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PODCAST

Mortgages Covered - the EMF-ECBC"s New Podcast Series

Welcome to the Mortgages Covered, the EMF-ECBC’s new podcast series.From housing affordability and sustainable finance to capital markets and covered bonds, “Mortgages Covered”, the EMF-ECBC’s new podcast series, brings together leading voices from across the housing and financial sectors. Each episode features expert discussions on the opportunities, challenges, and innovations shaping the future of housing finance in Europe and beyond. Whether you"re a market professional, policymaker, researcher,

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All Episodes

10:25

European Secured Notes: An Issuer's Perspective with...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/10/07

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, welcomes Jean-Yves Caminade from Bpifrance, to reflect on the first-ever European Secured Note transaction, which also marked Bpifrance’s debut in this new funding format, from the perspective of one of its key architects. This episode of Mortgages Covered explores: Bpifrance’s mission and objectives in issuing its first ESN.The potential for ESNs to connect excess savings in some countries with funding ne...

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11:40

ESNs: Market Momentum and the Road Ahead with Sanna...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/09/30

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, sits down with ECBC Chairwoman, Sanna Eriksson, and Conor Perry, Economist at OMFIF, to discuss recent market developments surrounding European Secured Notes (ESNs) This episode of Mortgages Covered explores: The strong market reception of Bpifrance’s first public ESN issuance and its potential to drive further growth.The practical role of the ECBC and OMFIF in supporting and facilitating the develop...

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11:49

Inside the ECBC's Work on European Secured Notes with...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/09/10

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Chair of the ECBC ESN Task Force and former ECBC Chairman, Stefano Patruno, to shed light on the work done by the ECBC to support the development and implementation of the ESN instrument. This episode of Mortgages Covered explores: The work undertaken by the ECBC ESN Task Force over the years to develop the foundations for an ESN market. The benefits of bringing together expertise a...

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21:43

Behind the 2026 ECBC Covered Bond Fact Book: Data,...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/09/04

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Sasha Kullig from vdp and Joost Beaumont from ABN AMRO to discuss the latest edition of the ECBC Covered Bond Fact Book. This episode of Mortgages Covered explores: The key market and political themes which shaped the covered bond market in 2025: resilience, growth, globalisation and competitiveness.2025 (and mid 2026) market statistics, including the most quoted figure in the whole Fact Book...

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7:35

Property Valuation and Climate Risk: Navigating the...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/08/06

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Mike Breckner and Sarah Reuter from vdpResearch, to discuss their work mortgage appraisal, energy efficiency assessment, and risk modelling for mortgage lenders. This Episode of Mortgages Covered explores: vdpResearch’s objective of providing effective solutions for its member banks.The practicalities of obtaining energy performance certificate.The use of existing data and property valuation e...

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6:03

Energy Efficiency in Practice: KPIs, Innovation and...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/08/06

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Joris Piete of Onesto, to discuss the challenges and opportunities involved in improving the energy performance of less energy-efficient homes. This Episode of Mortgages Covered explores: Onesto’s 130-year commitment to supporting affordable home ownership through social mortgage lending.The challenges faced by lower-income households when purchasing and renovating homes.A one-stop-shop approa...

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7:07

Data and Technology in Covered Bond Market...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/08/06

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Andrej Eichler and Matthias Neumann from Finnofleet, to discuss the critical role of data for issuers and how technology can improve operational efficiency. This Episode of Mortgages Covered covers: The integration of Swiss and German operations into a unified group with a streamlined service offering.Finnoofleet’s mission to enhance collateral management efficiency and help issuer...

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9:51

From policy to practice: delivering Europe’s energy...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/07/30

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Alessandro Lodgiani Country Manager of R2M Solution in Italy, for a discussion on the practical dimensions of implementing energy-efficiency upgrades. This Episode of Mortgages Covered explores: The integration of new key performance indicators (KPIs) into market frameworks and decision-making processes.RTM’s updated decarbonisation strategy at the European levelEfforts to develop new professi...

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6:29

Green Bonds and Market Dynamics: Insights from the...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/07/23

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, speaks with Dag Hjelle of SR Boligkreditt about the current state of the Norwegian economy and recent developments in its mortgage market. This Episode of Mortgages Covered explores: The use of SR Boligkreditt’s assets in the issuance of its recent ESG bond.Differences in market positioning and investor engagement associated with green bond issuance.The resilience of the green bond portfolio and the growin...

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5:58

Credit Risk, Data and Decision-Making in Mortgage...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/07/16

In this episode of Mortgages Covered, , Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by David Michele of CRIF, to discuss the challenges related to the credit of the underlying borrower in the mortgage chain, particularly in the less developed markets. This Episode of Mortgages Covered explores: The role of trusted data and credit information in enabling confident decision- making within increasingly risk-sensitive financial environments. CRIF’s evolution as a data-driven ...

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6:36

Evolving Covered Bonds: Bloomberg's Market Insights...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/07/09

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, welcomes Rene Foertsch and Sven Gerhardt from Bloomberg for a discussion on the evolution of covered bonds and the growing demand for data-driven market intelligence. Together, they unpack the latest developments in covered bond analytics, market transparency, and the innovative tools shaping the future of the asset class. This Episode of Mortgages Covered explores: Bloomberg’s integration of AI tools and ...

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9:41

Norway’s Macroeconomic Stability: Growth, Housing...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/07/02

In this episode of Mortgages Covered, Jennifer Johnson, EMF-ECBC Deputy Secretary General, is in conversation with Kyrre Knudsen, Chief Economist at SpareBank 1 Sør-Norge, on key developments in the Norwegian macroeconomic environment. This Episode of Mortgages Covered explores: The stability of the Norwegian economy, supported by strong democratic and effective democracy. Norway’s prudent management of one of the world’s largest oil funds, balancing resource utilisation with long-term s...

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22:55

East Africa’s Banking Momentum: Digitalisation,...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/29

In this episode of Mortgages Covered, Oscar Mgaya, outgoing chairman ISMMA, is joined by Cosmas Kimario of KCB Bank Tanzania to provide an overview of the Eastern African market and discuss the African banking sector, as well as the potential of covered bonds as a funding instrument. This Episode of Mortgages Covered explores: The rapid advancement of digitalisation and fintech deployment.The increasing prevalence of cross-border banking activities, including the expansion of banks beyond the...

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19:56

Tokenisation and Market Infrastructure: Rewiring the...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/25

The bond market is entering a new phase of technological transformation, where tokenisation, standardisation, and integrated workflows are increasingly reshaping how assets are issued, transferred, and managed. In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Peter Kohl-Landgraf of DZ Bank to discuss recent developments and changes in the bond market. This Episode of Mortgages Covered explores: Tokenisation through algorithmic c...

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20:46

From Regulation to Recovery: Key Insights from the...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/19

Building on the discussions from the latest ECBC Plenary Meeting in Stavanger, Richard Kemmish, EMF-ECBC & ISMMA Consultant, sits down with Patrick Seifert to examine the policy, regulatory, and economic issues shaping the future of housing finance and covered bond markets across Europe. This episode of Mortgages Covered explores: Regulatory complexity and its impact on funding choices and covered bond markets. Housing affordability as a policy priority and the role of mortgag...

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19:07

The EU's Next Member? Moldova's Path to Growth and...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/09

In this episode of Mortgages Covered, the conversation turns to Moldova's economic and financial transformation, as Anca Dragu, Governor of the National Bank of Moldova, shares insights on housing finance, capital market development, and the country's path towards deeper European integration. This Episode of Mortgages Covered explores: Moldova’s evolving economic landscape, including mortgage market development, transition away from dependence on Russian resources, and resilience in the face ...

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19:45

AI in Property Valuation: Exploring the Future of...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/09

In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, brings together Anders Lund Francke of Eiendomsverdi AS to explore the use of Artificial Intelligence in property valuation. This episode of Mortgages Covered explores: The growing interest and use of automated valuation systems (AVMs) and advances in statistical modelling for residential property valuation.The core principles underpinning robust valuation models, including transparency, explainabili...

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15:22

Is Europe Losing Its Competitive Edge? Regulation,...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/09

As Europe faces growing competition from other global economies, questions around productivity, growth and financial regulation are becoming increasingly important. In this episode of Mortgages Covered, Jonas Bjarke Jensen of Copenhagen Economics shares his views on how regulation can support — or hinder — competitiveness, investment and long-term economic growth. This Episode of Mortgages Covered explores: The factors driving the transition to a new global economic and financial envir...

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13:41

Beyond ESG: Shaping Sustainable Bond Markets with...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/09

Green and social bond markets have evolved significantly in recent years, driven by new regulatory frameworks, growing investor expectations, and an increased focus on transparency. Daniela Antonini of Banco BPM joins this episode of Mortgages Covered to explore the key trends and challenges shaping today's ESG and sustainable finance landscape. This Episode of Mortgages Covered explores: The pioneering of Banco BPM in developing a Green Social Sustainability Bond Framework and ensuring taxon...

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12:44

Digital Assets and Tokenisation: Navigating the...

Mortgages Covered - the EMF-ECBC"s New Podcast Series ·

2026/06/09

In this episode of Mortgages Covered, the conversation turns to the rapidly evolving world of digital assets and tokenisation. Ayda Chamcham of Aareal Bank shares insights on how digital money, tokenised assets, and new financial infrastructures are reshaping the future of banking and capital markets. This Episode of Mortgages Covered explores: The categorisation of digital assets, including native cryptocurrencies, tokenised real-world assets, and digital money.The rapid growth of tokenised ...

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