’s own applications.

Guest speaker: Ing. Mag. Alexander Riess: Head of Human Resources and Transition Leader, Volksbank Wien, Austria

Home Office: Digital and Personal (R)Evolution

How did the COVID-19 crisis change the traditional Banking view on Home Office?

The COVID-19 crisis changed the traditional banking view on home office drastically. The sudden tailwind caused an unbelievable change of mind and enabled a technological and procedural breakthrough, which otherwise would have taken years to be achieved.

The SPARK will provide you with insights regarding the digital and personal home office (r)evolution of the Austrian Volksbanken Association.

It shall provide you with some learnings, fresh ideas and confirmation that you haven’t been alone with your home office challenge.

Guest speaker: Carlos Orella: Strategic Planning and Experience Manager, COOPEUCH, Chile

The distribution of the surplus to members

Allocating Surplus in cooperative Business to describe a business’s profit.

The distribution of the surplus to its members – result of the previous year- represents a great milestone for COOPEUCH, since it is a moment in which the member experiences concretely one of the great benefits of belonging to our cooperative. For this to be possible, the Meeting of Delegates defines forms of calculations and amounts to be delivered.

Being close to the members in this difficult times of pandemic, COOPEUCH brought this Meeting forward to the first days of April, an instance carried out remotely. The total result of 2020 defined to be distributed in 2021 amounts USD$ 74 Millions.

Guest speaker: Pierre-Henri Grenier: Executive Director of the Bank of the Energy Transition, BANQUE POPULAIRE AUVERGNE RHÔNE ALPES, France

Green banking: Welcome to the Bank of the Energy Transition!

The new Energy Transition entity is entirely dedicated to collecting green savings and financing projects committed to the energy transition in our region. Through it, BPAURA plays fully its societal role: that of a central player able to support the transformation of the economy in response to energy, ecological and environmental challenges. It thus illustrates the best possible way of modernity and adaptability of our cooperative and regional bank model serving the inhabitants of our territory.

2020

Guest speaker: Christian Patiño: Chief Digital Officer, and Rubén Ulloa, Corporate Development Manager, COOPEUCH, Chile

Digital impact on the growth of cooperative members

For the last four years, from the beginning of the 2017-2021 strategic plan, Coopeuch proposed an important challenge to work on Digital Development. This new strategic focus should drive Coopeuch’s growth both in the number of members and in the size of the credit and savings business, also strengthening the experience level of users who are increasingly closer to use of technology.

This important work in digital development is already showing clear evidence of the impact on business growth and especially on the scope of services and care that Coopeuch provides to its members, even more so in the tough months of Covid-19 pandemic.

Guest speaker: France Michaud: Director of Communications, MOUVEMENT DESJARDINS, Canada

Développement International Desjardins (DID) – 50 years of commitment and investment in international development

Développement international Desjardins (DID) is celebrating its 50th anniversary this year! 50 years of promoting the cooperative model and innovative practices of the Mouvement Desjardins in order to improve access for all to financial services and thus increase the autonomy of the less privileged populations of the planet.
Join this Spark to discover some of the projects led by DID and the new investment fund that has just been set up.

Guest speakers: Laurent Bourguignat: Head of Strategy, Pascal Krug: Director of Transformation and Customer-Collaborative Experiences, François Batiot: Head of Innovation Lab Banque Val de France, BPVF, and Fédération Nationale des Banques Populaires, FNBP, France

IT agility and cooperative support to members in times of crisis by Banque Populaire, France

The Banques Populaires network and more specifically Banque Populaire Val de France share their experience on how they support their members during these exceptional times.

COVID-19 Scenario

Bancoob explains the situation in Brazil and the measures adopted both at publich and insitutional level to face the pandemia (March 2020)

Guest speaker: Rodrigo Araujo: Manager, BANCOOB, Brazil

General data protection: Implementation challenges

Carla Castro, Cybersecurity Manager, addressess how they manage Data Privacy at Bancoob

Guest speaker: Carla Castro: Cybersecurity Manager, BANCOOB, Brazil

BPCE & FINTECH: A win-win situation

Stéphane will present why and how the BPCE Group collaborates with the digital ecosystem to serve its innovation strategy, and how the group works with start-ups

Guest speaker: Stéphane Hannache: Digital Ecosystem Partnerships Manager – Digital & Data, Groupe BPCE, France

SICOOB’s connection – Youth attraction strateg

Debora shared the strategy of attracting young people to the Sicoob System, the partnership with Brasil Júnior (Brazilian Confederation of Junior Enterprises), and the main milestones of Sicoob’s Connection project.

Guest speaker: Debora Ingrisano: Marketing Manager, BANCOOB, Brazil

Guest speaker: Marc-André Malboeuf: Vice-President HR, DESJARDINS Group, Canada

Promoting diversity and inclusion by Desjardins Group

Desjardins Group shared with us the initiatives they are taking to promote diversity and inclusion within the organization.

Diversity and Inclusion at Desjardins it is an important matter for a number of reasons: to be a representative of their community and clients; facing a social portrait in constant evolution; workforce shortage tends to become a permanent reality on the job market; organizations with a culturally diversified workforce are 35% more likely to deliver a superior performance.

Conscious of the women challenges, Desjardins Group shared with us the programs they implemented to propel female leadership within the organization.

Guest speaker: Carlos Orella: Planning and Experience Manager, COOPEUCH, Chile

Cooperathon

Coopeuch shared with the CIBP community their experience in organizing for the first time the Cooperathon in Chile: the largest Social Open Innovation Competition in the world. The event took place in Valparaiso during October and November 2019.

The competition addressed 3 main themes in line with the sustainable development objectives set by the United Nation:

-Finances: for inclusive, accessible and responsible finances

-Health: for an accessible and sustainable health system

-Environment: for a sustainable environment and protection of biodiversity.

Guest speaker: Mathieu Desmet: Chief Information Officer, Banque CPH, Belgium

PSD2: The European open banking experience

As the PSD2 (Revised Payment Service Directive) becomes implemented, banks’ monopoly on their customer’s account information and payment services is about to disappear. In short, PSD2 enables bank customers, both consumers and businesses, to use third-party providers to manage their finances.

While such a Directive is already a reality in Europe, there are other regions in the world, like in Latin America, that are likely to follow with regulations largely inspired in the PSD2.

The Spark covered the implication of such a Directive in Europe and how Coop Banks have been preparing for its implementation.

Guest speaker: Horst Weichselbaumer-Lenck: CDO, Volksbank Wien AG

Our way of innovation

Innovation departments are increasingly an important element within banking organizations as digital disruption is at the forefront of today’s business.

Taking the insights from Volksbank Wien AG, we discussws their way of innovation and how they put customer experience at the center of their innovation process.

Inside the mind of a hacker

It is critically important to know how cyber criminals target their victims, what you can do to reduce the risk and make it more challenging for the attackers who steal your information, your identity or your money. This session explains how outside attackers or malicious insiders can exploit vulnerabilities using examples such as a compromised email account password that escalates into a full-blown breach of network security

Guest speaker: Joseph Carson: Chief Security Scientist & Advisory CISO

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