Program

 8:30 – 9:00 Registration of participants

 9:00 – 9:10 Opening Forum

9:10 – 10:10 REGULATORY AND MACROECONOMIC CHALLENGES FOR BANKS

9:10 – 9:20 Keynote speech: Innovation and collaboration as foundations for the future of the financial market

9:20 – 10:10 Debate

• Higher for longer? Are banks prepared for the new regime, interest rate environment and new macroeconomic scenarios? Profitability and risk management of banks
• Poland’s housing policy and the role of the banking sector in its implementation, as well as required changes in the housing loan market
• Reference rate reform and its consequences. Problems associated with the transition to the new reference rates and the impact on loan agreements and banks’ strategies
• Capital and liquidity regulations and their impact on banking activities

Speakers:

• Marcin Gadomski, Vice-President of the Bank’s Management Board, supervising the Risk Management Division, Bank Pekao S.A.
• Bożena Graczyk, Vice-President of the Management Board for Risk Management, ING Bank Śląski
• Marek Lusztyn, Vice-President of the Management Board for Risk Management, mBank 
• Tomasz Miklas, Vice-President of the Board, Alior Bank
• Janusz Miszczak, Risk Consulting, Partner, EY Polska 
• Agnieszka Wolska, Vice-President of the Management Board, BNP Paribas Bank Polska S.A.

Moderation:  prof. Adam Czerniak, Research director and chief economist at the think tank, Polityka Insight

 10:10 – 11:00 SUSTAINABLE FINANCING AND GREEN EVOLUTION IN BANKING

10:10- 10:20 Speech: Sustainable financing and green evolution in banking

• Marcelo Castellanos, FIG EUR Senior Manager, International Finance Corporation

 10:20- 11:00 Debate

• Sustainable banking: a fad or a lasting trend
• Impact of ESG implementation on the credit market 
• Development of sustainable financial instruments. Impact of the introduction of transformational and European green bonds (EuGBs) on the Polish market
• What regulations can make it more profitable to issue green bonds?
• Improving the availability of ESG data. How does the scarcity of data in Poland, as well as the lack of access to data, affect the green transition?
• CSRD directive – ESG reporting challenges for banks

Speakers:

• Robert  Adamczyk, Energy Sector Team Head, Environment and Sustainability Department, EBRD 
• Jarosław Dąbrowski, Board Member, Bank Gospodarstwa Krajowego
• Michał Mrożek, Vice President of the Board, ING Bank Śląski 
• Jarosław Rot, Executive Director of the Sustainable Development Area, Bank BNP Paribas Polska
• prof. Agnieszka Słomka-Gołębiowska, Chairwoman of the supervisory board (independent member), mBank

Moderation: Andrzej Kopyrski, Vice President of the Management Board overseeing Corporate Banking and Enterprises Area, PKO Bank Polski from 2022 to 2024*

11:00 – 12:00 DISTRIBUTION OF BANKING PRODUCTS AND SERVICES AND MEETING CUSTOMERS’ EXPECTATIONS

11:00 – 11:15 Reinventing Relation with Customers

• Paweł Haltof, Innovation Director, Efigence
• Tomasz Lis, Senior Partner Manager, Magnolia

 11:15 – 12:00 Debate

• Do customers expect changes in the services, service and products offered by banks?
• The role of intermediaries. How is the relationship between banks and intermediaries changing in terms of meeting customer expectations?
• The most current challenges and issues in retail banking

Speakers:

• Krzysztof Bratos, Vice President of Retail Banking, mBank
• Jacek Iljin, Vice President, Alior Bank
• Volodymyr Radin, Vice-President of the Bank’s Management Board responsible for the Areas of Retail Banking, Business Banking and Personal Finance, BNP Paribas Bank Polska 
• Wojciech Rybak, Member of the Management Board, Bank Millennium
• Edyta Tararuj, Director of Product Development Office in the Department of Private Client Products, PKO Bank Polski

Moderation: Katarzyna Tomczyk – Czykier, Director of the Innovation and Digitization Division, Tribe Owner Omnichannel, Credit Agricole Bank Polska

 11:50 – 12:30 Networking break

12:30 – 13:15 PROTECTION OF CONSUMER INTERESTS IN THE ERA OF PRO-CONSUMER LINE OF COURT DECISIONS

12:30 – 12:35 Introduction: Main areas of consumer claims in the financial sector: key trends and risks

• Ewa Gajda-Kozłowska, Senior Manager w Kancelarii EY, EY Polska

 12:35 – 13:15 Debate:

• Is the problem of Swiss franc credits still an issue for banks and how long will it stay with the sector? Are settlements the only way to resolve it?
• Are consumer claims related to WIBOR as risky as those related to Swiss franc credits, from the banks’ perspective? Should the financial sector expect a similar number of lawsuits brought by consumers, especially in the context of the questions referred to the CJEU by the Czestochowa Court?
• Banks’ experiences and approaches to sanctioning free credit – is this actually a problem in banks today, and what is it?
• What legal solutions could reduce or significantly minimize the risks associated with potential consumer challenges to bank product contracts?

Speakers:

• Tadeusz Białek, President, Związek Banków Polskich
• Mariusz Dymowski, Director of the Mortgage Banking Center, PKO Bank Polski
• Alexander Fleischmann, Director General, Raiffeisen Bank International
• Katarzyna Zawadzińska-Kanadys, Legal Counsel, Santander Bank Polska

Moderation: Zuzanna Zakrzewska, EY Law Firm, Partner, Attorney, EY Polska
Moderation: Paweł Preuss, Financial Markets Leader in Poland, EY Polska

 13:15 – 14:00 NEW BUSINESS HORIZONS: ALLIANCES, PARTNERSHIPS AND INVESTMENTS

 13:15 – 13:30 Presentation: Building, automating and optimizing banking processes using modular identity verification

• Ireneusz Liberacki, General Manager LiveBank, Ailleron SA
• Marcin Król, Product Development Manager LiveBank, Ailleron SA
• Agnieszka Kurzyp, E-commerce development manager, Santander Bank Polska

 13:30 – 14:00 Debate:

• What is the key to the future? Talking about digital competence
• What are the benefits and challenges of partnerships in this age of technological race?
• How do you find and create new technologies? Creating new roles in banks and insurance
• Educational innovation and partnerships with technology giants
• Alliances and partnerships – is there collaboration between start-ups and venture capital?
• Banks as business angels – does it make sense?
• Asian ecosystem models: a discussion on innovation implementation and adaptation
• Innovative approaches to revenue sharing

Speakers:

• Paweł Borys, Chief Information Officer, MCI Capital ASI S.A.
• Aleksandra Buczkowska, Managing Director for products and client segments in the Retail Banking Division mBank S.A.
• Michał Pastuszak, Head of AI Products, Synerise
• Wojciech Przybył, Vice President, Alior Bank

Moderacja: Marcin Petrykowski, Member of The Supervisory Board / Non-Executive Director, PJSC Universal Bank

 14:00 – 14:55 ARTIFICIAL INTELLIGENCE IN BANKING: CHALLENGES, ADOPTION AND PROSPECTS

 14:00 – 14:55 Debate

• Acquisition, development and retention of AI talents in Poland: how to identify and teach talents in this area and how to extensively reskill current resources
• Costs limiting the deployment of artificial intelligence
• AI Act: is it possible to create a document regulating the use of artificial intelligence? What are the implications of the AI Act for the banking sector in Poland?
• AI in the Polish region: concrete examples of implementations and the future
• Banking management in the context of AI: optimising business benefits vs. legal risks and customer protection
• Consistency of AI’s assessments of the application of law with legal practice in Polish courts
• Where do we see the most promising areas of AI use after the first 1-2 years of experience? 

Speakers:

• Mariusz Bukowski, Head of Data&AI, Nest Bank
• Joanna Ostrowska-Szajnfeld, Managing Director IT Strategy, Architecture & Governance, BNP Paribas Bank Polska S.A.
• Jan Pieczykolan, Head of IT Development, Santander Bank Polska
• Piotr Puchalski,Managing Director, Retail Banking, mBank
• Łukasz Samborski, Board Agent for AI //Director of Operational Risk Management Department, Alior Bank
• Jarosław Tkaczewski, Director in the Department of Application Development, Bank Millennium

Moderation: Karol Stryja, AI Advisory & Education AI, 99 Twarzy AI

 14:55 Lunch

 8:30 – 9:00 Registration of participants

 9:00 – 9:10 Opening Forum

 9:10 – 10:15 COMPETITION OR COOPERATION

 9:10 – 9:25  Introductory presentation: Mapping the insurance sector in Poland against Europe:

• Current situation: market share, main products, major players and development prospects of the Polish market
• Comparison with other countries (Hungary, Czech Republic, Germany). Dominant products, customer preferences, regulatory differences

• Tomasz Dąbkowski, Partner Associate, Financial Services Department, Head of the Actuarial Group, KPMG

 9:25 – 10:15 Debate

• What are the main factors driving growth in Poland’s insurance sector?
• Are there visible differences in customer preferences and product popularity in Poland compared to other European countries?
• What are the strategies for geopolitical and macroeconomic changes
• Competition and cooperation – impact on the development of the sector 
• Predictions for future trends in insurance data management – data exchange

Speakers:

• Aleksandra Friedel, President of the Board, Unilink
• Roger Hodgkiss, President of the Board, Generali Group Poland
• Witold Jaworski, Insurance and insurtech industry expert
• Piotr Narloch, President of the Board, Interrisk

Moderation: Ryszard Bociong, Insurance sector expert* 

10:15 – 11:30 HYPER-PERSONALIZATION OF SALES IN INSURANCE – TREND OR BUZZWORD?

 10:15 – 10:30 Introductory presentation: Using BPM class tools to automate processes

• Maryia Alish, Service manager, Business analyst, Product owner, IBA Group
• Alex Bolotin, Camunda Lead Expert, IBA Group

10:30 – 10:45 Presentation: Hyperpersonalization of sales in insurance – trend or buzzword?

• Mateusz Mazur, Partner, CESA Technology Strategy & Transformation Leader, Digital Engineering Leader, EY Poland
• Piotr Rutkowski, Dyrektor Biura Sprzedaży Bezpośredniej, CRM i Rozwoju Technologii, PZU 

 10:45- 11:30 Debate

• Hyperpersonalization. How are data and its analysis changing the way insurance is sold, priced and managed? 
• Open finance: the future of financial sector integration. How insurers are adapting to open finance regulation? What challenges and opportunities does this new era bring?
• Strategy to protect customers’ interests by simplifying products and contracts to increase customer loyalty
• Risk aspects of sales process automation, development and use of applications
• Comprehensive sales process automation platforms

Speakers:

• Ewa Dąbrowska, Executive Vice President, SIGNAL IDUNA
• Leszek Skop, President of the Board, PKO Ubezpieczenia
• Andrzej Wasilewski, Member of the Management Board, Allianz
• Jan Zimowicz, Member of the Management Board, PZU

Moderation: Wojciech Soleniec, Technology Consulting, Partner, EY Polska

11:30 – 12:00 THE IDEA OF A WORLD WITHOUT DAMAGE – A COMMON MISSION OF INSURANCE COMPANIES FOR THE GOOD OF THE CUSTOMER (Firechat)

• Personalization of offerings – how do insurance companies customize their products to meet individual customer needs?
• Customer support – how can insurers proactively build relationships with customers instead of just reacting to claims?

• Robert Gowin, Board Member, Unum Życie TUiR S.A.
• Magdalena Macko-Gizińska, Board member for customer relations, Nationale-Nederlanden

Moderation: dr hab. Katarzyna Sekścińska, Assistant Professor, Department of Business Psychology and Social Innovation, UW

12:00 – 12:30 Networking break

12:30 – 13:00 COOPERATION OF BROKERS AND INSURERS – A NEW OPENING AND FUNCTIONING IN THE MARKET (Firechat)

• Artur Grześkowiak, CEO Marsh Poland and Marsh McLennan Group in Poland Co-CEO the region of Central and Eastern Europe
• Jakub Sajkowski, Member of the Supervisory Board, TUW PZUW, Managing Director of corporate clients, PZU

Moderation: Ida Krzemińska-Albrycht, Lead Editor, Cashless.pl

13:00 – 14:15 HEALTHCARE FINANCING MODELS IN THE WORLD AND LESSONS FOR POLAND

13:00 – 13:20 Introductory presentation: Examples of healthcare financing models in UK, Germany, USA, France, Norway, Slovenia, Switzerland

• Janusz Szulik, President of the Board, TU Inter Polska S.A.

 13:20 – 14:15 Debate

• The place of private health insurance in health care financing – a choice or an alternative?
• Subsidies or reform – or what does Polish health care need to function properly?
• The supplementary nature of the current health care system in Poland. Will patients benefit from the introduction of complementary health insurance? What should be the rules of its operation?

Speakers:

• Sławomir Łopalewski , Member of the Management Board, Managing Director, Lux Med Insurance
• Igor Radziewicz-Winnicki, President of the Board, PZU Health 
• Jakub Szulc, Vice-President of the Management Board, NFZ
• Janusz Szulik, President of the Board, TU Inter Polska S.A.

Moderation:

• Radosław Bogucki, Partner, Finance Function Transformation Leader, EY Polska

 14:15 – 14:55 INSURANCE IN THE FACE OF CLIMATE RISKS AND THE CHALLENGES OF THE RES SECTOR

14:15- 14:55 Debate

• Insurance vs. climate risk. How much do the effects of natural disasters cost us? What support can the policy provide? 
• Using data and technology to forecast and manage climate risks 
• Problems of insurance coverage, scope of insurance and exclusions of the insurer’s liability, 
• A number of uninsurable risks 
• Securing the EU’s climate neutrality by 2050. – a challenge for insurers (RED III directive) 
• Creation of insurance programs for the RES sector

Speakers:

• dr hab. Marcin Kawiński, Head of the Department of Social Security, SGH
• dr inż. Ewelina Siwiec, Acting Head of the Department of Socio-Economic Impacts of Climate Change, Institute of Environmental Protection-State Research Institute
• Mariusz Włodarczyk, Managing Director, Proxy, Santander Leasing S.A.
• Daniel Zahorenko, President of the Board, AGRO TUW 

Moderation: Joanna Gorczyca, Member of the Board, Responsible Business Forum, Director of the Office of Sustainable Development, PZU

 14:55 Lunch