Agenda
Networking Break
Navigating the Future: Risks and Opportunities for APAC Banks
Panel discussion
- What key risks are banks monitoring across different banking systems?
- What challenges will they face in meeting growth and profitability targets over the next few years?
- Do banks have adequate buffers against rising asset risks?
Diverse Paths to Green: Decarbonization Strategies among APAC Banks
Panel discussion
- Will sustainable financing play a more prominent role in bank strategies?
- How do APAC banks’ decarbonization efforts vary across the region?
- What are the likely shifts in banks’ underwriting and risk management over the next few years?
Networking Lunch
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Wendy Cheong is a senior management and strategy professional with over 22 years of experience in leading and transforming international business operations.
She is currently Managing Director-Regional Head of Asia Pacific for Moody’s Ratings, based in Hong Kong. In this role, Wendy develops and leads Moody’s growth strategy in both developed and emerging markets in the region. Wendy is the senior representative for Moody’s in Asia Pacific and is responsible for managing regional operations, overseeing policy and regulatory outreach, coordinating Moody’s global initiatives, and providing oversight of affiliates, joint ventures and MIS domestic market strategies in the region.
Wendy joined Moody's in 2010 as an Assistant Director at Content Strategy in Moody’s Analytics, and has since held senior positions in strategy and management roles across business lines in Hong Kong and New York to build strategic vision, drive business growth and enhance market impact. She has served as Chief of Staff to the President of Moody’s Investors Service; Representative Director for MIS in Hong Kong, while also serving as Senior Vice President – Head of APAC Strategy & Business Management; and Director and Senior Product Strategist at Moody’s Analytics. Wendy sits as a Director on the boards of a majority of Moody’s Asia entities and affiliates in the region.
Wendy is a member of Moody’s Global Diversity Council and founded the Moody’s Women’s Employee Resource Group in Asia Pacific. She held leadership roles in several external women in finance organizations, including 100 Women in Finance and the Women in Finance Association of the Asia Securities Industry and Financial Markets Association (ASIFMA). She is currently a member of the Asian Venture Philanthropy Network (AVPN), a leading network of over 600 organizations across 34 countries that mobilizes capital for impact investing.
Before joining Moody’s, Wendy held senior strategy, sales and marketing positions at Prudential PLC, as well as at Singapore Telecoms in Hong Kong and Singapore.
She holds a BA in Southeast Asian Studies from the National University of Singapore.
CJ Wong is an Analyst with Moody’s Financial Institutions Group.
Based in Singapore, CJ covers a portfolio of banks and non-bank financial institutions in Bangladesh, Malaysia and Vietnam
Prior to joining Moody’s, CJ worked as a research analyst in the Dividend Forecasting team at IHS Markit, where he was responsible for providing estimates on financial institutions and corporates in Australia and Singapore.
CJ holds a Bachelor of Commerce (Hons) from the University of Sydney, majoring in Finance and Economics. He is a CFA Charterholder.
Euben joined Nomura in February 2010 and is based in Singapore, heading the team
covering the economies of Indonesia, Malaysia, Philippines, Singapore, and Thailand.
Prior to that, Euben worked at the Royal Bank of Scotland, and before that he was at
Credit Suisse and DBS Bank, bringing more than 18 years of experience in the industry.
Euben is frequently quoted in the media and has been a recipient of various awards in
economic forecasting and top research rankings for the region. Euben has an Advanced
Certificate in International Economics from the Kiel Institute for World Economics in
Germany, an M.Sc. (Economics) from the National University of Singapore and a B.Sc.
(Business Economics) from the University of the Philippines.
Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong SAR, China, Sally is the Head of APAC Financial Institutions, responsible for Moody’s analytical teams covering ratings and research on APAC banks, insurance companies, and non-bank financial institutions such as securities and leasing companies. She is also a co-head of Moody’s Global Banking and Global Insurance & Asset Management rating franchises. In addition, Sally leads the Global Financial Institutions Group’s Environment, Social & Governance (ESG) efforts.
Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the
oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities firms and subsequently, became a manager overseeing various teams covering the ratings and research of Greater China and Korean financial institutions.
Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.
Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.
Alka Anbarasu is an Associate Managing Director in the Financial Institutions Group in Asia. Based in Singapore, she oversees the ratings team that is responsible for the credit ratings of banks and non-bank financial institutions in Japan, South and South East Asia. She is closely involved in the integration of Environmental, Social and Governance (ESG) factors into bank ratings as well as research and outreach on ESG.
Alka is a regular speaker at Moody’s market briefings, external conferences, podcasts and media engagements. She is very active in promoting Diversity, Equity and Inclusion (DE&I) initiatives via her role as the co-chair of the APAC Women’s Business Resource Group. She is also a passionate impact leader for Moody’s CSR initiatives in Asia.
Alka joined Moody’s in 2013 after several years in the investment banking division of J.P. Morgan in London and Mumbai and ING Vysya Bank in India. She has close to 20 years of experience in the financial industry. Alka completed her undergraduate degree from University of Mumbai and holds an MBA from the Xavier Institute of Management in India.
Mr Noel Gerald DCruz was appointed Group Chief Risk Officer (GCRO) on 1 January 2023. As GCRO, he has overall responsibility for the management of risk, including Credit, Market, Liquidity, Operational, and Environmental Social Governance (ESG) for OCBC’s businesses in Singapore, Malaysia and other overseas markets. In addition, he was concurrently appointed as Group Chief Information Security Officer responsible for Cyber & Information Security. He reports jointly to both Group CEO and the Board Risk Committee of OCBC Bank.
Mr DCruz joined the Bank in 1989 after a stint in the Monetary Authority of Singapore and rose through the ranks to head both the Group Risk Portfolio Management department as well as the Group Data Management Office. He has been closely involved in the re-organisation and reinforcement of the Bank’s credit risk management function with dedicated policy, underwriting, analytics, remediation and data units, and the establishment of the Credit Risk Management Committee.
Mr DCruz led the OCBC Group Basel programme to develop internal ratings based approaches for credit management and capital adequacy assessments and later the modelling approaches for Expected Credit Loss portfolio allowances. In 2017, he also established the Group Data Management Office to drive implementation of a Group-wide data governance and management framework.
Mr DCruz holds a degree in Economics from the London School of Economics and Political Science.
Robert Oates is currently the Chief Risk and Compliance Officer, Singapore. In this role he is responsible for all Risk and Compliance functions within Singapore. Robert has been with HSBC since 1999 after studying History and Japanese at the University of Western Australia and the School of Oriental and African Studies at the University of London.
He is an experienced international banker with a track record in leadership roles across a range of markets in Asia, the Middle East and Europe, with a specific career focus on risk management and corporate and commercial banking roles.
Prior roles with HSBC have included roles as Chief Credit Officer Wholesale – EMEA, Head of Wholesale Credit and Market Risk, Asia Pacific and CRO India. Earlier in his career Rob had a number of business roles include stints in HSBC’s Global Banking and Markets division and its Commercial Banking division.
Eugene Tarzimanov is a Senior Vice President in the Financial Institutions Group in Asia. Based in Singapore, he is the Lead Analyst for banks in Southeast Asia, including Singapore, Malaysia, Vietnam, Sri Lanka and Bangladesh.
Eugene is also responsible for coordinating banking research across Asia Pacific, and actively represents Moody’s to regulators, investors and the media on analytical and methodological views. Eugene moved to Singapore from Moody’s Moscow office, where he covered the largest banks in Russia, as well as financial institutions in Europe and the Middle East.
Before joining Moody’s in early 2009, Eugene held senior positions during his five years with Standard & Poor’s, where he was responsible for the analysis of banks in Europe and the Middle East. He has also worked at the CEO’s office of Bank VTB, where he was responsible for inhouse research.
Eugene holds an MBA in financial management from New York’s Pace University, and a BSc in international economics from Moscow’s Finance Academy.
David Yin is a Vice President – Senior Credit Officer with the Financial Institutions Group at Moody’s Investors Service Hong Kong Limited. David is covering a portfolio of banks and non-bank financial institutions in China.
Before joining Moody’s, David worked as equity research analyst for Standard Chartered Bank, covering Chinese banks and securities companies. Earlier, he had covered Chinese financial institutions in Bank of China International Securities (China). He had also worked in the ECM department of Goldman Sachs Gao Hua Securities.
David holds a MSc in management and a BA in Economics from Peking University.
Amit Pandey joined Moody’s APAC FIG in Singapore in 2023. He covers a rating portfolio of banks in Asia-Pacific, in particular the South and Southeast Asian region.
Previously, Amit was with S&P Global Ratings for over 10 years in Singapore covering a portfolio of ASEAN and South Asian financial institutions. Prior to that, he served in the debt capital market team of HSBC India and the credit department of Axis Bank in Mumbai.
Amit has extensive credit experience in providing rating and capital advisory services to issuers across the Asia-Pacific region, as well as debt origination and management services of credit portfolios.
Amit has a Bachelor’s degree in Electrical Engineering from Harcourt Butler Technological Institute, Kanpur, and an MBA from the Indian Institute of Management, Calcutta.
Luanne is the Group Chief Sustainability Officer at CIMB, one of ASEAN’s leading banking groups, where she is responsible for transforming CIMB into a leader in responsible banking in Asia. She is also the Working Group Chair of the CEO Action Network Malaysia, and on the Steering Group of the UN-convened Net Zero Banking Alliance.
Luanne has extensive experience in sustainability, strategy and transformation, as well as change management, and has been involved in various fields, including financial services, consulting and startups. She has a Bachelor's and Master’s in Manufacturing Engineering from Cambridge, and a Master of Liberal Arts in Sustainability from Harvard University Extension School. Luanne is the recipient of accolades such as EcoBusiness A-list, Top Sustainability Superwoman in Asia, and Top 10 Women in Sustainability in APAC.
Eugenia Koh is Managing Director, Global Head of Sustainable Finance for the Wealth and Retail Banking division at Standard Chartered Bank. In her role, she is responsible for building sustainable product capabilities and client engagement tools, and partners with bankers to engage clients on sustainable finance and investing. She also oversees the division’s net zero commitments, and works with her risk colleagues to embed reputational, sustainability and climate risk considerations into governance frameworks and risk management processes.
She has over 14 years of experience in sustainable development from sustainable investing to corporate social responsibility and experimenting with building a social enterprise to support livelihoods in Cambodia.
Prior to joining the Bank, Eugenia worked in the COO team at Barclays, where she had her initial foray into impact investing. There, she was tasked with evaluating and exploring the implementation of an impact investing platform for Barclays in Asia.
She started her career at Weber Shandwick, and worked on a number of award-winning public relations campaigns spanning thought leadership to corporate social responsibility.
She is author of “Dawn Kwan. Art Awakening”, a chronicle of child prodigy Dawn Kwan’s journey as a child artist, which is available in all National Libraries in Singapore.
In his role, John is involved in integrating ESG into Moody’s credit rating research and is the point person for Moody’s ESG outreach in the Asia-Pacific region. He is also responsible for publishing thematic and issuer-specific research on ESG risks relevant to credit analysis.
Prior to joining Moody’s, John was CEO of Visiondom ESG, an independent ESG consultancy in China, which helped institutional investors integrate ESG into their investment process. He also worked as an ESG specialist with Fidelity International’s Asia Stewardship and Sustainable Investing team, focusing on the Greater China and Oceania markets for five years. At Fidelity, he was closely involved in promoting ESG best practices in Asia and ESG integration, and had a special focus on corporate governance and carbon trading.
John holds a Bachelor of Science in Economics from Singapore Management University and is a CFA Charterholder.
Tengfu Li is an Assistant Vice President – Analyst with Moody’s Financial Institutions Group.
Based in Singapore, he is responsible for the credit ratings of financial institutions in Indonesia and Malaysia. Prior to Moody’s, Tengfu worked at OCBC Bank, where he developed credit risk models.
Tengfu holds a MSc in Accountancy from Nanyang Technological University, and a BEng in Electrical Engineering from the National University of Singapore.
Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong SAR, China, Sally is the Head of APAC Financial Institutions, responsible for Moody’s analytical teams covering ratings and research on APAC banks, insurance companies, and non-bank financial institutions such as securities and leasing companies. She is also a co-head of Moody’s Global Banking and Global Insurance & Asset Management rating franchises. In addition, Sally leads the Global Financial Institutions Group’s Environment, Social & Governance (ESG) efforts.
Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the
oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities firms and subsequently, became a manager overseeing various teams covering the ratings and research of Greater China and Korean financial institutions.
Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.
Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.