Program

8:30 – 9:00 A.M. Registration

9:00 – 9:10 A.M. Forum Opening Ceremony

• Józef Wancer, Honorary Chairman of the Banking Forum

9:10 – 10:30 A.M. TECHNOLOGICAL SECTOR INITIATIVES AS AN OPPORTUNITY FOR BETTER CUSTOMER PERSONALIZATION – CAN WE COLLABORATE AS A SECTOR?

9:10 – 9:25 A.M. Power speech: Pillars of leadership: between trust, innovation, and responsibility

• Brunon Bartkiewicz, Management Board Advisor, ING Bank Śląski

9:25 – 10:30 A.M. Debate: From security to personalization, can the financial sector build common technological standards?

• Can sharing technological infrastructure increase the sector’s innovation and competitiveness?
• How can the personalization of services be reconciled with the need for security and transparency for customers?
• Can the financial sector create common solutions in a “coopetition” model, following the example of BLIK’s success?
• What experiences can we transfer from the Scandinavian and British markets, where common data and cyber resilience platforms operate?
• How can new security models realistically strengthen the sector’s digital resilience?

Speakers:

• Marek Lenz, CIO, Crédit-Agricole
• Rafał Szafirski, Vice President of the Management Board, Krakowski Bank Spółdzielczy
• Janusz Mieloszyk, First Vice President of the Management Board, Nest Bank
• Tomasz Pol, Vice President of the Management Board, PKO Bank Polski
• Przemysław Wolek, Chief Information Security Officer, Santander Bank Polska S.A.

Moderation: Jacek Tomkiewicz, PhD, Dean of the College of Finance and Economics, Kozminski University

10:30 – 11:00 A.M. Debate: Cyber Resilience as the foundation of financial security and development

• How can the financial industry prepare and build trust in the digital world?
• Will “zero trust architecture” become the standard in the financial sector? Do we have an alternative?
• Deepfake – when a false face speaks in a real voice. Where does trust end?
• Security infrastructure and automation as the foundation for transparency and full process control – the perspective of banks and technology partners

Speakers:

• Superintendent Adam Cieślak, Commander, Central Bureau for Combating Cybercrime
• Artur Kurcweil, Head of Security Department, Bank Millennium
• Agnieszka Ulanowska, Dyrektorka Działu Nadzoru Wewnętrznego i Bezpieczeństwa IT, Noble Funds TFI S.A.
• Paweł Wieczorek, Global Head of Data Security, Nordea

Moderation: Rafał Pikuła, Editor-in-chief, Spider’s Web

11:00 – 11:40 A.M. TECHNOLOGY IN FINANCE – STRATEGIC SUMMARY BY EXPERTS

A concluding debate with TechBoard members will be the highlight of the second day of the forum, dedicated to reflecting on the key issues raised during the earlier panels. The leaders responsible for the financial sector’s technology strategy will discuss the challenges and opportunities of building shared infrastructure, developing artificial intelligence, strengthening cyber resilience, and implementing modern security models, such as “zero trust.” Participants in the debate will also attempt to identify priority courses of action for increasing innovation, consistency, and security throughout the entire banking ecosystem.

Speakers:

• Przemysław Koch, Vice President of the Management Board, VeloBank
• Joanna Ostrowska-Szajnfeld, Managing Director IT Strategy Architecture & Governance, BNP Paribas Bank Polska
• Leszek Stypułkowski, Member of the Management Board, Bank Gospodarstwa Krajowego
• Robert Trętowski, Vice President of the Management Board, KIR

Moderation: Tadeusz Woszczyński, Chairman of the Banking & Insurance TECH Advisory Board

11:40 – 12:20 P.M Networking break

12:20 – 1:20 P.M. CJEU REGULATIONS AND JURISPRUDENCE AND BANKS’ ABILITY TO FINANCE DEVELOPMENT – BETWEEN RISK AND LIABILITY

12:20 – 12:35 P.M. Introductory presentation to the debate

• Piotr Szwechłowicz, Legal Advisor, Managing Partner, JNS Legal

12:35 – 1:20 P.M. Debate

• Does the banking sector need deregulation to more effectively support investment?
• What are the consequences for banks of unfavourable CJEU rulings (WIBOR, sanction of free credit)
• Why is the banking sector subject to so many preliminary questions – the case of Poland, or a systemic problem
• Does legal risk limit banks’ appetite for lending?
• Is it possible to change the jurisprudential line – the role of the industry, regulators and the government?
• How do you reconcile the stability of the system with the need to be open to greater credit and market risk?

Speakers:

• Wojciech Kostrzewa, SprawdzaMY, President of the Polish Business Council; Chairman of the Supervisory Board, Alior Bank SA; Vice-Chairman of the Supervisory Board, ERGO Hestia SA
• Robert Kropiwnicki, Secretary of State, Ministry of State Assets
• Henryk Walczewski, Judge, District Court in Warsaw
• Marek Lusztyn, Vice-President of the Management Board, mBank
• Tomasz Kowalski, President of the Management Board, Deutsche Bank

Moderation: Piotr Szwechłowicz, Legal Counsel, Managing Partner, JNS Legal

1:20 – 2:10 P.M. THE STRENGTH OF POLISH BANKS – HOW TO BUILD DOMESTIC CAPITAL AND RESILIENCE

1:20 – 1:30 P.M. The Opening speech: The Miracle on the Vistula – a brief history of banking in Poland from a European perspective

• Kamil Pruchnik, Senior Regional Representative for Poland, European Investment Fund

1:30 – 2:10 P.M. Debate: Poland’s financial sovereignty in an era of geopolitical tensions. How to build national capital and banking sector resilience?

• How can banks support the foreign expansion of Polish companies despite global trade tensions?
• Is it possible to limit the outflow of profits and build stronger domestic capital based on banks operating in Poland?
• How to manage regulatory and geopolitical risk to maintain the stability of the banking sector?
• How can domestic savings be mobilized for investment in innovation and the transformation of the Polish economy?
• Can Polish banks compete with global institutions by creating their own strategic advantages?

Speakers:

• Jarosław Dąbrowski, Member of the Management Board, Bank Gospodarstwa Krajowego
• Piotr Mazur, Vice President of the Management Board, PKO Bank Polski
• Robert Milewski, Vice President of the Management Board, CRO, Nest Bank
• Adam Pers, Vice President of the Management Board, mBank
• Barbara Sobala, Vice President of the Management Board, Citi Handlowy

Moderation: Karolina Wysota, Journalist, money.pl

2:10 – 3:25 P.M. ESG IN THE FINANCIAL SECTOR – BETWEEN REGULATION AND REAL IMPACT

2:10 – 2:30 P.M. Fireside Chat: ESG in Finance: The Perspective of Female Chairpersons of Supervisory Boards

A conversation with members of the supervisory boards of Poland’s largest banks about whether ESG is a trend or a necessity, what the strategic priorities are, and how the supervisory board can realistically influence the transformation of financial institutions.

Speakers:

• Prof. dr hab. Agnieszka Słomka-Gołębiowska, Chairwoman of the Supervisory Board, mBank
• Prof. dr hab. Monika Marcinkowska, Chairwoman of the Supervisory Board, ING Bank Śląski

Moderation: Prof. dr hab. Małgorzata Zaleska, Director of the Institute of Banking, Warsaw School of Economics

2:30 – 2:45 P.M. Speech: ESG Regulations – What’s Changing Today and What Will Soon Impact the Financial Sector?

An overview of the key regulatory challenges: CSRD, ESRS, SFDR, EU taxonomy, greenwashing, and new reporting obligations.

• Robert Adamczyk, Member of the Management Board of the Responsible Business Forum, Energy Sector Team Head, Environment and Sustainability Department, EBRD

2:45 – 3:25 P.M. Panel Discussion: ESG as a Catalyst for Change – How the Financial Sector Measures Impact and Builds Trust

• Climate risks in bank balance sheets – how to measure and report them?
• Green financing – is the sector keeping up with the needs of the economy and businesses?
• ESG and the capital market – investor expectations and impact on the valuation of financial institutions.
• How can banks create value through pro-social actions and corporate governance?
• How can artificial intelligence support ESG reporting and ensure greater transparency of CSRD-compliant data?

Speakers:

• Tycjan Bielecki, Managing Director for ESG in the Retail Banking Division, Santander Bank Polska
• Magdalena Andrejczuk, Managing Director, Corporate Banking Sustainable Finance, mBank
• Agnieszka Durlej, Director of the Corporate Banking Strategy and Development Office, Bank Pekao
• Marta Jedlińska, Director of the Sustainable Development Strategy and Analysis Department, BNP Paribas Bank Polska

Moderation: Irena Pichola, President of the Board, Responsible Business Forum

3:25 P.M. Lunch

8:30 – 9:00 A.M. REGISTRATION

9:00 – 9:10 A.M. Forum Opening Ceremony

• Ryszard Bociong, Chairman of the Insurance Forum Program Council

9:10 A.M. – 10:35 A.M. INSURER AND BANK: CAPITAL COOPERATION OR MARKET PARTNERSHIP?

9:10 – 9:20 A.M. Speech: Bancassurance redesigned: what does Europe know about cooperation that we have not yet implemented?

• Xavier Larnaudie-Eiffel, Délégué Général du Groupement Français des Bancassureurs, (G.F.B.A.)

9:20- 10:00 A.M. Debate: Insurer and bank: capital cooperation or market partnership?

• European models and their effectiveness. Is it possible to transfer experience – what can really be transferred to Polish soil, and what requires a local approach?
• U Recommendation as a catalyst for change – new regime or new opportunity?
• Regulatory implications of Solvency II – new obligations for group structures in the insurance sector
• Operational efficiency of integrated and separated structures
• Models of capital ties and their impact on market offerings
• Presentation of examples of good practices and modern stand alone models
• Data sharing – an opportunity for a better deal, or a regulatory minefield?
• Affinity as a market alternative – a partnership model without capital ties
• Overregulation vs. innovation – how to balance customer protection with flexibility?
• Can the insurance industry speak with one voice and effectively advocate for change?

Speakers:

• Błażej Szczecki, Vice President of the Management Board, Bank Pekao S.A.
• Mariusz Wójcik, Member of the Management Board, UNIQA
• Piotr Wrzesiński, Vice President of the Management Board, PIU
• Jan Zimowicz, President of the Management Board, PZU Zdrowie, and Member of the Management Board, PZU

Moderation: Łukasz Wilkowicz, Editor, Dziennik Gazeta Prawna

10:00- 10:15 A.M. Firechat 1+1: What worked and what failed? Lessons for the future of the insurance sector

• Practices and models that have truly strengthened the industry – what can be considered a success and is worth continuing in the coming years
• Challenges and conclusions – what we have learned from recent years and how to use these lessons when designing the future of the market

Speakers:

• Ryszard Bociong, Chairman of the Insurance Forum Program Council
• Andrzej Klesyk, Insurance Sector Leader, President of the Management Board of PZU in 2007–2015 and in 2025

10:15- 10:35 A.M. Debate 2+1: Insurance law: does the sector need more freedom or more framework?

• The limits of regulation and responsibility towards customers – how can the law support transparency and trust?
• Lessons from highly regulated industries – what can the insurance sector learn from the practices of other sectors of the economy?
• Freedom of innovation vs. market stability – will more freedom in insurance law really translate into value for customers and the economy?
• Unity of the sector in the deregulation process

Speakers:

• Adam Malinowski, Country Director, Corporate Connections, SprawdzaMY Project Coordinator
• Grzegorz Polaniecki, Member of the Management Board, CEO, Enter Air

Moderation: Fryderyk Kriger, Legal Advisor, specialist in insurance, claims settlement, litigation, and debt collection, JNS LEGAL

10:35 – 11:40 A.M. FUTURE RISKS – WHAT MUST INSURANCE AND REINSURANCE BE READY FOR?

10:35 – 10:50 A.M. Firechat: Insurance in the face of war events – limits of coverage and liability

• Legal limits – why are war risks excluded from standard insurance coverage?
• Exceptions to the rule – examples of products providing partial coverage in the event of armed conflict

Speakers:

• Artur Grześkowiak, CEO, Poland & North CEE Co-CEO, Central and Eastern Europe, Marsh
• Dominika Kozakiewicz, President of the Management Board, Aon Polska

10:50 – 11:05 A.M. Prezentacja: Emerging Risks

• Volker Eutebach, Regional Manager – Central Europe, Lloyd’s Insurance Company S.A.

11:05- 11:40 A.M. Debate: Future risk – what must insurance and reinsurance be ready for?

• Natural disasters and extreme risks – how is the scale of risks changing and what does this mean for the liability of insurers, banks and the state? Is a hybrid security model needed?
• Limits of liability – how to reconcile customer expectations with the real capabilities of the financial sector in the face of catastrophic risks, including those of anthropogenic nature?
• How do you integrate data, credit and investment planning to increase system resilience and counter protection gaps?

Speakers:

• Volker Eutebach, Regional Manager – Central Europe, Lloyd’s Insurance Company S.A.
• Artur Grześkowiak, CEO, Poland & North CEE Co-CEO, Central and Eastern Europe
• Zygmunt Kostkiewicz, President of the Management Board, PWPW
• Piotr Narloch, President of the Management Board, InterRisk

Moderation: Tomasz Libront, President of the Management Board, Smartt Re

11:40- 12:20 P.M. Networking break

12:20 – 1:35 P.M. HOW TECHNOLOGY IS SHAPING THE INSURANCE MARKET: INNOVATIONS, CHALLENGES, AND THE FUTURE OF THE SECTOR

12:20- 1:00 P.M. Debate: How technology is shaping the insurance market: innovations, challenges, and the future of the sector

• How is AI revolutionizing sales, customer service, and claims management processes?
• Investments in technology as a lever for resilience and scalability of business models
• What challenges do insurers face in terms of responsibility for decisions made by AI?
• How can artificial intelligence affect transparency and trust in insurers?
• What data is key in the risk assessment process and how can its ethical use be ensured?
• The customer’s point of view vs. the company’s point of view—are expectations aligned?

Speakers:

• Marcin Andruchewicz, Member of the Management Board, TU INTER POLSKA*
• Michał Gomowski, Acting President of the Management Board, LINK4
• Konrad Komornicki, Deputy President, Personal Data Protection Office
• Leszek Skop, President of the Management Board, PKO Ubezpieczenia
• Wolfgang Stockmeyer, Member of the Management Board, Compensa TU S.A. Vienna Insurance Group

Moderation: Mirosław Deja, Managing Director of the IT Division, UNIQA Polska

1:00 – 2:20 P.M. PUBLIC-PRIVATE COOPERATION IN PROTECTING LIFE AND HEALTH

1:00- 1:10 P.M. Speech: Synergy between the public and private sectors: the role of health insurance in improving the quality of the system

• Dorota Fal, Management Board Advisor, Health Insurance and Healthcare Expert Polish Chamber of Insurance

1:10 – 1:20 P.M. Presentation: Patients treated 30% cheaper and more effectively. AI? Sci-fi? Or real clinical processes?

• Jacek Gleba, CEO, MDT Medical, MDT Net

1:20 – 1:30 P.M. Introduction to the debate: Poland’s demographic horizons – what does the future hold?

• Paweł Strzelecki, PhD, Deputy Director of the Institute of Statistics and Demography, Warsaw School of Economics

1:30- 2:20 P.M. Debate: Public-private cooperation in the protection of life and health

• Regulatory environment – a factor supporting or limiting the development of systemic hybrid solutions?
• How to effectively build proactive attitudes and long-term insurance decisions?
• Cost structure vs. benefits – how to talk about margin when trust becomes key?
• The new generation of health and pension products – how to create solutions that really work and are understood?
• A long life without health – is the protection and insurance system keeping up with demographic realities?
• The role of market leaders in rebuilding trust, reputation, transparency and ability to communicate values
• Does tax policy support long-term savings and health insurance for citizens, something that is still missing from the system?
• Is it possible to implement AI to customise insurance offerings based on medical data? (examples from Asia)
• How do you design insurance that goes beyond institutional benchmarks and truly responds to the experiences and expectations of today’s customers?
• The “Span Gap” as the main social challenge of the 21st century: what conclusions can we draw from the report Insurance and the Longevity Economy: Navigating Protection in the Era of 100-Year Lives?

Speakers:

• Weronika Dejneka, Member of the Management Board, PZU Zdrowie
• Jacek Gleba, President of the Management Board, MDT MEDICAL
• Andrzej Sokołowski, President of the Management Board, Polish Association of Private Hospitals
• Paweł Strzelecki, PhD, Deputy Director of the Institute of Statistics and Demography, Warsaw School of Economics

Moderation: Dorota Fal, Management Board Advisor, Health Insurance and Healthcare Expert Polish Chamber of Insurance

2:20 – 3:30 P.M. CUSTOMER IN THE CENTER GENERATIONS, NEEDS, EXPECTATIONS

2:30- 3:10 P.M. Debate: Customer at the centre: generations, needs, expectations

• Personalisation, flexibility, simplicity – keywords of the future of insurance
• Can one product model serve such diverse groups?
• Real value vs. customer perceived value – how to manage product perception in an era of rising expectations?
• The real value of insurance in numbers – how do premiums, costs, and payouts compare in Poland to other European markets, and what does this mean for customers?
• Are the insurance needs of the 60+ generation an underestimated potential or a difficult niche?
• Young customers and digital habits – how to build an offer for Generation Z?
• Financial education of the younger generation – how to build attitudes through real participation?

Speakers:

• Michał Dworakowski, Managing Partner, Polskie Polisy
• Edyta Fundowicz, Member of the Board, Nationale-Nederlanden

Moderation: Piotr Ruszowski, Member of the Management Board, Allianz Polska

3:10 – 3:25 P.M. Firechat: Insurance through the eyes of customers – coverage, disappointment or real value?

• How do customers – individual and corporate – rate the quality of service, the claims process and the real value of insurance?
• Are insurers’ products and communications keeping pace with changing customer needs and expectations?
• Where do tensions arise in the client-broker-insurer relationship, and how can they be resolved to rebuild trust?

Speakers:

• Jakub Sajkowski, Managing Director for Corporate Clients, PZU
• Tomasz Zysko, Director for Individual Clients, Nationale-Nederlanden

3:25 P.M. Lunch