1. The future of Private Banking and Wealth Management / Career opportunities in the areas of Risk Management, Compliance and Internal Audit Panayotis Pournaras April 2, 2016 6o ΠΑΝΟΡΑΜΑ Επιχειρηματικότητας και Σταδιοδρομίας

2. Panayotis Pournaras, April 2, 2016 2 Contents Global Wealth 1/3 Global Wealth 2/3 Global Wealth 3/3 Big Players in the Wealth Management Industry Regulatory Impact Technology Impact Future Trends in Wealth Management Career Opportunities in Wealth Management Q&A

3. Panayotis Pournaras, April 2, 2016 3 Global Wealth (1/3) Number (in millions) of HNWI* per Word Wealth Report: *HNWI: Individuals with investable assets over USD 1 million

4. Panayotis Pournaras, April 2, 2016 4 Global Wealth (2/3) Geographical breakdown of HNWI* (in millions) in 2009 and 2014, per Word Wealth Report: *HNWI: Individuals with investable assets over USD 1 million

5. Panayotis Pournaras, April 2, 2016 5 Global Wealth (3/3) International Private Banking Market Volume in the Leading Wealth Management Centres: *HNWI: Individuals with investable assets over USD 1 million Source: Deloitte Wealth Management Database - 2014 2008 % 2014 % (in USD billion) Switzerland1.79202.0422 United Kingdom1.45161.6518 United States of America1.12121.4316 Panama-Caribbean1.77200.9310 Hong Kong0.2630.647 Singapore0.3840.475 Luxembourg0.2730.293 United Arab Emirates – Bahrain0.0710.061 Other*1.88211.6718 Total9.011009.2100

6. Panayotis Pournaras, April 2, 2016 6 Big Players in the Wealth Management Industry As part of an organisation’s governance structure, a fraud risk management program should be in place, including a written policy (or policies) to convey the expectations of the Board of Directors and senior management regarding managing fraud risk – TONE AT THE TOP

7. Panayotis Pournaras, April 2, 2016 7 Future Trends in Wealth Management Discretionary Mandates Premium Advisory Selective Advisory Package Basic Account Fees for Execution only Clients