6 - 7 April 2016
Sheraton Hotel, Warsaw
Key meeting of representatives of banking and insurance
M eeting of Leaders
Spotkanie Liderรณw Banking Forum XI EDITION
Spotkanie Liderรณw VII EDITION
VII edition
The Grand gala
OF BANKING AND INSURANCE
LEADERS
XI EDYCJA FORUM
VII EDYCJA FORUM
V EDYCJA
www.bankowosciubezpieczenia.pl
6 - 7 April 2016
Spotkanie Liderów
Sheraton Hotel, Warsaw
M eeting of Leaders
ABOUT CONFERNECE Banking and Insurance Leaders Meeting is cyclical event implemented successfully for many years, that brings together key-individuals and companies representative of the Polish Financial Sector. It provides a forum for experience exchange between various players in the field of commerce, from the business side as well as institutions that create legal environment. By choosing the most fitting subjects it begins discussions on the most crucial matters for the financial sector. The event provides a neutral platform for regulator initiates the debate by choosing relevant topics on crucial issues concerning the sector. The event provides a neutral platform for discussions. which create large part of GDP. The event provides a neutral platform for discussion, supports exchange of ideas and opinions between people involved in banking, insurance and receivables sectors. The Meeting is a place that inspires change and creates new trends. During the upcoming, 2016 spring edition Leaders Meeting will consist of: • 11th Banking Forum • 7th Insurance Forum • The Grand Gala of Banking and Insurance Leaders
The combination of these events covers all of the most crucial problems that the financial sector is facing. Advisory Boards under the chairmanship of Mr. Mariusz Grendowicz (Banking Forum), Mr. Artur Olech (Insurance Forum) and independent jury will guarantee the best choice of subjects. During the Vth Grand Gala of Banking and Insurance Leaders the independent jury will reward individuals that have contributed to the development of the banking and insurance sector, as well as the best institutions and the most interesting solutions of 2015. Together, all of that makes the Leaders Meeting prestigious and one of a kind place, for key-representatives of Banking and Insurance market.
TARGET GROUP 2% 4%
2 % 2 % 1 %1 %
4%
29 %
5%
12 % 21%
Consulting - 29 % IT - 21 % Banks - 17 % Public Institutions - 12 % Investments - 5 % Insurance - 4 % Others - 4 % Administration - 2 % Payments - 2 % Press - 2 % Telecom - 1 % Energy - 1 %
17 % www.bankowosciubezpieczenia.pl
zgloszenia@mmcpolska.pl 22 379 29 00
6 - 7 April 2016
Spotkanie Liderów
Sheraton Hotel, Warsaw
Banking Forum
M eeting of Leaders ADVISORY BOARD JACEK BARTKIEWICZ Member of the Management Board, National Bank of Poland
NORBERT BIEDRZYCKI CEO Atos Polska, VP CEE System Integration
TOMASZ BOGUS President 2009-2015 of the Management Board, Bank Pocztowy
JOAO BRAS JORGE President of the Managment Board, Bank Millennium
KRZYSZTOF KALICKI Vice-Chairman of Advisory Board / President of the Management Board, Deutsche Bank Polska
MARIUSZ GRENDOWICZ Chairman of Advisory Board
WOJCIECH CZAJKOWSKI Managing Director, PayU
PIOTR CZARNECKI President of the Management Board, Raiffeisen Polbank
DARIUSZ DANILUK President of the Management Board, Bank for Environmental Protection
MIKOŁAJ DOWGIELEWICZ Representative of the European Investment Bank in the European Union
BOŻENA GRACZYK Partner, Financial Risk Managment, KPMG in Poland
MICHAŁ HANDZLIK President of the Management Board, Debt Trading Partners
ZBIGNIEW JAGIEŁŁO President of the Management Board, PKO Bank Polski
ANDRZEJ JAKUBIAK Chairman, Polish Financial Supervisory
RAFAŁ JUSZCZAK President of the Management Board, Alfa Bank Białoruś
DARIUSZ KACPRZYK President of the Management Board, Bank Gospodarstwa Krajowego
PIOTR KACZMAREK President of the Management Board, Getin Holding
MARIUSZ KLIMCZAK President of the Management Board 2009-2015, Bank for Environmental Protection
STANISŁAW KLUZA Warsaw School of Economics, Chairman of Polish Financial Supervisory Authority 2006-2011
MAŁGORZATA KOŁAKOWSKA President of the Management Board, ING Bank Śląski
ALICJA KOPEĆ President of the Management Board, Provident Polska S.A.
PRZEMYSŁAW KURCZEWSKI President of the Management Board, EmiTel
SZYMON MIDERA President of the Managment Board, Bank Pocztowy
TOMASZ MISIAK President of the Supervisory Board, MM Conferences
MAŁGORZATA O’SHAUGHNESSY Regional Managing Director, Central Eastern Europe, Visa Europe
MICHAŁ PIEPRZNY CEO Poland, PAYBACK
KRZYSZTOF PIETRASZKIEWICZ President, The Polish Bank Association
DARIUSZ PIOTROWSKI Board Member, Microsoft Polska
KRZYSZTOF ROSIŃSKI President of the Management Board, Getin Bank
ADAM RYBUSIEWICZ Country Manager, FICO Poland
SŁAWOMIR S. SIKORA President of the Management Board, Bank Citi Handlowy
MICHAŁ SKOWRONEK Director General for Poland and Balkans, MasterCard Europe
WOJCIECH SOBIERAJ President of the Management Board, Alior Bank
JAN VINCENT – ROSTOWSKI Vice-Prime Minister 2013 and Minister of Finance 2007-2013
JÓZEF WANCER President of the Management Board, Bank Gospodarki Żywnościowej
MACIEJ WITUCKI Chairman of Supervisory Board, Orange Polska
MAŁGORZATA ZALESKA Member of the Management Board, National Bank of Poland
DAMIAN ZAPŁATA CEO, First Data Polska
PIOTR ZESIUK President of the Management Board, MM Conferences
MARCIN ŻUCHOWICZ President of the Management Board, e-point SA
www.bankowosciubezpieczenia.pl
zgloszenia@mmcpolska.pl 22 379 29 00
Banking Forum
M eeting of Leaders DAY I – 6 April, 2016 COMMON PART FOR THE BANKING FORUM AND THE INSURANCE FORUM 9:00 – 9:30
Registration, morning coffee
11:15 – 11:45 Coffee break
9:30 – 9:45
Opening ceremony
11:45 – 13:00 Panel discussion
Mariusz Grendowicz, Przewodniczący Rady Programowej Banking Forum Artur Olech, Przewodniczący Rady Programowej Insurance Forum
9:45 – 11:15 Oxford debate:
Re-polonization / financial sector domestication yy Definition? yy What it’s for? yy Is this a real way out? yy Where the resources may come from? yy Consequences? yy What next? – investors perspective yy Re-polonization and nationalization yy Under what conditions re-polonization is beneficial for the financial sector? yy What is the role of banking-insurance sector in the economic safety? yy The role of economic patriotism yy Corporate Social Responsibility held by financial institutions
The impact of the new assets requirements and public tributes on future of banking sector in Poland: yy The prices of banking services in Poland on the background of Europe. Analysis of the test results yy „The most expensive banking services in Europe – self-fulfilling prophecy after setting banking tax?” yy The financial results of setting banking tax from the perspective of clients, banks’ employees and the Treasury yy The role and legitimacy of appointing the Fund of Supporting Debtors. Potential threats yy Macroeconomic results of increasing financial burdens on banks. Effects of lack of coordination between the Financial Supervision Authority and the Ministry of Finance. yy Reaction of foreign investors - potential scenarios
13:00 – 14:00 Lunch
XI BANKING FORUM 14:00 – 15:15 Panel discussion
Single Supervisory Mechanism and Single Resolution Mechanism – impact on the polish banking sector
15:15 End of the first day of the Conference DAY II – 7 April, 2016 9:00 – 9:30
Registration, morning coffee
9:30 – 11:00 Oxford debate:
Beginning of the ending of universal banks? yy Are universal banks dinosaurs or rather elephants? yy Is dominating model in Europe going to change - who and what creates challenges for universal banks? Regulators, market, business model, technology… yy What regulatory and market factors make changes in business structures of universal banks? Will universal banks adapt to the new environment, or die? yy Which regulations strengthen universal banks’ sector, and which undercut their further development? yy The effectiveness of the model of universal banks and specialized by the point of view of returns and risks for investors yy The versatility and specialization of banks by the point of view of : service for clients, comfort of operating, individualized solutions, operational costs, absorption of innovations, costs of assets, stability, diversification of incomes and risk of the bank, level of return and risk for depositors yy Does the division of universal banks into specialized units by the regulatory market increase valuation of this kind structure? yy Do universal banks or specialized increase added value in today’s economy? Can present polish economy resign from universal banks? Who will replace them? yy How big is the gap between non-bank entities and the traditional banks and whether the second ones have a chance to complete it?
11:00 – 12:30 Panel discussion
The PSD II directive and its impact on the future of the banking industry and players present in it: yy Will fintechs be provider of customer experience in a few years, acting on the basis of the PSD II, or banks, for which brands, reinforced by the asset of trust, will stand fintechs? yy API Banking in the context of PSD2D directive yy New players in financial services market - how to define them and how dangerous are they for banks? What are the major strengths of both sides? yy Payments as the first area of confrontation. The issue of legal conditions yy How much truth id in the statement that, while the banking law constitute that only institutions with banking license can collect deposits, the risk for banks from loan companies is moderate? yy Platforms peer-to- peer (P2P) vs loan companies – who can strike more effectively into credit activties of banks? yy Banks in the face of the digital revolution. How should (must) they respond to the changes thich are in progress? yy The movement on the consumer credit market and improvement of economic situation vs competition from micro-loan companies - how should banks behave and in which direction change (should they change?) their business model in this area? yy Sharing banking information to third companies - opportunities, challenges, threats yy The impact of implementation of the directive on banking sector
www.bankowosciubezpieczenia.pl
yy Awareness of changes among bankers yy Change of the role of the Financial Supervision Authority yy The new perception of risk by financial institutions yy Today’s consumer doesn’t want long or complicated procedures. He wants money at his disposal virtually anytime and anywhere. How is the easiest and fastest - whether the FinTech solutions are able to cope with this task ?
12:30 – 13:00 Coffee break 13:00 – 14:15 Panel discussion Digitization in banking:
yy „Google effect”. Did banks loose control over communication with the client? How to build loyalty in the digital world? yy External digitizing (client - bank). What’s next after Mobile Banking? Digitization in Omnichannel model. Digitization and advisory banking model. yy Digitization of internal processes. Is digitization of internal processes separate from external processes ? Why is internal digitization progressing so slowly? Could digitization of internal processes be the answer to rising costs? yy Digitization traps. Do traditional banks disappear? Safety in the digital world. yy Wider context of digitization. Digital identity as a foundation for further digitization of banking processes. How can banks benefit from the digitization of other spheres of life (for example: commerce, government , health care) yy Digital Finance - how far away from the traditional solutions we can move on to the virtual world ? yy What are the actual cash flows that can be digitized, what is their size, and therefore the impact?
14:15 – 15:30 Panel discussion Teleinformatic security:
yy Do banks need to fully subordinate to information technology? yy Is IT risk is ubiquitous in the bank? Are there areas of banking activity free from IT risk? yy How do banks protect themselves from IT risk ? Are these actions correct and effective? yy What added value do solutions provide to mobile banking? What risk lies in them? yy What should be more important for the bank: speed and convenience or safety? yy Do the struggle for clients with a use of new information technologies threatens safety of banks? yy The date when General Data Protection Regulation will oblige directly is coming. Are banks prepared to take on new obligations coming from these regulations?
15:30 – 16:30 End of second day of the Conference. Lunch.
zgloszenia@mmcpolska.pl 22 379 29 00
6 - 7 April 2016
Spotkanie Liderów
Sheraton Hotel, Warsaw
Insurance Forum
M eeting of Leaders ADVISORY BOARD PAWEŁ BISEK President of the Managment Board, Benefia
NICHOLAS CIESLEWICZ Managing Partner, SCBP Cieslewicz-Bartecki Partnership
FRANZ FUCHS President of the Supervisory Board, Vienna Insurance Group in Poland
RYSZARD GRZELAK President of the Management Board, Europ Assistance Polska
JAN BOGUTYN Honorary Chairman of the Advisory Board
ARTUR OLECH Chairman of the Advisory Board / President of the Management Board, Ubezpieczenia Pocztowe
RAFAŁ HISZPAŃSKI President of the Management Board, Euler Hermes
PAWEŁ JAKUBIK Member of the Management Board, Microsoft Polska
ANDRZEJ JARCZYK President of the Management Board, Uniqa
JAROSŁAW JAWORSKI President of the Management Board, Coface
WITOLD JAWORSKI President of the Board, PZU Życie; Member of the Board, PZU
ŁUKASZ KALINOWSKI President of the Management Board and General Director, Metlife
STANISŁAW KLUZA Chairman of Polish Financial Supervisory Authority 2006-2011, Warsaw School of Economics
ALEXANDER KONOPKA President of the Management Board, Gras Savoye Polska
ELIGIUSZ KRZEŚNIAK Member of the management board of, PZU SA, Partner in Squire Patton Boggs
SŁAWOMIR ŁOPALEWSKI President of the Management Board, PKO Ubezpieczenia
MAŁGORZATA MALISZEWSKA President, Arbitration Court at Polish Financial Ombudsman
TOMASZ MISIAK President of the Supervisory Board, MM Conferences
PIOTR NARLOCH President of the Management Board, Interrisk
MARAT NEVRETDINOV President of the Management Board, TU Europa
MARCIN PAWLAK President of the Supervisory Board, ATTIS Group
DARIUSZ PONIEWIERKA President of the Management Board, Export Credit Insurance Corporation Joint Stock Company
ADAM SANKOWSKI President of the Managment Board, The Polish Chamber of Insurances and Finance Intermediaries
BOGUSŁAW SKUZA Member 2011-2013 of the Management Board, PZU
PAWEŁ SZCZEPANKOWSKI Managing Director, Atradius Polska
MACIEJ SZWARC President of the Management Board 2004-2015, AXA Polska
JUSTYNA WAJS-JAKIMCZYK President of the Management Board, Atena
ELŻBIETA WANAT-POŁEĆ President of the Managment Board, Ubezpieczeniowy Fundusz Gwarancyjny
MARCIN WARSZEWSKI General Director, Liberty Ubezpieczenia
MARIUSZ WICHTOWSKI President of the Managment Board, Polish Motor Insurers‘ Bureau
DAGMARA WIECZOREK- BARTCZAK Director, Insurance and Pension Inspection Department, Polish Financial Supervisory
EWA WIERZBICKA Arbitrator, Arbitration Court at Polish Financial Ombudsman
LESZEK WROŃSKI Partner, Chair of Consulting Services in KPMG in Poland and
MAREK ZEFIRIAN President of the Management Board, Starter24
PIOTR ZESIUK President of the Managment Board, MM Conferences
PAWEŁ ZIEMBA President of the Management Board, Skandia
PAWEŁ ZYLM Member of the Management Board, BRE Ubezpieczenia
AGNIESZKA ŻOŁĘDZIOWSKAKULIG General Director, AIG Europ Limited
www.bankowosciubezpieczenia.pl
zgloszenia@mmcpolska.pl 22 379 29 00
Insurance Forum
M eeting of Leaders DAY I – 1st of April, 2015 COMMON PART FOR THE BANKING FORUM AND THE INSURANCE FORUM 9:00 – 9:30
Registration, morning coffee
11:15 – 11:45 Coffee break
9:30 – 9:45
Opening ceremony
11:45 – 13:00 Panel discussion
9:45 – 11:15 Oxford debate
Re-polonization / financial sector domestication yy Definition? yy What it’s for? yy Is this a real way out? yy Where the resources may come from? yy Consequences? yy What next? – investors perspective yy Re-polonization and nationalization yy Under what conditions re-polonization is beneficial for the financial sector? yy What is the role of banking-insurance sector in the economic safety? yy The role of economic patriotism yy Corporate Social Responsibility held by financial institutions
The impact of the new assets requirements and public tributes on future of banking sector in Poland: yy The prices of banking services in Poland on the background of Europe . Analysis of the test results yy „The most expensive banking services in Europe – self-fulfilling prophecy after setting banking tax?” yy The financial results of setting banking tax from the perspective of clients, banks’ employees and the Treasury yy The role and legitimacy of appointing the Fund of Supporting Debtors. Potential threats yy Macroeconomic results of increasing financial burdens on banks. Effects of lack of coordination between the Financial Supervision Authority and the Ministry of Finance. yy Reaction of foreign investors - potential scenarios
13:00 – 14:00 Lunch
VII INSURANCE FORUM DAY II – 7 April, 2016
14:00 – 15:15 Panel discussion
Digital channels and their future role in distribution and use of insurance? Insurance client in the future? Preferences of digital customer yy What will be future insurance client like? Does the future client is a digital client? How will change behaviors and expectations of clients (a) towards products (b) towards service (c) independence in purchase and need of support from the seller (d) towards contact channels? yy How various are/will be client’s expectations? What insurers know about their clients? How insurers devide them into segments and whether this segmentation is adequate to insurance world of the future. yy Where will online develop - in sale or service of insurance? Will online service become a standard? What will be the role of the online client’s account?
9:00 – 9:30
Registration, morning coffee
9:30 – 11:00 Panel discussion
Digital Agent - how to digitize the agent to the maximum? The vision of future agent. How the role of brokers and their work will change in the coming years? yy What will be the impact of digitalization of the business environment, insurers process and chaining consumer expectation on the brokers? To what extent sales through the agency channel will be digitalize - how the agent model will change and what are going to be the benefits for the customer, agent and insurance companies? What new tools agents will have ? How their business model is going to change?
yy What channels will be favored at what stage of the customer’s life cycle („customer journey”)? For which products?
yy What will be the role of agent / broker in the process of ecosystem and insurance companies channels - will it continue to be an independent island?
yy What features of online insurance portals will become the standard in insurance?
yy What will look like the synergies between the agent channel, the Internet and mobile applications?
yy How important will be availability of online channel for future clients while choosing insurance?
yy Will the agent offer its own direct? Digitized agents and websites with insurance offer comparison as equal in the future?
yy Omnichanneling or only multichanneling as the market standard? Will the client expect omnichanneling and at what stages of service? Examples from the world? Examples from other industries?
yy To what extent the Omnichannel will affect the agent channel (Omnichanneling - customer service through multiple channels)?
yy What will be the role of social media?
yy The role of agent in the future - in which direction? Are we expecting a change in the role of the broker from ordinary seller of „policy administrator” to „advanced adviser”? Will the role of the agent as adviser be more specialized? What role will play digital channels in this specialization?
yy Will management by the offer of value / customer experience make sense in insurance?
yy What will look like the integration of the agents IT systems with the insurance systems? How it will affect the market?
yy What will be the role of mobile applications? Are mobile applications only a marketing catch, or will they change a way of offering and servicing assurance?
yy Traditional insurers vs. new players from outside the sector - who and why is it better prepared for the digital revolution and come out victorious?
15:15 End of the first day of the conference www.bankowosciubezpieczenia.pl
zgloszenia@mmcpolska.pl 22 379 29 00
Insurance Forum
M eeting of Leaders DAY II – 7 April, 2016 VII INSURANCE FORUM
11:00 – 12:30 Panel discussion
Modern IT solutions in sales channels: Interaction Client Agent - Insurance yy New insurance client - today’s generation Y expectations as a future challenge for sales channels. Digitization of sales channels. Information challenges for insurance companies, how to insure the identity hybrids? yy Innovation in insurance sales. Process and insurance products optimization it’s not enough to talk about innovation in insurance. For what do we need new technologies and changes in insurers attitude? yy Modern information systems for insurance sales - new technologies as the sole component connecting groups of buyers to win a price war insurers must arm themselves with informatics “weapons” - tailored to the market yy New business models: crowdsourcing, freemium, sharing economy, influencer marketing, mass customization, group buying, personal informatics. Whether they be used in in insurance sales? yy Funding model for new customers applications yy Direct insurance sales models. How current business models had proven? Can we considered companies acting this way as the most dynamic in the market? yy Insurance without insurance agents - the use of applications that help you manage your savings , pay for customers’ bills, send money to friends or relatives, build loyalty.
12:30 – 13:00 Coffee break
yy how to change detriment to additional margin by technology; up-selling in insurance on the example of diagnosis and selling accumulators on the road yy automation of contact with client, client’s empowerment in order to shorten time of service and reduction of costs yy what technological innovations will affect the traditional business model of insurers?
14:15 – 15:30 Panel discussion
Awareness of the value of insurance - the role of the insurance companies in the process of customer education concerning specifics of insurance and protectiveinvestment products. yy Insurance company as a brand with public confidence – building trust and acting outside the business scope with regard to needs and social trends. yy The impact of social campaigns conducted by financial institution on the industry’s image yy Using the marketing tools to communicate with customer – how to sell and teach simultaneously yy Aspects that determine the choice of insurance partner yy User Experience for the insurance sector - what can FinTech bring?
15:30 – 16:30 End of second day of the Conference. Lunch.
13:00 – 14:15 Panel discussion
The role of modern technology in increasing the profitability of insurance yy technology as a way to build a competitive advantage in terms of price pressure yy big data, ways of using data about clients and their behavior, risk analysis on the example of telematics solutions yy creating new products based on new technologies on the example of connected car and autonomous cars (pay per use, pay as you drive) yy tools to maintain permanent contact with the client (mobile applications, remote monitoring, diagnosis and support) yy the speed and reliability of client’s service in case of damage on the example of e-Call and b-Call yy tools reducing costs in the process of liquidation detriments (claim freeze, damage liquidation in the place of accident, mobile applications, shortening damage liquidation)
www.bankowosciubezpieczenia.pl
zgloszenia@mmcpolska.pl 22 379 29 00
6 - 7 April 2016, Sheraton Hotel, Warsaw
THE GRAND GALA OF BANKING AND INSURANCE LEADERS
DURING THE VTH GRAND GALA OF BANKING AND INSURANCE LEADERS THE INDEPENDENT JURY WILL REWARD INDIVIDUALS THAT HAVE CONTRIBUTED TO THE DEVELOPMENT OF THE BANKING AND INSURANCE SECTOR, AS WELL AS THE BEST INSTITUTIONS AND THE MOST INTERESTING SOLUTIONS OF 2015.
Competition categories: BEST BANK: »» large (with equity greater than PLN 1.5 billion) »» medium and small (with equity of less than PLN 1.5 billion) • THE MOST INTERESTING INNOVATION FOR THE BANK • THE MOST INNOVATIVE BANK • THE FASTEST GROWING BANK • MAN OF THE YEAR IN BANKING • BEST INSURER • THE MOST INTERESTING INNOVATION FOR INSURER • THE FASTEST GROWING INSURER • MAN OF THE YEAR IN INSURANCE
6 - 7 april 2016, Sheraton Hotel, Warsaw
THE GRAND GALA OF BANKING AND INSURANCE LEADERS
6 - 7 April 2016
Sheraton Hotel, Warsaw
STRATEGIC PARTNERS MEETING OF LEADERS
STRATEGIC PARTNERS BANKING FORUM
PARTNERS BANKING FORUM
Red C 0 M 100 Y 90 K 5
MERITORICAL PARTNER BANKING FORUM AND INSURANCE FORUM
STRATEGIC PARTNER INSURANCE FORUM
PARTNERS MEETING OF LEADERS
TECHNOLOGICAL PARTNER
PRIVATE TAILORING PARTNER
PARTNERS INSURANCE FORUM
SPONSOR OF INSURANCE FORUM
HONORARY PARTNERS MEETING OF LEADERS
MEDIA PATRONAGE MEETING OF LEADERS
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Aneta Pernak - Kwestie merytoryczne i współpraca
tel: +48 22 379 29 18
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tel: +48 22 379 29 44
Tomasz Petruk - Kontakt dla prelegentów
tel: +48 22 379 29 41
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zgloszenia@mmcpolska.pl 22 379 29 00