2023 European Banking System Outlooks
In this webinar, Moody’s analysts will discuss the 2023 Banking System Outlooks globally, with a particular focus on Europe where outlooks on most of the large 10 European banking systems remain stable.
- Most global banking system outlooks are stable but inflation remains a challenge and geopolitical risks are still significant.
- In Europe, most banking sectors will experience a deteriorating operating environment over the next 12-18 months, with slower growth and continued high inflation.
- Whereas asset risk is expected to deteriorate in several of the European banking systems, in some systems this will be offset by improving profitability – as banks benefit from higher interest rates.
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SpeakersCarola Schuler Managing Director, EMEA Banking Moody's Investors Service
Louise Welin Vice President - Senior Credit Officer, EMEA Banking Moody's Investors Service
Alberto Postigo Vice President - Senior Credit Officer, EMEA Banking Moody's Investors Service
Edoardo Calandro Vice President – Senior Credit Officer, European Banks Moody's Investors Service
Fabio Iannò Vice President - Senior Credit Officer, EMEA Banking Moody's Investors Service
Swen Metzler Vice President – Senior Credit Officer, EMEA Banking Moody’s Investors Service
Yasuko Nakamura Vice President – Senior Credit Officer, EMEA Banking Moody's Investors Service
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Carola Schuler is a Managing Director in the Europe, Middle East and Africa banking team, based in Frankfurt. In this capacity, she is responsible for Moody’s analytical teams that rate banks primarily in the UK, the Eurozone and Central and Eastern Europe as well as non-bank financial companies across Europe. Carola has extensive experience in credit analysis and managing credit professionals.
Furthermore, Carola plays a leading role in Moody’s Environmental, Social and Governance (ESG) integration efforts. Moody’s is committed to incorporating ESG risks into its credit analysis and Carola is one of Moody’s global coordinators of ESG analytical, research and outreach initiatives for financial institutions.
Prior to joining Moody’s in 2008, Carola was a Director at the credit risk management division of Deutsche Bank where she worked in a number of different analytical and managerial functions in Germany and abroad, covering corporate finance, leveraged finance, financial institutions and sovereign risk across Europe, including time spent in Brussels (Belgium).
Carola has a double German-French Diploma in Business Administration from Hochschule für Technik und Wirtschaft des Saarlandes (HTW), Saarbrücken /Germany and the University of Metz/ France.
Louise joined Moody’s in November 2016 and is the lead analyst for most large Nordic banks.
Prior to joining Moody’s, Louise spent nine years at Standard & Poor’s. She initially worked as a senior credit analyst in the Sovereign and International Public Finance Group, and thereafter in the Financial Institutions Group - during the global financial crisis. The last 4 ½ years at S&P, Louise headed up the rating agency’s Banking Industry Country Risk Assessments (BICRAs), the key element of bank ratings, globally.
Prior to working at Standard & Poor’s, Louise spent ten years at the European Commission in Brussels, primarily working with macroeconomic forecasts and analysis at the Directorate General for Economic and Financial Affairs (DG ECFIN), and a couple of years working with EU affairs at the Swedish Ministry of Finance and Central Bank. Louise holds a Master of Science in Business Administration and Economics from Uppsala University.
Alberto Postigo joined Moody’s Inverstors Service in 2002. He is currently based inMadrid with responsibilities as lead analyst for a number of Spanish banks. Beforejoining the Financial Institutions Group, Mr. Postigo worked in the structuredfinance group for six years, mostly in the analysis and rating of ABS transactions.
Before joining Moody’s, Mr. Postigo worked at Lucent Technologies as a seniorconsultant in the switching and networking group. Mr. Postigo holds a degree inTelecommunications Engineering by the Universidad de Valladolid as well as adegree in Economics and Business Administration by the Universidad Autónomade Madrid.
Edoardo Calandro is a member of the EMEA Banking Team, where he is the lead analyst on a portfolio of Italian banks.
Fabio Iannò is in charge of a portfolio of Italian and Irish banks.
Prior to joining Moody’s in March 2018, Fabio was a Director at Fitch Ratings in London for 7 years covering Italian banks. Before Fitch Ratings he worked for Deloitte & Touche in New York (2008 - 2009) as Senior Consultant in the Capital Markets division and in Milan (2004 - 2008) in the audit department.
Fabio holds an MBA - Master in Business Administration (SDA Bocconi) and an MSc in International Business (Bocconi University).
Swen joined Moody’s Investors Service in August 2010 as a member of the of the Financial Institutions Group. He is the lead analyst for several German, Austrian and Swiss banks.
Prior to joining Moody’s Swen was a portfolio manager and buy- side analyst for global banks and financial institutions with Deka Investment, Frankfurt. He graduated in Business Administration from Goethe University of Frankfurt and is a CFA Charterholder.
Yasuko has lead responsibility over a portfolio of French, Dutch and Belgian Banks. Prior to joining Moody’s in 2011, Yasuko spent ten years at Societe Generale Asset Management (SGAM), the last seven of which as a buy side credit analyst covering financial institutions. Prior to this, she worked for seven years as a financial auditor with Ernst & Young in Paris.
Yasuko is graduate of Ecole Superieure des Sciences Economiques et Commerciales (ESSEC) in France. Yasuko is also a CFA charterholder.