viii wibs materiały a4 eng v6

CONFERENCE MATERIALS

www.en.bankowosciubezpieczenia.pl

Meeting of Leaders

Meeting of Leaders

Meeting of Leaders

Key meeting of representatives of insurance and banking

22 - 23 October 2014 The Westin Warsaw Hotel

Warsaw InternationalBanking Summit

8th Edition of the FORUM

4th Edition of the Forum

1st Edition

22nd October 2014

2nd Edition

Debt collections IN BANKING SECTOR - CURRENT MARCET TRENDS

23rd October 2014

22-23 October 2014, Hotel Westin, Warsaw

www.bankowosciubezpieczenia.pl +48 22 379 29 002

Meeting of Leaders

Meeting of Leaders

Meeting of Leaders

ROOMA

Day II - 23 October

Day I - 22 October


ROOM A ROOM B ROOM C

ROOM A ROOM B ROOM C

CONFERENCE STRUCTURE

PROFILE OF PARTICIPANTS OF PREVIOUS EDITIONS

POSITIONS:

9 OWNERSHIP

9 MANAGEMENT

9 DIRECTORS

9 REPRESENTATIVES OF FOLLOWING DEPARTMENTS:

» Bancassurance

» Strategy

» Sales

» Legal & Compliance

» Customer service

» Marketing

» Controlling

» IT

» Research and Development

» Administration

» Payments


26%

21%

1%8 %2 %

16 %

2 %

8 %

2 %

12 %

2 %

Legal & Compliance - 26 %

Energy - 2 %

Public Institucions - 12 %

Investments - 2 %

IT - 8 %

Press - 2 %

Insurance - 16 %

Vindication - 2 %

Central Administration - 8 %

Construction - 1 %

Banks - 21 %

Debt collectionsIN BANKING SECTOR - CURRENT MARCET TRENDS



FRAMEWORK AGENDA

FRAMEWORK AGENDA

DETAILED PROGRAM AVAILABLE ON PAGE. 8.

godz. Banking Forum

14:15 – 15:30 Discussion panel: Evolution of financialinstitutions role in contemporary economics

15:30 – 16:45 Discussion panel: Bail-in system (BankingUnion) – who is going to pay?

16:45 END OF THE 1ST DAY OF THE CONFERENCE


godz. Insurance Forum

14:15 – 15:15 Discussion panel: Big Data in practice – is it functioning in insurance and banking? Is it reality or still just a dream?

15:15 – 15:30 Introduction speech to the panel: Importance of access to credit data for security of insurance transactions

15:30 – 15:45 Introduction speech to the panel:The implementation of multi-channel sales platform, integrated with systems for insurance companies. Case of the insurance company AEGON Group

15:45 – 16:45 Discussion panel: Insurance sales modelsevolution in the market and regulatory changes perspective



godz. Receivables Management Forum

14:15 – 15:00 Discussion panel: Economic InformationBureaus (EIB) – law changes, operation model changes

15:00 – 15:45 Discussion panel: Court execution, courtexecution bodies

15:45 – 16:30 Discussion panel: Ministry of finance’sregistry project, so called “the black list ofdebtors”

16:30 – 17:15 Discussion panel: Modern debt collectionrole in the business trade

17:15 END OF THE CONFERENCE

DETAIL PROGRAM AVAILABLE ON PAGE 8.

godz. Leaders meeting joint session

9:00 Registration, morning coffe

9:30 Opening ceremony: Polish Financial Supervision Authority recommendations in the light of EU legislation

9:45 – 11:15 Discussion panel: Cohesion of regulatory systems of financial institutions with economic policy directions of countries

11:15 – 11:45 Coffee break

11:45 – 13:15 Discussion panel: Changes in bank and insurance business models in the face of regulations, technologies, supervisory practice and changes of economic ecosystem

13:15 Lunch



godz. Banking Forum

8:30 – 9:00 Registration, morning coffee

9:00 – 9:15 Introductory speech: Banking Location Analytics - modern solutions for decision making - how to be present on given micro-markets considering clients’ behavior and preferences as well as spatial information

9:15 – 10:30 Discussion panel: Bank client characteristics vol. 2

10:30 – 11:45 Discussion panel: One step further – cooperation of banks with other sectors

11:45 Coffee break

12:15 – 12:30 Introductory speech: Digital client preferences on the basis of our market research

12:30 – 13:45 Discussion panel: Cash, card and mobile payments - changes

13:45 – 14:45 Discussion panel: Is saving money worth it?

14:45 Lunch



godz. Insurance Forum

8:30 – 9:15 Registration, morning coffee

9:15 – 10:30 How will the bancassurance market looklike in a few years?

10:30 – 11:45 Discussion panel: The development of insurancesaving – investment products.Can we afford to save?

11:45 Coffee break

12:15 – 13:30 Discussion panel: Reputational risk of thefinancial industry in the context of creating value for the customer

13:30 – 14:45 Discussion panel: Changing business models offinancial institutions in the mass customer segment – will insurers and banks survive?

14:45 Lunch



godz. Debt Collections

8:45 – 9:15 Participant registration, morning coffee

9:15 – 9:45 Rules of successor’s responsibility for debtor’s liabilities

9:45 – 10:05 Notary role in inheitance cuases

10:05 – 10:35 Best bank’s practices with successor’s debt collection

10:35 – 11:05 Discussion Panel: Effectiveness of redress from debtor’s heirs

11:05 – 11:45 Practical aspects of debt collection incuding the latest regulations and legal frames

11:45 Coffee break

12:15 – 13:00 Court enforcement officer and debtee cooperation in the proces of real estate debt execution

13:00 – 13:30 Real estate valuation for the purpose of execution proceedings – case study

13:30 – 14:15 Real estate takeover as an alternative solution for satisfying debtees claims

14:15 – 14:45 Discussion panel: Foreclosure mortgage “The devil is not so black…”

14:45 Lunch

15:45 END OF THE CONFERENCE


II DAY, 23 OCTOBER 2014

I DAY, 22 OCTOBER 2014


Conferences will be translated simultaneously: eng-pl, pl-eng


Debt collectionsIN BANKING SECTOR - CURRENT MARCET TRENDS



8th EDition of the FORUM22-23 October 2014, Hotel

Westin, Warsaw

Warsaw International Banking Summit is the eighth edition of the Banking Forum. This cyclical event is a unique and prestigious platform for the exchange of ideas and opinions on the international level for key players in the financial sector. It aims to examine the changes taking place in the sector, seek effective models of joint action and create opportunities for participants to establish business contacts with decision-makers directly. The substantive scope of the summit is co-created in cooperation with presidents of banks and financial institutions who constitute the Advisory Board. During their meetings the most important regulatory, technological, and business issues are selected to be the subjects of debates during the conference.

Every year Banking Forum gains an institutional support of an increasing number of national and international regulators,institutions involved in banking and finance, think tanks, non-profit organizations, embassies, etc. In each edition the summit brings together representatives of the European Commission, the National Bank of Poland and Financial Supervisory Authority.The project is conducted simultaneously with the Insurance Forum, an event addressed to the representatives of the companies and institutions from the insurance industry. The combination of these two conferences enables a comprehensive discussion on key issues and challenges for the financial sector, new trends and changes. It also ensures the presence of the most important representatives of both industries.

ABOUT THE CONFERENCE




8th EDition of the FORUM

MEMBERS OF BANKING FORUM ADVISORY BOARDJACEK BARTKIEWICZMember of the Management Board, National Bank of Poland

PIOTR CZARNECKIPresident of the Management Board, Raiffeisen Polbank

TOMASZ BOGUSPresident of the Management Board, Bank Pocztowy

MARIUSZ GRENDOWICZChairman of Advisory Board

KRZYSZTOF KALICKIVicechairman of Advisory Board / President of the Management Board,Deutsche Bank Polska

MICHAŁ HANDZLIKPresident of the Management Board, Debt Trading Partners

ZBIGNIEW JAGIEŁŁOPresident of the Management Board, PKO Bank Polski

BOŻENA GRACZYKChartered Accountant, Partner and Head of Accounting Advisory Services and Financial Risk Management, KPMG in Poland

DARIUSZ DANILUKVicepresident of the Management Board, Bank for Environmental Protection

MIKOŁAJ DOWGIELEWICZVicegovernor, Council of Europe Development Bank

PRZEMYSŁAW KURCZEWSKIPresident of the Management Board, EmiTel

TOMASZ MISIAK Preseident of the Supervisory Board, MM Conferences

WOJCIECH KOWALCZYKUndersecretary, of State, Ministry of Finance

STANISŁAW KLUZAWarsaw School of Economics, Chairman of Polish Financial SupervisoryAuthority 2006 – 2011

MAŁGORZATA KOŁAKOWSKAPresident of the Management Board, ING Bank Śląski

JAKUB KIWIORDirector for Business Development and Marceting CEE, Visa Europe

MARIUSZ KLIMCZAKPresident of the Management Board, Bank for Environmental Protection

DARIUSZ KACPRZYKPresident of the Management Board, Bank Gospodarstwa Krajowego

ANDRZEJ JAKUBIAKChairman, Polish Financial Supervisory Authority

RAFAŁ JUSZCZAKPresident of the Management Board, Getin Holding

KRZYSZTOF PIETRASZKIEWICZPresident, The Polish Bank Association

SŁAWOMIR S. SIKORAPresident of the Management Board, Bank Citi Handlowy

RYSZARD PETRUChairman, Polish Economists Association

MATEUSZ MORAWIECKIPresident of the Management Board, Bank Zachodni WBK

LESZEK NIEMYCKIVicepresident of the Management Board, Deutsche Bank Polska

MACIEJ WITUCKIChairman of the Supervisory Board, Orange Polska

MAŁGORZATA ZALESKAPresident of the Management Board, National Bank of Poland

JÓZEF WANCERPresident of the Management Board, Bank Gospodarki Żywnościowej

MICHAŁ SKOWRONEKDirector General for Poland and Balkans, MasterCard Europe

WOJCIECH SOBIERAJPresident of the Management Board, Alior Bank

PIOTR ZESIUKPresident of the Management Board, MM Conferences

SŁAWOMIR ŻYGOWSKIPresident of the Management Board, Nordea Bank Polska


22-23 October 2014, Hotel Westin, Warsaw4th Edition of the Forum

4th Insurance Forum is a prestigious meeting of insurance leaders. Following the success of previous editions, the forum has become a fixed point in the calendar of events for key stakeholders from the industry. It provides an excellent opportunity for further debate on major issues, problems, opportunities and challenges which the insurance industry faces. The content of the forum is not limited to the discussion on the directions of development of the insurance industry or changes in regulations, but it also stresses strictly business issues, such as effective customers reach and the use of modern technology.

Profile of participants is another determinant of debates on striking topics related to the sector: the event is attended by key representatives of major companies operating in theindustry, regulators, government and service providers. With the simultaneous realization of events with the Warsaw International Banking Summit it is possible to achieve synergies by combining the participants of both events. It also gathers key representatives of the insurance and banking industries in one place and time in order to discuss and search for optimal solutions for the following years.

ABOUT THE CONFERENCE


22-23 October 2014, Hotel Westin, Warsaw4th Edition of the Forum

ADAM USZPOLEWICZ President of the Management Board, Aviva

MARCIN PAWLAK President of the Supervisory Board ATTIS Group / Secretary of the Advisory Board

JACEK PODOBA President of the Management Board, TU Europa

RYSZARD GRZELAK President of the Management Board, Europ Assistance Polska

ALEXANDER KONOPKA President of the Management Board, Gras Savoye Polska

ALEKSANDRA WIDZIEWICZ President of the Management Board, Pocztowe Mutual Insurance

PAWEŁ BISEK President of the Management Board, Benefia

DARIUSZ PONIEWIERKA President of the Management Board, KUKE

RAFAŁ HISZPAŃSKI President of the Management Board, Euler Hermes

SŁAWOMIR ŁOPALEWSKI, President of the Management Board, PKO Ubezpieczenia

EWA WIERZBICKA Arbitrator, Arbitration Court at Polish insurance Ombudsman

NICHOLAS CIESLEWICZ Managing Partner, SCBP Cieślewicz-Bartecki Partnership

BOGUSŁAW SKUZA Member 2011-2013 of the Management Board, PZU

ANDRZEJ JARCZYK President of the Management Board, Uniqa

MAŁGORZATA MALISZEWSKA President, Arbitration Court at Polish Insurance Ombudsman

MEMBERS OF INSURANCE FORUM ADVISORY BOARD

MACIEJ SZWARC President of the Management Board, AXA Polska

JAN BOGUTYN Honorary Chairman of the Advisory Board

PIOTR NARLOCH President of the Management Board, Interrisk

FRANZ FUCHS President of the Supervisory Board, Vienna Insurange Group in Poland

STANISŁAW KLUZA Warsaw School of Economics, Chairman of Polish Financial SupervisoryAuthority 2006 – 2011

PAWEŁ ZIEMBA President of the Management Board, Skandia

PAWEŁ SZCZEPANKOWSKI Managing DIrector, Atradius Polska

ARTUR OLECH Chairman of the Advisory Board / President of the Managementt Board, Pocztowe Życie

TOMASZ MISIAK President of the Supervisory Board, MM Conferences

ZBIGNIEW DERDZIUK President, Social Insurance Institution

WITOLD JAWORSKI President of the Management Board, Allianz Polska




Meeting of Leaders

Meeting of Leaders

Meeting of Leaders

Leaders meeting joint session

Banking Forum Insurance Forum


ROOM BROOM A

L AGENDA OF MEETING OF LEADERS - I DAY, 22 OCTOBER 2014 R.

9:00 Registration, morning coffee

9:30 Opening ceremony: Polish Financial Supervision Authority recommendations in the light of EU legislationAndrzej Jakubiak, Chairman, Polish Financial Supervision Authority

9:45 Discussion panel: Cohesion of regulatory systems of financial institutions with economic policy directions of UE countries y Economic policy priorities of Eurozone countries 2014 – 2020 y Economic policy priorities of Poland 2014 -2030. Expectations towards financial sector y Regulatory system priorities 2012 – 2025

Moderator: Kazimierz Krupa, Partner, Drawbridge Olczak And PartnersKrzysztof Pietraszkiewicz, President, The Polish Bank AssociationAndrzej Raczko, Member of the Board, Narodowy Bank PolskiIsabelle Vaillant, Director Regulations, European Banking AuthorityMikołaj Dowgielewicz, Vice-Governor, Council of Europe Development BankAndrzej Jakubiak, Chairman, Polish Financial Supervision AuthorityRyszard Petru, President, Association of Polish Economists

11:15 Coffee break

14:15 Discussion panel: Evolution of financial institutions role in contemporary economics y Regulatory changes in the field of financial institutions y Owners, clients and the regulators of financial institutions interests – how to reconcile them? y Role of public/traditional financial institutions in financing economic development y Shadow banking – complementarity or competition for financial institutions?

Moderator: Dariusz Kacprzyk, President of the Management Board, Bank Gospodarstwa KrajowegoSławomir Lachowski, President of the Management Board, FM Bank PBPWojciech Kwaśniak, Vice Chairman, Polish Financial Supervision AuthorityAdam Jasser, President of the Office of Competition and Consumer ProtectionBożena Graczyk, Chartered Accountant, Partner and Head of Accounting Advisory Services and Financial Risk Management, KPMG in Poland

15:30 Discussion panel: Bail-in system (Banking Union) – who is going to pay? y Bail-out vs. bail-in – which approach is more effective? y Bank Recovery and Reconstruction Directive – directive draft y Resolution mechanism – legal aspects of its exclusion from judicial system y Draft amendment to the Banking Law Act

Moderator: Dariusz Daniluk, Member of the Board, Bank for Environmental ProtectionLudwik Kotecki, Main Economist, Ministry of FinanceProf. Małgorzata Iwanicz-Drozdowska, Warsaw School of EconomicsProf. Piotr Zapadka, Cardinal Stefan Wyszyński University in WarsawMałgorzata Zaleska, Member of the Board, National Bank of PolandMieczysław Groszek, Vicepresident, The Polish Bank Association

16.45 End of the 1st day of the Conference

14:15 Discussion panel: Big Data in practice – is it functioning in insurance and banking? Is it reality or still just a dream? y Change of perception towards data protection/privacy within different generations y Needs and expectations of the modern consumer in the context of understanding of

his needs and effectively reaching out to him with an offer y Where the bigger value is: information exchange or ensuring privacy y Wow Big Data is used today, how it will be used in a few years time? y Synergy resulting from the use of Big Data between insurers and banks i.e. use of

data from different sources (anti-fraud activities, etc.).Moderator: Artur Olech, Chairman of the Advisory BoardPaweł Bisek, President of the Management Board, BenefiaJarosław Mastalerz, Member of the Board, mBankLeszek Wroński, Partner, Head of Advisory services in KPMG in Poland and Central and Eastern EuropeTomasz Czechowicz, Chief Investment Officer, MCI ManagementMarcin Kluczyński, Advisor of the Board, Social Insurance Institution

15:15 Introduction speech to the panel: Importance of access to credit data for security of insurance transactions

Sławomir Grzelczak, Vicepresident of the Board, Credit Information Bureau

15:30 Introduction speech to the panel: The implementation of multi-channel sales platform, integrated with systems for insurance companies. Case of the insurance company AEGON Group

Jacek Sałek, President of the Management Board, Nearshoring Solutions

15:45 Discussion panel: Insurance sales models evolution in the market and regulatory changes perspective y Sales models (exclusive, multiagent, broker, group-institutional, technology-direct)

- which ones are going to profit and which ones are going to loose and why?

y How does the distribution model influence the product’s image and whole insurance sector?

y Who’s adjusting to whom? Market to the rules or rule to the market?

Moderator: Piotr Narloch, President of the Board, InterriskHans-Christoph Moska, President of the Board, Polski Instytut FinansowyPaweł Sawicki, Director, Insurance and Pension Directions Department, Polish Financial Supervision AuthorityPaweł Borys, Directof of Analysis and Strategy Department, PKO Bank PolskiJacek Sałek,President of the Management Board, Nearshoring SolutionsJakub Nawracała, Partner, Counsellors at Law Janyga, Nawracała i WspólncyKrzysztof Dresler, President of the Management Board, ICRA

16.45 End of the 1st day of the Conference

13.15 Lunch


Leaders meeting joint session

Receivables Management Forum



ROOM C

ROOM A

L AGENDA OF MEETING OF LEADERS - I DAY, 22 OCTOBER 2014 R.


9:30 Opening ceremony: Polish Financial Supervision Authority recommendations in the light of EU legislationAndrzej Jakubiak, Chairman, Polish Financial Supervision Authority

9:45 Discussion panel: Cohesion of regulatory systems of financial institutions with economic policy directions of UE countries y Economic policy priorities of Eurozone countries 2014 – 2020 y Economic policy priorities of Poland 2014 -2030. Expectations towards financial sector y Regulatory system priorities 2012 – 2025

Moderator: Kazimierz Krupa, Partner, Drawbridge Olczak And PartnersKrzysztof Pietraszkiewicz, President, The Polish Bank AssociationAndrzej Raczko, Member of the Board, Narodowy Bank PolskiIsabelle Vaillant, Director Regulations, European Banking AuthorityMikołaj Dowgielewicz, Vice-Governor, Council of Europe Development BankAndrzej Jakubiak, Chairman, Polish Financial Supervision AuthorityRyszard Petru, President, Association of Polish Economists

11:15 Coffee break

11:45 Discussion panel: Changes in bank and insurance business models in the face of regulations, technologies, supervisory practice and changes of economic ecosystem y Influence of regulations and capital requirements (Bazylea III, Solvenncy II) on business models

and market structure (consolidation, ownership structure, domestication)

y Trends in European and domestic Consumer Law – regulations, judicial decisions, practices

y Relations between clients in the context of new technologies

y Globalisation, free movement of services – clients and resources mobility, movement of know-how

y „New” competition in banking and insurance services

Moderator: Michał Kobosko, Editor-in-Chief, Project Syndicate PolskaArtur Olech, Chairman of the Insurance Forum Advisory BoardKrzysztof Kalicki, President of the Management Board, Deutsche Bank PolskaPiotr Czarnecki, President of the Management Board, Raiffeisen PolbankWitold Jaworski, President of the Management Board, Allianz PolskaMariusz Klimczak, President of the Management Board, Bank for Environmental ProtectionWojciech Kwaśniak, Vice Chairman, Polish Financial Supervision Authority Adam Uszpolewicz, President of the Management Board, Aviva

13.15 Lunch

15:45 Discussion panel: Ministry of Finance registry project, so called “ The black list of debtors”

y Business trading security and company’s fluency security improvement as the main goal of the project: » claims in the registry: tax and customs, Social Insurance Office’s, selfgovernment’s, » right to privacy risks, EIB’s image risks, » matter of debtor’s notification.

y Debt collection role and information role versus the necessary debtor’s protection level: » how does the presence in the registry influence the lending capacity? How does that

affect he microcompanies? y It was supposed to be easier, is it going to be more difficult? Pros and cons of the separate y registry and funding it with public money. y Unsuccesful execution registry – which executions (all, or just the business) should it cover

and what will be the result of it?Moderator: Michał Jaros, Member of Parliement Janusz Cichoń, Secretary of State, Ministry of FinanceAdam Łącki, President of the Management Board, Krajowy Rejestr DługówMarcin Ledworowski, Vicepresident of the Management Board, BIG InfoMonitor

16:30 Discussion panel: Modern debt collection role in the business trade y EIB and vindication companies cooperation – what’s achieved, what is to improve?

» Extending cooperation fields with tax arrears and registry data. y Legislative changes in duty of the market:

» Electronic Admonishing Procedure changes in The Code of Civil Procedure, » Civil Code changes – article no. 509 according debt sell restraints.

y Modern debt collection profits: » cash flow improvement in business sector, » payment holdups and bankrupcy counteractions, insolvencies, » delivering information on financial threats, contractor validation, » trainings on problems with debt collection.

Moderator: Norbert Wojnarowski, President of the Advisory Board; Member of Parliement Mariusz Hildebrand, Vicepresident of the Management Board, BIG InfoMonitorJakub Kostecki, Vicepresident of the Management Board, Krajowy Rejestr DługówPiotr Badowski, President of the Management Board, Polski Związek WindykacjiIreneusz Ernst Glensczyk, President of the Management Board, Indos

17.15 End of the Conference

14:15 Discussion Panel: Economic Information Bureaus (EIB) – law changes, operation model changes

y Amendment of Law on publishing economic information – application project as an information obtaining improvement.

y EIB’s information extension with regulatory obligations and The Ministry of Finance’s y Central Debtor Registry:

» methods and level of corelation with other regulations and solutions (Ministry of Justice’s project, Ministry of Finance’s project),

» creating new registries versus extending existing ones – what’s more effective. y Putting personal data into registries:

» is it necessary to add another rules of putting data into registries and updating it by litigans? Whom and how willl profit on this process, what the losses may be?

» information distribution system – what is the most effective solution on regulatory obligations informaton publishing, also towards planned regulations (simmilar treatment of rules for particular entities categories protection).

y New tools in debt collection process and their possibilities (possibility to ask EIB for a demand note).

y How to balance debtors’ protection rights with legaly protected debtees’ rights: » claim introduction (ways to protect debtor from unjust EIB registry record), » how to balance EIB information duties with debt collection activities (how to provide

financing entities with debtor’s credit history and simultaneously keep the disciplinary role of the registry).

Moderator: Norbert Wojnarowski, President of the Advisory Board; Member of ParliementMariusz Haładyj, Undersecreteary of State, Ministry of EconomyAdam Łącki, President of the Management Board, Krajowy Rejestr DługówSławomir Grzelczak, President of the Management Board, BIG InfoMonitorEdyta Szymczak, President of the Management Board, Rejestr Dłużników ERIF

15:00 Discussion panel: Court enforcement officer’s regulations y Debt execution (singular execution) vs. bankrupcy. y Administration of justice computerization influence on improvement of debt

collection process: » electronic pictures of bank statements and e-EIB as a cooperation improvement

between court enforcement officers and banks, » electronic real estate auctions.

y Problems, opportunities and threads following the amendement of the Code of Civil Procedure: » court enforcement officer’s actions improvement proposals, » extending court enformcement officer’s competneces during the real esate debt

collection, » court execution financing – problems with execution payments, » law changes versus bailiffs’ offices activities, » courts enforcement officer’s access to information on debtor’s properties (and costs of

the procedure), to information on debtor’s claims versus cash flow increase.Moderator: Stefan Paweł Gintowt, Chairman of Bailiff Council Chamber in WarsawRafał Fronczek, President of the National Bailiff CouncilRafał Reiwer, Vicedirector, Court, Organization and Analytics Department, Ministry of JusticeMichał Kwieciński, Partner, Adwokat, Rączkowski, Kwieciński Adwokaci



Meeting of Leaders

Meeting of Leaders

Meeting of Leaders

Banking Forum

LEADERS MEETING PROGRAM - II DAY, 23 OCTOBER 2014 R.

Insurance Forum



9:15 Discussion panel: How will the bancassurance market look like in a few years? y Recommendation U - evolution or revolution? Response of the market y Banking - insurance alliances – whether they create new markets and additional sales

or consume the present one? y Communications and Marketing in bancassurance vs. awareness of insurance

customers

Moderator: Ryszard Grzelak, President of the Management Board, Europe Assistance PolskaPaweł Zylm, President of the Management Board, BRE InsuranceMaciej Samcik, Journalist, Gazeta WyborczaPiotr Czublun, Counselor at Law, CZUBLUN TRĘBICKI Law Office Professional PartnershipKrzysztof Charchuła, President of the Board, BZ WBK Aviva, Chairman of Bancassurance Working Group in Polish Association BankNorbert Jeziolowicz, Director, The Polish Bank Association

10:30 Discussion panel: The development of insurance saving – investment products. Can we afford to save? y The present and the future of additional pension plans y Pension disbursement lifetime guarantee y Investment products – are they still insurance? y Warsaw Stock Exchange after the changes in Open Pension Funds

Moderator: Roman Młodkowski, Independent consultant, manager, economic journalistZbigniew Derdziuk, President of the Management Board, Social Insurance InstitutionPaweł Pytel, President of the Management Board, Aviva PTEAndrzej Sołdek,President of the Management Board, PTE PZUEwa Wierzbicka, Assistant Professor, Warsaw School of EconomicsStefan Kawalec, Presidenet of the Management Board, Capital StrategyMirosław Szczepański, Vicepresident of the Board, Warsaw Stock Exchange

11:45 Coffee break

12:15 Discussion panel: Reputational risk of the financial industry in the context of creating value for the customer y Insurance client 2.0 y Reputation of the insurer in the context of its cooperation with banks y The market from the perspectives of the intermediary vs. the customer value y Consumer regulations, law and practice - opportunity to improve the quality of the

market or jeopardize its functioning?

Moderator: Sławomir Łopalewski, President of the Management Board, PKO UbezpieczeniaTjeerd Bosklopper, President of the Management Board, ING TUnŻAbhishek Bhatia, CEO, Prudential PolskaStanisław Kluza, Chairman (2006-2011), Polish Financial Supervision AuthorityMarcin Broda, Editior in chief, Miesięcznik UbezpieczeniowyDr. Remigiusz Stanek, Managing Partner, Stanek LegalPiotr Kondratowicz, Manager, Management Consulting, KPMG in Poland

13:30 Discussion panel: Changing business models of financial institutions in the mass customer segment – will insurers and banks survive? y Changing business models in contexts of economic ecosystem and change y Convergence and conversion time - how creation value industry can react to

changes in customer behavior y Insurers and other industries - cooperation or perhaps new competition? y Alliances of insurance companies with other industries (eg banks, telecomms) y Open architecture, complementarity and competitiveness of products managemen

Moderator: Adam Uszpolewicz, President of the Management Board, AvivaAndrzej Jarczyk, President of the Management Board, UniqaPiotr Romanowski, Partner, Business Consulting, PwC in PolandMichał Laskowski, President of the Board, Rankomat.plBartosz Dobrzyński, CMO, P4

14:45 Lunch

15:45 End of the 2nd day of the Conference

Konferencja będzie tłumaczona w językach: ang-pl, pl-ang

ROOM BROOM A8:30 Registration, morning coffee

9.00 Introductory speech: Banking Location Analytics, a modern solution in order to decide how to be present the micromarkets taking into account the behavior and preferences and spatial information

Piotr Siciak, Director, Management Consulting, KPMG in Poland

9:15 Discussion panel: Bank client characteristics vol. 2: y Client vol. 2.0 – increasing niche or the most valuable group of clients for banks?

» increased commitment in daily contacts with bank’s brand and user experience » commoditization, erosion or compatibility proposition in terms of values according to

habits, needs and clients’ expectations y Upholding loyalty of client vol. 2 in the situation of entering new markets and ease

access to various applications and financial solutions y Is mobile phone/tablet enough for everyday contact of Client vol. 2 with bank? y How to establish creditworthiness and make commercial offer interesting at a time of

strong dependency of clients on opinions from social media? y Customer service vol. 2.0 – how much Clients’ expectations are included during

channels and tools creation? What channels and tools are the most adequate for requests for quotes/complaints/another services/products orders?

y Client vol. 2 vs. Complaints in social media – how to react/mitigate challenges/prevent critical remarks affecting perception of other people?

Moderator: Piotr Czarnecki, President of the Management Board, Raiffeisen Polbank Yann Gontard, CEO, Sodexo Central EuropeBartosz Dobrzyński, CMO, P4Michał Panowicz, Director for Marketing and Retail Business Development, mBankJanusz Moroz, Vice President of the Management Board, RWE PolskaRafał Juszczak, President of the Management Board, Getin HoldingPiotr Siciak, Director, Management Consulting, KPMG in Poland

10:30 Discussion panel: One step further – cooperation of banks with other sectors y Not only telecomms – further directions of sector convergence y Example of Amazon and Apple – how e-commerce platforms can enter financial

services market and threaten banks y Conditions for new solutions development in Poland – is there a place for such

acquisitions, does it distort competitiveness?Moderator: Maciej Witucki, Chairman of the Supervisory Board, Orange PolskaMiroslav Rakowski, President of the Management Board, T-Mobile PolskaAdam Malicki, President of the Management Board, Polski Standard PłatnościJan Emeryk Rościszewski, President of the Management Board, Cardif PolskaAleksander Naganowski, Head of Business Development for Poland , MasterCard EuropeJerzy Karney, Board Advisor, Grass Savoye Polska

11:45 Coffee break12:15 Introductory speech: Digital client preferences on the basis

of our market researchJerzy Kalinowski, Partner, Head of Advisory Group in the area of strategy and operations in KPMG in Poland and Central-Eastern Europe

12:30 Discussion panel: Cash, card and mobile payments - changes y How technologies change and influence methods of payments for individual clients? y Law changes – how do they affects the payment services market? y Payment cards – another victims of mobile phones? y Who is going to toss the cards on the market of payment services in Poland and worldwide

Moderator: Zbigniew Jagiełło, President of the Management Board, PKO Bank Polski Cezary Kocik, Member of the Board, mBankAdam Malicki, President of the Management Board, Polski Standard PłatnościJakub Kiwior, Director General for, Poland and Hungary, Visa EuropeBartosz Ciołkowski, Country Manager Poland, MasterCard EuropePiotr Piłat, Financial Market Development Department Director, Ministry of Financedr Krzysztof Korus, Partner, dLK Korus Okoń Radcowie Prawni

13:45 Discussion panel: Is saving money worth it? y How Polish citizens save in comparison to citizens from other countries? y Does our government care about saving? How does it support us in saving? y How forms of saving change? y Dissapearance of Open Pension Funds – chance for the third pillar?

Moderator: Zbigniew Jagiełło, President of the Management Board, PKO Bank Polski Leszek Niemycki, Vice President of the Board, Deutsche Bank PolskaZbigniew Derdziuk, President of the Management Board, Social Insurance InstitutionKatarzyna Zajdel-Kurowska, Member of the Board, National Bank of PolandGrzegorz Chłopek, President of the Management Board, ING PTEEwa Małyszko, President of the Board, PKO BP Bankowy PTEPiotr Czarnecki, President of the Management Board, Raiffeisen Polbank

14:45 Lunch

15:45 End of 2nd day of the Conference


LEADERS MEETING PROGRAM - II DAY, 23 OCTOBER 2014 R.

Debt Collections


ROOM C

11:45 Coffee break

12:15 Court enforcement officer and debtee cooperation in the proces of real estate debt execution

y Real estate debt collection as a growing in popularity tool among debtees. y Effective Court enforcement officer and debtee cooperation in the proces of real

estate debt execution. y Most common reasons for complaints in the process of real estate debt

execution.

Marta Królikowska, Court enforcement officer of Warsaw-Mokotow Regional Court

13:00 Real estate valuation for the purpose of execution proceedings – case study

y Cooperation with court enforcement officer in the process of property selling. y Real estate validation barieers for the purpose of execution proceedings. y Costs of real estate validation and description processes.

Elżbieta Czuczman, Certified property valuer, co-founder of Polish Society of Certified Property Valuers

13:30 Real estate takeover as an alternative solution for satisfying debtees claims

y Economic reasons for taking over the real estate y Real estate management costs y Real estate take over, what’s next?

Łukasz Grzegrzółka, Manager of mortgage legal execution and real estate takeover team , Bank BPH SA

14:15 Discussion panel: Foreclosure mortgage “The devil is not so black…”

Moderator: Michał Kwieciński, Managing Partner, Rączkowski, Kwieciński Adwokaci Monika Biała - Wrocław-Krzyków Regional Court Judge Marta Królikowska - Court enforcement officer of Warsaw-Mokotow Regional Court Elżbieta Czuczman - Certified property valuer, co-founder of Polish Society of Certified Property Valuers Łukasz Grzegrzółka, Manager of mortgage legal execution and real estate takeover team , Bank BPH SA

14:45 Lunch

15:45 Closing


9:15 Rules of successor’s responsibility for debtor’s liabilities y Debtor’s demise versus validity of his credit contracts . y Ways to accept the inheritance. y Liability for inheritance debts. y Proceeding and decision on determination of inheritance acquisition and its

consequences for the creditor. y Prevention of the results of rejection of inheritance made with harm of debtee. y Threat of lapsed claims.

Mariusz Jabłoński, Warsaw District Court Judge, Praga, Warsaw

9:45 Notary role in inheitance cuases y Inheritance certificate. y Activities and operation of inheritance certificates registry. y Vindication notary note versus casual notary note.

Marcin Łaski, Notary, Founder, Partner: Paweł Cupriak, Marcin Łaski i Partnerzy, Notariusze Spółka Partnerska

10:05 Best bank’s practices with successor’s debt collection y Bank secret versus Debtor’s demise. y Amicable vindication: searching for information on successors. y Finding the successors and the fact of inheritance proceedings. y Bank enforcement title towards debtor’s successors.

Andrzej Rychter, Senior Compliance Officer, Bank BPH SA

10:35 Discussion Panel: Effectiveness of redress from debtor’s heirs

Moderator: Marek Rechciński, Operational Director, Corporate Client Impaired Loans Department, Pekao SA Bank Mariusz Jabłoński – District Judge of Warszawa Praga in Warsaw Marcin Łaski - Notary, Founder, Partner: Paweł Cupriak, Marcin Łaski i Partnerzy, Notariusze Spółka PartnerskaAndrzej Rychter - Senior Compliance Officer - Bank BPH S.A.

11:05 Practical aspects of debt collection incuding the latest regulations and legal frames

y Effectiveness of real estate debt execution changes made after 3rd of May 2012. y Adjudging property ownership – practical disputes. y Land register proceeding amendment.

Michał Kwieciński, Managing Partner, Rączkowski, Kwieciński AdwokaciMonika Biała, Wrocław-Krzyków Regional Court Judge


THE ADVISORY BOARD

Receivables Management Forum is a prestigeious place for key representatives from debt collection branch to meet and discuss most important topics, key trends and incoming changes in the sector. It is one of kind event, where all of the branch stakeholders will be present and it is organised by independent and specialised partner. Forum gives you the opportunity for direct and open dialogue as well as opinion exchange with the most important market participants and public administration on the key branch issues inclu-ding development directions, implemented and planned legal changes, common activiteis, that may by undertaken to improve the branch image.

The Advisory Board under the leadership of Mr Norbert Wojnarowski, Member of the Polish Parliament is deciding on the concept of the Forum and the topics that will be discussed during the event. The members of the Council re-present public administration, economic information bure-au, debt collection companies and this kind of membership guarantees full representation of stakeholders focused on liabilities management and covers the most actual informa-tion, which will be presented durinig the event.

ABOUT THE FORUM

NORBERT WOJNAROWSKIChairman of the Advisory Board, Member of Polish Parliament

MARIUSZ HILDEBRANDVicepresident of the Board, BIG InfoMonitor

ADAM ŁĄCKIPresident of the Management Board, KRD Economic Information Bureau

SŁAWOMIR SZAREKCo-founder and Chairman of the Board, Casus Finance

DARIUSZ CZYŻChairman of the Board, Votum

PIOTR BADOWSKIPresident, Polish Association of Debt Collectors

MACIEJ KACZMARSKIFounder, Kaczmarski Inkasso

ANNA PACZUSKAPresident of the Board, EOS KSI Polska

EDYTA SZYMCZAKPresident of the Board, ERIF Register of Debtors BIG S.A.

RAFAŁ FRONCZEKPresident, National Council of Judicial Officers of Poland

JACEK BAJERSKIOperations and Development Director, ERIF Register of Debtors BIG S.A.

KRZYSZTOF KAWALECPresident of the Management Board, Magellan S.A.

MICHAŁ RĄCZKOWSKIManaging Partner, Rączkowski, Kwieciński Adwokaci


IRENEUSZ GLENSCZYKPresident of the Board, Indos

RADOSŁAW CIECIÓRSKIMember of the Board, Polish Association of Debt Collectors

MICHAŁ KWIECIŃSKIManaging Partner, Rączkowski, Kwieciński Adwokaci

KINGA ROGOWSKAMember of the Board, Forum Debitum

RAFAŁ HERMAŃSKIMember of the Board, Polish Association of Debt Collectors


1st Edition

22nd October 2014

SŁAWOMIRGRZELCZAKPresident of the Management Board, BIG InfoMonitor


EVENT PARTNER:

This year’s Modern Debt Collection Panel will cover two main topics:

1. Real estate debt execution2. Pursuing claims against debtor’s successors

Real estate debt execution is cosidered by debtees as one of the most complex and complicated processes if it comes to enforcement of payments. Altough it is an expensive and long process it is becoming more and more popular. This year’s Modern Debt Collection Edition is focused on practical aspects of real estate debt execution from the moment of pleading the cause to precourt vindication, up to taking over the property after the unsuccessful auction and next selling the property in the free market. During the Panel there will be presented examples, which may extend, with present trends and solutions, the information and knowledge of people operating in debt collection environment. In the next step we will present the subject of pursuing claims against debtor’s successors. This process, as the experience shows, may be very effective if it is conducted in the right way. Our goal is to present the activities that must be undertaken by the debtee to efectively enforce the payment from the debtor’s successors.


» claims

» debt collection

» legal

» and others

SECTORS:

9 VINDICATION 9 ECONOMIC INFORMATION BUREAUS 9 LEGAL OFFICES 9 BANKING 9 INSURANCE 9 ADMINISTRATION

And retail companies reprentatives: 9 FINANCE

9 TELECOMUNICATIONS

9 MEDIA

9 ENERGY COMPANIES

9 AND OTHERS

POSITIONS:

9 OWNERSHIP

9 MANAGEMENT

9 DIRECTORS

9 REPRESENTATIVES OF FOLLOWING DEPARTMENTS:

PROFILE OF PARTICIPANTS OF PREVIOUS EDITIONS

2nd Edition

Debt collectionsIN THE ERA OF BANKING SECTOR DIGITALIZATION

23rd October 2014

Banking Forum

Wielka Gala Złotych i Kryształowych Anten Świata

Telekomunikacji i MediówWarszawa, Hotel Westin

Grand Gala of Banking and Insurance LeadersWestin Warsaw Hotel

Grand Gala of Golden and Crystal Antennas of Telecomminucations and Media WorldWestin Warsaw Hotel

TELECOMMUNICATIONS

ANDMEDIA WORLD

Grand Gala Big DataWestin Warsaw Hotel

Grand Gala HR Experts

Konferencja Energetyczna EuroPOWER

Grand Gala of Energy LeadersWestin Warsaw Hotel

C O N G R E S SRETAIL

2014

MARCH 2015

APRIL 2015

25 – 26 February

25 February (GALA)

11 - 12 February

25 March

25 March

1 – 2 April

1 – 2 April

1 April (GALA)

1 April (GALA)

1 April (GALA)

8 – 9 April

15 – 16 April

15 April (GALA)

22 – 23 April

May

2 April

Conferences 2015 - timeline

MAY 2015

FEBRUARY 2015

www.mmcpolska.pl

Konferencja Energetyczna EuroPOWER

C O N G R E S SRETAIL

2014

MEDIA SUMMIT WIMS 2014

WARSAWINTERNATIONAL

VII edycja kongresu


Conferences 2015 - timeline

September

September

September

September

September

October

October

October

October

OCTOBER 2015

November

November

November

NOVEMBER 2015

SEPTEMBER 2015

www.mmcpolska.pl

Debt collections

STRATEGIC PARTNERS

STRATEGIC PARTNERS

FinanceCareW O R K S E R V I C E G R O U P

FinanceCareW O R K S E R V I C E G R O U P

PARTNERS SPONSOR

HONORARY PATRONAGE

1 9 3 4 – 2 0 1 4

MEDIA PATRONAGE

ORGANIZERMERIT PARTNER PARTNER OFLEGAL & COMPLIANCE TRANSLATION PARTNER

ORGANIZERMERIT PARTNER TRANSLATION PARTNER

PARTNERS

MODERN DEBT COLLECTIONSSTRATEGIC PARTNERRECEIVABLES MANAGEMENT FORUM STRATEGIC PARTNERS RECEIVABLES MANAGEMENT FORUM PARTNERS

STANEK KancelariaPrawnicza

L E G A L

BANKING FORUM

INSURANCE FORUM

RECEIVABLES MANAGEMENT FORUM / MODENR DEBT COLLECTIONS

< Return to Table of Contents Visa Brand Guide v.1.1 12

Visa Brand Mark

We’ve optimized our Brand Mark

to reinforce its iconic details and

modernize its usage.

The letter forms have been

simplified to improve legibility

in increasingly crowded and

tiny digital spaces.

A subtle gradient was added

in the primary version of the

Brand Mark to emphasize Visa’s

forward trajectory and energy.

Brand Equities

Brand Mark

viii wibs materiały a4 eng v6

Documents

discussion panel

insurance forum14

insurance companies

insurance business model

banking forum14

room b room croom

hotel westin

regulatory changes perspective