Presentation
Banks' Cost of Funding Mortgages - How High and Why?

• Where do banks get their funding?
• How has the cost of that funding changed?
• How does the cost of funding for big banks and smaller banks compare?
• Where is the cost of funding heading?
• What does this mean for mortgage pricing and competition in Australia?

Mark Mullington, Chief Financial Officer, ING Direct

• The return of securitisation and the outlook for Australia in a choppy market
• Will covered bonds improve competition in mortgages beyond the big four banks?
• What are the alternative funding options in addition to securitisation in the future?
• Is there a uniquely Australian solution to the funding shortfall and challenges in the capital restrained global capital markets?  

• Regulation as a positive for the mortgage banking sector
• Innovative policy ideas to support securitisation
• Why will Australian RMBS become more important to fixed income portfolios?

Presentation
The new credit regime

• The rationale for the regime
• The key requirements for mortgage industry participants
• Timing
• Phase 2

Gerard Fitzpatrick, Senior Executive Leader-Credit, ASIC        

• Issues in the capital markets
• What it means to lenders?
• What is MARQ?
• The benefits of MARQ
• Why Perpetual?

• The Product Innovation development cycle   
• How can the smaller financial institutions be competitive with the majors?
• What is the Australian Industry looking forward to?
• The lessons to learn from the GFC here and offshore

• How can we use what we now know from data collected on mortgage origination to better understand risk evaluation?
• The modular mortgage 
• What could pricing for risk do to change how mortgages are offered in the future?
• Is it a viable option?

Stephen Campbell, Head of Credit Risk Management, QBE LMI
Mary Ploughman, Director, Securitisation, Resimac
Fiona Larnach, Partner, Ernst & Young
Nigel Dunn, Head of Credit Risk, Bankwest
Facilitator: Jenny Boddington, Head of Risk & Operations, QBE LMI

• RP Data – Rismark Hedonic Home Value Index
• Attributes of property data
• Monitoring transaction volumes
• Leading indicators including listings and CMA reports

• Data elements evaluated for a heterogeneous asset class
• The value of a volatility index
• The risk-reward equation

Presentation
Back to the future – Should credit be loosened given the improving economic outlook?

• Insights from the past
• Understanding Risk
• Upholding Quality

Paul Caputo, Chief Risk Officer, Genworth Financial
If you would like a copy of this presentation, please email Emma.Rumble@genworth.com

• Transition to advice in the mortgage broker market
• The choice of a broker:

• The pros and cons and business case of comprehensive reporting
• The likely time frame of the rollout of comprehensive reporting in Australia
• What are  possible impacts across the mortgage supply chain?
• The technology challenges and efficiencies of implementing comprehensive reporting discussed.

Presentation
The opportunity offered within the Australian mortgage value chain

• Challenges for the banking sector and funding outlook for the next few years
• Opportunities for the Banking Sector over the next decade
• CBA’s mortgage processing journey and future opportunities

Ross McEwan, Group Executive Retail Banking Services, Commonwealth Bank

• Mortgage aggregation can be a driving influence in innovation across the mortgage supply chain
• Service delivery and efficiency is the value proposition. How do we improve on both fronts?
• What will a truly portable mortgage do to change how mortgages are originated in Australia?
• Mortgage advisor to wealth advisor. What will be the difference?
• Mortgages, insurance, cards and funds management with one advisor. What is required to make this happen?

Michael Russell, CEO, Mortgage Choice
Stephen Porges, Chief Executive Officer, Aussie
Phil Naylor, Chief Executive Officer, MFAA
Matt Lawler, Executive General Manager, NAB Partnerships
Steven Heavey, General Manager Intermediary Distribution Retail & Commercial, St George Bank
Facilitator: Alex Whitlock, Managing Editor, The Adviser

• Increment Improvement in Mortgage Fulfilment
• The key pain points in the mortgage fulfilment process for each of the key stakeholders
• The benefits of addressing these pain points incrementally
• Perpetual's proposed mortgage hub and NECS

Panel Discussion
National Electronic Conveyancing

• Exploring the opportunity that genuine national electronic conveyancing    provides
• What are the things required for success?
• The new era in electronic conveyancing is here now
• How will the stakeholders engage. What are the challenges?

Chris Evans, Senior Manager, Sales and Relationship Management, Perpetual Corporate Trust
Chris White, Program Development Manager, NSW NECS Readiness Program, Land and Property Management Authority
Amanda Baker, National Manager Client Initiatives, Espreon
Simon Purcell, Chief Executive Officer, Loancloser
John Heger, Chief Executive Officer, Fiserv Solutions Australia
Facilitator: Erik Fenna, Chief Executive Officer, LIXI

• Balancing customer satisfaction and credit security risk
• The role of the solicitor/conveyancer in settlement
• 8 land registries and a standardised national approach – how to fit the two together

• An examination of the challenges organisations face in implementing STP
• How achieving STP can dramatically impact the customer experience
• Some of the misconceptions of what is and what isn't STP

The Industry experts panel discussion
A team of leading industry experts discuss, 'What structural changes in the mortgage supply chain will promote the innovation cycle?'

Martin North, Managing Consulting Director, Fujitsu Consulting
Paul Lahiff, Managing Director, WD Scott
James Hickey, Partner, Deloitte
David Moloney, Partner, Oliver Wyman
Facilitator: Andrew Stabback, Publisher, Australian Banking and Finance

Rob Camilleri
Director
Laminar Advisory Pty Ltd