Institution	Country	Representative
Barclays	UK	Matt Hammerstein
Dutch Banking Association	Netherlands	Koen Holdtgrefe
Raiffeisenzentralbank	Germany	Gebhard Kawalirek
Deutsche Bank	Germany	Andrew Procter
Association of German Banks	Germany	Jan Philipp Nolte
Deutscher Sparkassen- und Giroverband	Germany	Hartmut Kämpfer
Banco Santander	Spain	Antonio  H Garcia del Riego
Swedbank	Sweden	Erkki Raasuke
Italian Banking Association	Italy	Enrico Bernardi
Nordea	Nordic and Baltic sea region	Lars-Olof Andreasson
Unicredit Group	Italy	Marco Lagana
Observers
Institution	Country	Representative
European Banking Federation (EBF)	Belgium	Noemie Francheterre