PROGRAM 26. BANKING & 22. INSURANCE FORUM
Day I, joint part
DAY I
9:30 – 9:40
CEREMONIAL INAUGURATION OF THE CONFERENCE
9:40 – 11:00
RESILIENCE OF THE POLISH ECONOMY AND CURRENT CHALLENGES ON FINANCIAL MARKETS. LOOKING FOR A RECIPE FOR SUCCESS
11:00 – 11:20
NETWORKING BREAK
11:20 – 12:40
POLISH BANKING SECTOR: EFFICIENT BUT NOT PROFITABLE. HOW TO CHANGE IT?
12:40 – 14:10
DIGITAL LEADERSHIP. HOW TECHNOLOGY SHAPES OUR REALITY IN THE WORLD “ON DEMAND”? WHAT DETERMINES ENDURANCE?
14:10 – 14:30
NETWORKING BREAK
14:30 – 15:30
THE POTENTIAL OF AI IN THE FINANCIAL SECTOR
15:30
LUNCH
Day II
DAY II, joint part
9:30 – 10:30
THE BANKING AND INSURANCE SECTOR’S ROLE IN BUILDING SOCIETY’S FINANCIAL EDUCATION
26. Banking Forum
10:30 – 11:10
MORAL HAZARD IN BANKING
11:10 – 11:20
ESG POLICY IN POLISH BANKING – PRESENTATIONS
11:20 – 12:15
ESG POLICY IN POLISH BANKING <WITH THE EMPHASIS ON “S”>
12:15 – 13:00
NETWORKING BREAK
13:00 – 14:30
RACE FOR CUSTOMER’S ATTENTION AND CARE
CENATORIUM WORKSHOP: TRENDS AND CHALLENGES IN THE FIELD OF REAL ESTATE VALUATIONS CONSISTING AS SECURITY FOR LOANS, WITH PARTICULAR REGARD TO ISSUES RELATED TO ESG
14:30 – 15:30
MORTGAGE MARKET AND THE STATE’S HOUSING POLICY: WHAT ROLE DO THE BANKS PLAY?
15:30
LUNCH
22. Insurance Forum
10:30 – 11:15
HOW TO BUILD AN ATTRACTIVE INSURANCE MARKET?
11:15 – 12:15
DISTRIBUTION OF INSURANCE IN ADVERSE MACROECONOMIC CONDITIONS
12:15 – 13:00
NETWORKING BREAK
13:00 – 14:35
THE WAVE OF INNOVATION DOES NOT WEAKEN: TECHNOLOGY IN INSURANCE
14:35 – 15:30
LIFE AND HEALTH INSURANCE
15:30
LUNCH
DAY I – 16 OCTOBER 2023
JOINT PART OF THE 26. BANKING FORUM & 22. INSURANCE FORUM
8:45 – 9:30 Registration of participants
9:30 – 9:40 Ceremonial inauguration of the conference by the Chairmen of the Program Council of Banking & Insurance Forum
9:40 – 11:00 RESILIENCE OF THE POLISH ECONOMY AND CURRENT CHALLENGES ON FINANCIAL MARKETS. LOOKING FOR A RECIPE FOR SUCCESS
9:40 – 10:00 Keynote speech
10:00 – 11:00 Debate
- Macroeconomic outline. A global look at the needs of the Polish economy. Long- and short-term strategies for Poland
- What are the perspectives for the Polish economy in times of high inflation, unpredictable monetary policy, and often regulation changes? Thread for the economic situation
- Common challenges for the administration sector towards contemporary crises
- National Reconstruction Plan – is it an opportunity for the Polish economy?
- What role should the banks and insurance companies play in these turbulent times?
Speakers:
- Agnieszka Wolska, Vice-President responsible for SME and Corporate Banking, BNP Paribas Bank Polska S.A.
- Janusz Władyczak, President of the Management Board, KUKE
- Dariusz Szwed, President of the Management Board, PKO Bank Polski*
- Beata Daszyńska-Muzyczka, President of the Management Board, Bank Gospodarstwa Krajowego*
- Elisabetta Falcetti, Regional Director, Head of Poland and the Baltic States, Europejski Bank Odbudowy i Rozwoju*
Moderator:
- Zbigniew Jagiełło, Co-Chairman of the Advisory Board Banking Forum
11:00 – 11:20 NETWORKING BREAK
11:20 – 12:40 POLISH BANKING SECTOR: EFFICIENT BUT NOT PROFITABLE. HOW TO CHANGE IT?
- The influence of the current macroeconomic situation on the sector’s results – how will it influence the case, e.g., decrease in interest rates?
- The analysis of the Polish banking sector’s competitiveness change in recent years in the context of regulations, the domestic and international economic situation compared to the EU – where are we?
- The capital situation of banks and the ability to finance Polish companies’ credit needs.
- How to use the growing excess liquidity in the Polish banking sector? Facing low economic growth and credit stagnation, banks’ liabilities grow significantly. Do treasury bonds still constitute the direction in which the banks should direct their liquidity?
- Banking sector potential in Poland – factors that influence the perception of the sector by domestic and foreign investors
- The role of the banking sector in the development of competitiveness of our country – the ability to finance investments – the potential in this area
- Investment attractiveness of Poland, including the attractiveness of the Polish banking sector
- Capital market development strategy. How can banks influence capital market development and contribute to it?
Prelegenci:
- Paweł Borys, Chief Executive Officer, Polish Development Fund (PFR)
- Joao Bras Jorge, President of the Management Board, Bank Millennium
- Elżbieta Czetwertyńska, President of the Management Board, Citi Handlowy
- Arkadiusz Garbarczyk, Vice President, First Deputy President, Bank Ochrony Środowiska
- Radomir Gibała, President of the Management Board, Alior Bank
12:40 – 14:10 DIGITAL LEADERSHIP. HOW DOES TECHNOLOGY SHAPE OUR REALITY IN THE “ON-DEMAND” WORLD? WHAT DECIDES ABOUT SURVIVAL?
12:40 – 12:55 Trends in Digital Payments
- Ernest Püspök, Business Development Director Central and Eastern Europe, Worldline Financial Services
12:55 – 13:45 Debate
- Are Polish banking and insurance sectors innovative enough? How to keep your competitive advantage at the highest possible level? Where to look for inspiration for further development?
- In which areas will services arise that will constitute leverages for building competitive advantage?
- Which technologies will prove the right ones and constitute only buzzwords? What implementations generate a return? How many of these technologies are really in use?
- Cyber threats in banking and insurance. What are the benefits of improving cooperation as a part of extended networks? Does this cooperation model translate into banks’ and clients’ security?
- How can blockchain be used in the banking and insurance sectors? How to use the potential of tokenization in finances?
Speakers:
- Artur Maliszewski, President of the Management Board, Europa Ubezpieczenia
- Andrzej Przewięźlikowski, Vice President of the Management Board, Comarch
- Ernest Püspök, Business Development Director Central and Eastern Europe, Worldline Financial Services
- Volodymyr Radin, Member of the Management Board, BNP Paribas Bank Polska S.A.
- Hitachi Representative
- Wojciech Sass, CEO, Aion*
13:45 – 14:00 Time is money. How much do you lose for every second of delay?
- Katarzyna Figlus, Manager of the Services and Web Technology Team, Santander Bank Polska
- Marcin Żuchowicz, Chairman of the Board, e-point SA
14:00 – 14:10 New approach to Supplier-Bank cooperation in the area of developing banking platforms
- Tadeusz Woszczyński, Country Manager Poland, Austria, Czech Rep., Slovakia & Baltics Hitachi Europe Ltd.
14:10 – 14:30 NETWORKING BREAK
14:30 – 15:30 THE POTENTIAL OF AI IN THE FINANCIAL SECTOR
14:30 – 14:45 Using AI to communicate with customers – how artificial intelligence can take digital experiences to a new level
14:45 – 15:30 Debate
- How to be good and how to be the best at using artificial intelligence? Space for development in Poland
- The use of Open AI in finances. Does ChatGPT open an ocean of possibilities?
- What the financial world might look like, where AI is not only an interface but can create an individual financial product based on data analytics, with access to big data and human profiling?
- Restrictions on the use of AI – regulations, distributed data, and problems with implementation. Do we already know anything about it?
- In what industries will AI the fastest improve productivity and profitability?
- AI/chat-bots/ChatGPT – how to ethically use the technologies and the AI? How to communicate with customers?
Speakers:
- Grzegorz Ignaciuk, Member of the Management Board, Cenatorium
- Piotr Krawczyk, Managing Director, IT Development and Maintenance Division, PKO Bank Polski
- Karolina Mitraszewska, Vice President of the Management Board, Nest Bank
- Wojciech Zaskórski, General Manager, Lenovo*
- Krzysztof Dąbrowski, COO, mBank*
15:30 LUNCH
DAY II – 17 OCTOBER 2023
JOINT PART OF THE 26. BANKING & 22. INSURANCE FORUM
9:30 – 10:30 THE BANKING AND INSURANCE SECTOR’S ROLE IN BUILDING SOCIETY’S FINANCIAL EDUCATION
- Demographic changes with the outlook of 20-30 years
- In which areas the customer’s lack of awareness is visible the most?
- The influence of demographic changes on financial education: How do you reach Generation Z and not forget about the seniors?
- Education for leaders, that is, how to reach the decision-makers?
- Lessons for the youngest: the necessity of cooperation of banks and insurance sector with the education system
- Doesn’t the fast development of new technologies in financial intermediation pose a danger connected with the potential exclusion of seniors?
- How to come back to the path of wise allocation of individual customers’ savings, which would protect their long-term needs?
- How could banks influence the decrease of disproportions and eliminate financial exclusion? (disproportions between countries and regions, and also between customer generations)
Speakers:
- Paweł Szałamacha, Member of the Management Board, Narodowy Bank Polski
- Robert Zapotoczny, President of the Management Board, PFR Portal PPK
- Józef Wancer, Honorary Chairman of the Supervisory Board, BNP Paribas Bank Polska S.A.
- Paweł Jaroszek, Member of the Management Board, Zakład Ubezpieczeń Społecznych*
- Jakub Olek, Head of Public Policy and Government Relations, Central & Eastern Europe Head of Public Policy and Government Relations, Central & Eastern Europe, TikTok*
Day II
26. Banking Forum
10:30 – 11:10 MORAL HAZARD IN BANKING
10:30 – 11:10 Debate
- Social policy of the country and functioning of banks – the safety of customers
- Consequences for financial stability
- Reasons and factors influencing the moral hazard in banking
- Education and building awareness of the borrowers: the efficient means of solving the problem?
- Short- and long-term loans: how to build the morality of Poles?
- Ethical boundaries in law and economics?
Speakers:
- Małgorzata Zaleska, Director of the Warsaw School of Economics (SGH) Institute of Banking, Chairman of the Committee on Financial Sciences, Polish Academy of Sciences (PAN)
- Tadeusz Białek, President of the Management Board, Związek Banków Polskich
- Krzysztof Kalicki, Vice-Chairman of Advisory Board Banking Forum / Vice Chairman of the Supervisory Board in 2003-2019, Deutsche Bank Polska
- Marek Lusztyn, Vice President of the Management Board, mBank
- Iwona Duda, Member of the Rada Polityki Pieniężnej*
- UOKiK Representative*
11:10 – 11:20 Prezentacje: POLITYKA ESG W POLSKIEJ BANKOWOŚCI
11:10 – 11:20 Presentation
- Grzegorz Ignaciuk, Member of the Management Board, Cenatorium
11:20 – 12:15 ESG POLICY IN POLISH BANKING <WITH THE EMPHASIS ON “S”>
11:25 – 12:15 Debate
- Shaping business policy of the banking sector in an environmentally responsible manner. Product offer assessment in terms of its influence on the environment. From the funding of the green transformation of enterprises to payment cards that limit the use of plastic – achievements and future challenges
- Impact of the banking sector on the broadly-understood social and economic environment. Dimensions of social responsibility under the ESG as an opportunity for financial institutions to look.At customers from a different perspective – caring for their financial condition and awareness in making financial decisions
- The role of financial institutions in raising digital competencies and possibilities both of consumers and companies Educational support and creation of technological solutions that answer the needs of various social groups
Speakers:
- Magda Andrejczuk, ESG Director, mBank
- Katarzyna Pawłowicz, Product Director, POland GO To Market, Visa CEE
- Maria Andrzejewska, CEO, UNEP
- Grzegorz Olszewski, President of the Management Board, Alior Bank
- Jarek Rot, Executive Director, Chief Sustainability Officer, BNP Paribas Bank Polska S.A.*
12:15 – 13:00 NETWORKING BREAK
13:00 – 16:00 Parallel session
Trends and challenges in the valuation of real estate securing loans, with particular emphasis on ESG issues*
- The role of ESG in the real estate sector – Speaker: Adam Polanowski, Real estate appraiser, CCIM
- Mandatory and restrictive ESG regulations in the country – TBA
- ESG regulations and real opportunities – support for the transformation process – Mateusz Chachulski, Member of the Management Board, Cenatorium
- ESG from the point of view of development development – implementation vs. innovations in the field of green real estate – Jarosław Bator, President, NDI Development
*Participation in workshops only with a personal invitation, the organizer reserves the right to refuse to participate in the workshop
13:00 – 14:30 RACE FOR CUSTOMER’S ATTENTION AND CARE. WHAT TO DO TO MAKE CONSUMERS’ LIFE EVEN SIMPLER?
13:00 – 13:15 Introductory speech
- Paweł Haltof, Innovation Director & Board Member, Efigence
13:15 – 14:00 Debate
- What should a modern bank look like to be able to address the needs of contemporary customers?
- Does e-commerce constitute the future of selling financial products?
- How to shorten the customer journey and save customers’ time? How to speed up the closing of the purchase?
- Relationship with a customer in digital channels with the use of generative AI
- Data: what kind of data is helpful, how to find it, and how to analyze and use it to personalize services?
- Bank customer protection – what to do to make customers feel safe in the digital world?
Speakers:
- Magdalena Proga-Stępień, Member of the Management Board, managing the Retail Banking Division, Santander Bank Polska S.A
- Aleksandra Sroka-Krzyżak, VP Group Strategy, M&A & Corporate Development, Allegro
- Wojciech Rybak, Vice-President of the Management Board, Bank Millennium SA
- Przemysław Furlepa, Vice President of the Management Board, BNP Paribas Polska S.A.
- Wojciech Werochowski, Vice President of the Management Board, managing the Retail Banking Division. Bank Pekao S.A.*
14:00 – 14:30 Case study x2
14:30 – 15:30 MORTGAGE MARKET AND THE STATE’S HOUSING POLICY: WHAT ROLE DO THE BANKS PLAY?
14:30 – 15:30 Debate
- Goods or services, what is an apartment (a mortgage) for Kowalski?
- The condition of the construction market. What is the current business situation in the construction industry?
- Changing preferences of customers: How do customers’ expectations regarding mortgages evolve, and how can the industry adjust its offer to these changes?
- The National Housing Program: How does the country support its citizens? What is the position of banks?
- Does an apartment constitute social or market goods?
- Don’t we, as a society, make subconscious assumptions that everybody has to live somewhere and has a right to an apartment?
Speakers:
- Tomasz Styczyński, President of the Management Board, Krakowski Bank Spółdzielczy
- Piotr Uściński, Secretary of State, Ministerstwo Rozwoju i Technologii
- Rafał Litwińczuk, Vice-President of the Management Board, Alior Bank*
- Mirosław Skiba, President of the Management Board, SGB*
- Barbara Sobala, Vice-President of the Management Board, Citi Handlowy*
15:30 LUNCH
Day II
22. Insurance Forum
10:30 – 11:15 HOW TO BUILD AN ATTRACTIVE INSURANCE MARKET?
- How to create a positive and responsible image of the insurance sector?
- What factors influence the reputation, value, and development of the sector?
- Responsibility for a customer
- The role of insurers’ marketing strategies
- How can ESG influence building a company’s image?
Invited Speakers:
- Piotr Narloch, President of the Management Board, Interrisk
- Aleksandra Agatowska, President of the Management Board, PZU Życie
- Roger Hodgkiss, President of the Management Board,Generali*
- Marcin Kulawik, Acting President of the Management Board, Allianz*
11:15 – 12:15 DISTRIBUTION OF INSURANCE IN ADVERSE MACROECONOMIC CONDITIONS
- Distribution development plans of insurance for the next few years
- Price management in insurance. Are the prices appropriate? How will the prices change in the incoming months?
- How to adjust the offer in the age of current events: the war, inflation, and accelerated digital transformation?
- Digital comfort of a customer: each segment requires a different approach to product construction – what is a distributor’s role?
- How to reach the customer most efficiently?
- Silver Generation: What to do to not “lose” the older generation in the whirl of new technologies?
- Generation Alpha: how different will their requirements and behaviors be? How will insurers have to address them?
- The new role of an agent in the more and more digital world. How to support digitization in the relationship between the insurer and the agent?
Invited Speakers:
- Michał Dworakowski, Co-Founder, Managing PartnerCo-Founder, Managing Partner, Polskie Polisy sp. z o.o.
- Małgorzata Adamczyk, Member of the Management Board, Punkta
- Marcin Konopka, President of the Management Board, Berg System
- Joanna Kościuch-Malinowska, Country Manager, Comadso
Moderator:
- Artur Olech, Przewodniczący Rady Programowej Insurance Forum*
12:15 – 13:00 NETWORKING BREAK
13:00 – 14:35 THE WAVE OF INNOVATION DOES NOT WEAKEN: TECHNOLOGY IN INSURANCE
13:00 – 13:10 Presentation
- Jacek Nowak, COO/CTO, ITSurance Group
- Romuald Paprzycki, CEO, Minte.a
13:10 – 13:20 Presentation
- Capco Representative
13:20 – 13:30 Case study: How insurance uses AI in innovation across the entire value chain?
- Michał Herbich, Partner, Leader of advisors for the insurance sector, Head of the Actuarial Group for Central and Eastern Europe, KPMG Poland
13:30 – 14:20 Debate
- What technological plans do insurers have for the coming months?
- Embedded Insurance: the main technological trends
- Technological development vs. the cooperation of insurtechs with insurers
- Platforms – are we aiming for a single platform for all services? The idea of customer interaction using public platforms
- PSD2 → PSD3. Insurers will have to share data – when will it happen?
- Transformation in a data-driven organization: in which areas will using advanced data analytics bring the most advantages?
- Who has access to data? Where to obtain data from? How to use data? Is inter-sectoral cooperation crucial? The new strategy of using data. European policy of data access
- Do AI and ML generate new types of risk in the insurance sector?
- AI pilots in insurance
Invited Speakers:
- Capco Representative
- Sebastian Geldner, Business development director in the Central and Eastern Europe region,Visa
- Monika Leżyńska, Member of the Management Board, Allianz
- Magdalena Macko-Gizińska, Chief Customer Officer, Board Member, Nationale-Nederlanden Poland
- Ewa Dąbrowska, Vice President of the Management Board, SIGNAL IDUNA
- Bartłomiej Krauze, Director of the controlling and analysis department, Europa Ubezpieczenia
- Rafał Mosionek, Deputy Chairman of the Management Board, Compensa*
Moderator:
- Ida Krzemińska-Albrycht, Managing Director, Cashless.pl
14:20 – 14:35 Challenges and Opportunities for the Health Ecosystem driven by Technology
- Piotr Sopel, Director of Business Development, Future Healthcare Polska
14:35 – 15:30 LIFE AND HEALTH: MAIN TRENDS SHAPING HEALTH INSURANCE HEALTH AND LIFE INSURANCE
- Is there comprehensive insurance for life and health?
- How do the inflation and the cost-of-living increase translate into the popularity of private health insurance?
- Group insurance – employee protection- how to care for employees’ comfort and health?
- New customer demand: psychological care, interest in diagnosing infectious diseases, growing popularity of hospital insurance.
- Technology in life and health insurance. New products and new implementations
- Telemedicine and developing cooperation with Medtechs
Prelegenci:
- Leszek Skop, President of the Management Board, PKO Ubezpieczenia
- Andrzej Jaworski, President of the Management Board, PZU Życie SA
- Edyta Fundowicz, Member of the Management Board, Nationale-Nederlanden
- Piotr Matysiak, Member of the Management Board, ERGO Hestia*
- Jarosław Szwajgier, Member of the Management Board, Compensa*
15:30 LUNCH