Joachim Nagel: How market segments changed over the crisis – challenges for future banking Speech by Dr Joachim Nagel, Member of the Executive Board of the Deutsche Bundesbank, at the ESE (the European Supervisor Education initiative) Conference 2013 “The future of European financial supervision”, Frankfurt am Main, 26 September 2013. * 1.
*  *  Introduction  Ladies and Gentlemen I am delighted to be speaking at this year’s European Supervisor Education (ESE) Conference. The idea of the ESE initiative is to bring together the experiences of practitioners and the theoretical knowledge of academic researchers.