In the series Legal Colloquia of the National Bank of Romania
XXVIIth Edition
The Banking Law Conference
Transformations in the bank – customer relationship. Evolutions, mutations, predictions
Faculty of Law, West University of Timișoara
Timișoara Business Law Centre
Friday, 31 March 2023
The eleventh edition of the Banking Law Conference of Timișoara, with the theme Transformations in the bank – customer relationship. Evolutions, mutations, predictions, will be held on 31 March 2023 at the National Bank of Romania – Timișoara Branch and will be streamed live on the platform www.juridice.ro.
The conference is part of the prestigious series Legal Colloquia of the National Bank of Romania, and is organized by the Faculty of Law, West University of Timișoara, in collaboration with the National Bank of Romania – the Legal Department. The conference hosts professors from law and economics faculties, as well as top-level experts from the National Bank of Romania, credit institutions and law firms.
The aim of the conference is to discuss the current and complex issues of the transformations occurred in the relationship between banks and their customers, professionals or consumers. This relationship, whose temporal evolution coincides with the history of the banking activity, has undergone an accelerated metamorphosis in recent years, marked by disruptive phenomena that have produced real mutations in both corporate and retail relationships. Massifying access to banking services and optimizing financial inclusion, diversifying the areas of financial intermediation and increasing competition in the field, responsible and sustainable financing, integrating fintech tools into the business processes of banks, rethinking the infrastructure used in banking and its interconnection with digital platforms and applications, automation of processes and decisions by an appeal to artificial intelligence are just some of the challenges facing the financial-banking industry today. If the recent exogenous crisis- type events are added to these transformations, which test the resilience of economies in general and of the financial-banking systems in particular, the picture becomes even more complex. The premise from which the debate starts is that, if developments in banking have constantly sought to reach higher and higher standards of efficiency, from the perspective of security, costs and flexibility, the financial-banking systems are currently going through a stage of structural mutations, in which the ability of law to respond to new challenges is also verified. The conference brings together theorists and practitioners in the field, in an attempt to make an accurate scan and a realistic forecast.
This event takes place under the auspices of the European Association of Banking and Financial Law (AEDBF Europe) and is financially supported, along with the organizers, by the Romanian Commercial Bank. The media partner of the conference is juridice.ro.
Conference Programme
National Bank of Romania – Timișoara Branch Bd. Ion C. Brătianu no. 1
Friday, 31 March 2023, 9-16
9:00 – 9:15 Opening of the conference
Alexandru Păunescu, Head of the Legal Department, National Bank of Romania Professor Lucian Bercea, Dean of the Faculty of Law, West University of Timișoara
9:15 – 11:00 Session I
Alexandru Păunescu, Head of the Legal Department, National Bank of Romania
Digital Transformation, competitive advantage or challenge?
Professor Silviu Cerna, Faculty of Economics and Business Administration, West University of Timișoara, former member of the Board of Directors, National Bank of Romania
The impact of inflation on banks
Alexandru Berea, Head of the Legal Department, Romanian Commercial Bank
Trends in the evolution of the customer-bank relationship and their potential legal implications
Mihai Selegean, Deputy General Manager , BRD – Groupe Société Générale
The bank-customer relationship: nothing is lost, nothing is deleted?
Daniel Nicolaescu, Head of the Legal Department, Raiffeisen Bank
The future of the customer-bank relationship from a regulatory perspective. The myth of risk sharing and the chimera of eliminating hazard
11:00 – 11:30
11:30 – 13:00
Coffee break
Session II
Professor Radu Rizoiu, Vice Dean, Faculty of Law, University of Bucharest
The Phantom Menace or the Phantom of a Menace? About the mortgage on receivables
Senior Lecturer Cristian Paziuc, Faculty of Law, University of Bucharest
The impact of legislative changes regarding the capacity and protection of the natural person on banking law relationships
Alina Radu, Partner Lawyer, Nestor Nestor Diculescu Kingston Petersen (NNDKP)
The future of banking services – the role of people, innovation and legal regulations
Dr. Ioan Șumandea-Simionescu, Researcher, Faculty of Law, ”Babeș-Bolyai” University Cluj-Napoca, Head of Corporate Governance and Capital Markets Service, Transilvania Bank
Sustainable finance: a reconsideration of the bank-customer paradigm?
Simona Petrișor, Partner Lawyer, Bondoc & Asociații
The future of bank finance includes sustainable finance?
13:00 – 14:00 Lunch
14:00 – 15:45 Session III
Senior Lecturer Sergiu Golub, Vice Dean, Faculty of Law, ”Babeș-Bolyai” University Cluj-Napoca
The impact of insolvency prevention procedures on banking
Stan Tîrnoveanu, Partner Lawyer, Laura Retegan, Managing Associate, Zamfirescu Racoți Vasile & Partners (ZRVP)
Essential or less essential, how to enforce ongoing contracts in the insolvency prevention proceedings?
Ciprian Chiorean, Head of the Legal Department, Vista Bank
Bank accounts opening by means of video identification
Alina Tihan, Senior Counsel, CMS Cameron McKenna Nabarro Olswang
Evaluation and allocation of risks in the bank-borrower (company) relationship in the context of financing
Cătălin Georgescu, Managing Associate, Țuca Zbârcea & Asociații (TZA)
The impact of recent European regulations concerning non-financial reporting on financial relationships
Professor Lucian Bercea, Faculty of Law, West University of Timișoara
Cost transparency in the bank-customer relationship: pure mathematics or an exercise of imagination?
15:45 – 16:00 Conference conclusions