24.10.2011r./Monday/, THE WESTIN WARSAW HOTEL



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Day 1 24.10.2011r./Monday/, THE WESTIN WARSAW HOTEL RECEPTION (COFFEE WELCOME) 9.00-10.00 INAUGURATION OF 11TH BUSINESS FORUM BY ORGANIZERS: 10.00-10.20 Krzysztof Pietraszkiewicz, President of Polish Bank Association, Member of the European Banking Federation Council and Bożena Lublińska-Kasprzak, President of Polish Agency for Enterprise Development, Member of Board of the Association for Technology Implementation in Europe (TAFTIE) PRESENTATIONS 10.20-11.00 10.20 Letter of President of the Republic of Poland Bronisław Komorowski Olgierd Dziekoński, Secretary of State in the Chancellery of the President of the Republic of Poland 10.30 Grażyna Henclewska, Undersecretary of State, 10.45 Per-Ove Engelbrecht Head of Financing Innovation & SMEs, DG Enterprise and Industry, European Commission PRESIDENTIAL DEBATE: ANY CHANCE FOR BREAKTHROUGH IN FINANCING SMES IN EUROPE IN 2012-2020 11.00-12.20 Moderator: Krzysztof Pietraszkiewicz, President of Polish Bank Association, Member of the European Banking Federation Council Olgierd Dziekoński, Secretary of State in the Chancellery of the President of the Republic of Poland, Grażyna Henclewska, Undersecretary of State,, Bożena Lublińska-Kasprzak, President of Polish Agency for Enterprise Development, Member of Board of the Association for Technology Implementation in Europe (TAFTIE), Jerzy Bartnik, President of the Polish Craft Association, Vice-President of European Association of Craft, Small and Medium-Sized Enterprises (UEAPME), Tadeusz Donocik, Vice- President of Polish Chamber of Commerce, Eurochambres, Per-Ove Engelbrecht Head of Financing Innovation & SMEs, DG Enterprise and Industry, European Commission, Sébastien de Brouwer, Executive Director in the European Banking Federation. Break 12.20-12.35 BLOCK III. PROSPECTS FOR ENTREPRENEURS AFTER 2011 12.35-14.00 Moderator: Bożena Lublińska-Kasprzak, President of Polish Agency for Enterprise Development 12.35 The prospects for changes in enterprises' access to financing in Poland against the background of the region prof. Małgorzata Zaleska, Member of the Management Board of the National Bank of Poland 12.55 Economic development forecasts in Europe in 2012 Mirosław Błażej, Director of Department of Macroeconomic and Financial Studies, Central Statistical Office 13.10 New EU financial perspective 2014-2020. What can European SMEs expect from it? Marcin Łata, Director of Managing Department for Competitiveness and Innovation Programmes, Ministry of Regional Development 13.30 Polish small entrepreneur on the background of Europe and the world. Status and prospects - Jerzy Samborski, Member of the Presidium of SME Union, President of the European Union of Small and Medium Enterprises and Middle Class UNICORN 13.45 Discussion Break (regenerative-sandwiches, snacks, drinks) 14.00-14.25 BLOCK IV. PARALLEL PANELS: FINANCING MICRO, SMALL AND MEDIUM-SIZED ENTREPRENEURS 14.25-16.25 SESSION A SESSION B SESSION C SESSION D Management of external financing in SMEs Moderator: Aneta Wilmańska, Deputy President of PAED SMEs' access to external financing, including financing of innovative companies and startups Moderator: dr Mieczysław Groszek, Vice-President of PBA, Member of Executive Committee in European Banking Federation Risk management in European SMEs business Moderator: dr Krzysztof Markowski, President Credit Information Bureau, Association of Consumer Credit Information Suppliers (ACCIS) SME Bankers Roundtable Moderator: Grażyna Henclewska, Undersecretary of State in the

Entrepreneurs and external sources of funding expertise, supply and demand. Challanges. - Aneta Wilmańska, Deputy President of Polish Agency for Enterprise Development 1. Information and financial education in the business development of SMEs - Stefanie Lämmermann, Programme and Research Manager, European Microfinance Network 2. Advisory services in obtaining a loan. Proposals of PAED - Mariola Misztak - Kowalska, Director, Department for Business Environment Institutions Development, Polish Agency for Enterprise Development 3. Financial instruments for SMEs JEREMIE- Jarosław Kała, Director, Department of Financial Engineering Instruments, Bank Gospodarstwa Krajowego 4. The offer of loan and guarantee funds in Poland as a response to the financial gap - Representatives of the loan and guarantee funds dr Tomasz Bąkowski, President, National Association of Guarantee Fund 5. How to effectively assist SMEs in credit process? - Piotr Marciniak, President Tax Care 6. Factoring for SMEs - Mirosław Jakowiecki, President of the Executive Committee of Polish Factors Association Discussion with audience, including leading speaker - Jerzy Bujok, Deputy Secretary General of the National Chamber of Commerce SMEs' access to financing in the EU - Markus Becker-Melching, Chairman, SME Working Group, European Banking Federation 1. Examples of bank offers for SMEs, commercial banks and specialized ones, including banks for start-ups,, Dariusz Chrastina, Managing Director of the Department of Business Customer, Bank Pekao SA, Piotr Górski, Vice-President, FM Bank 2. Cooperative Banks for micro and small enterprises Danuta Kowalczyk, Vice-President, Bank Spółdzielcza Grupa Bankowa SA (Cooperative Banking Group Joint Stock Company) 3. Technological credit for small entrepreneurs in practice Marzena Tymińska-Ładziak, Head of Technological Credit Implementation, Bank 4. Leasing for start ups Radosław Woźniak, Vicepresident of European Leasing Fund, Polish Leasing Association 5. Active venture capital funds Piotr Gębala, President, National Capital Fund 6. Financing innovative companies through the Warsaw Stock Exchange SA Emil Stępień, Deputy Director of Market Development Division, Warsaw Stock Exchange SA 7. Building bridges - good practices between Banks & Entrepreneurs in Europe, on the UK example Irene Graham, Managing Director, British Bankres Association Discussion with audience, including leading speaker Wojciech Jabłoński - Vice President of the Employers' Union of Warsaw and Mazovia(ZPWiM), PKPP Lewiatan The risk in the turbulent era of economic activity - dr Krzysztof Markowski, President Credit Information Bureau 1. Changes in guarantees for SME - today and tomorrow Robert Koziński, Director, Guarantee and Warranty Center, Bank 2. Verification of contractors and customers in business - Mariusz Hildebrand, President of the Biuro Informacji Gospodarczej InfoMonitor S.A. (BIG InfoMonitor) 3. Risk management in export activities of firms Zygmunt Kostkiewicz, President of the Board, Export Credit Insurance Corporation Joint Stock Company (KUKE S.A.) 4. Managing risk in business with SMEs in Europe- Nils Schneekloth, SCHUFA Holding AG (Germany) 5. Risk management in SME business the problem or missed opportunity - dr Andrzej Malinowski, President, Employers RP speaker on behalf of entrepreneurs, Discussion with audience, including leading speaker Andrzej Malinowski, President, Employers of the Republic of Poland (Pracodawcy RP) Dialogue as a condition for development of cooperation between the SME & Bankers - Grażyna Henclewska, Undersecretary of State in the Topics: 1.Current bank offers for SMEs and business needsevaluation. 2.Barriers and prospects for changes 3.Building capacity to use external financing instruments 4.New approaches, new instruments, good practices 5. European Commission proposals for SMEs after 2013 participants: Per-Ove Engelbrecht Head of Financing Innovation & SMEs, DG Enterprise and Industry, European Commission Grazyna Henclewska, Undersecretary of State in Leszek Janowski, President of the Foundation for Small & Medium-Sized Enterprises Zbigniew Jarzyna President of the Superior Council of Associations of Trade and Services Wojciech Kowalczyk, Vice-President of Bank Teresa Kudlicka, President of the Section of Cooperative Banks in Polish Bank Association, President of Cooperative Bank in Płońsk Marcin Panek, Sales Director, Idea Bank SA Krzyszof Pietraszkiewicz President of Polish Bank Association Dariusz Szewczyk, Deputy President of Polish Agency for Enterprise Development SUMMING UP AND CLOSING THE FORUM 16.25-16.40 - Hosts - moderators of sessions - Closing the Forum by Organizers DINNER 16.40 Simultaneous Polish-English translation will be provided during the entire Conference;

Day 2 (closed meetings according to the procedures of institutions given below) 23.10.2011r, Warsaw 1. MEETING OF THE EUROPEAN BANKING FEDERATION SME WORKING GROUP: /responsible European Banking Federation/ Bankers Club 25.10.2011r, Warsaw 2. POLISH COALITION OF FINANCIAL ENVIRONMENTS FOR ABSORPTION OF EU FUNDS IN POLAND / responsible Polish Bank Association in consultation with the PSIK, KSFP, PSFP, PolBAN, ZPL / Bankers Club 3. CONVENTION OF NATIONAL NETWORK SERVICES FOR SMES MEETING OF LOAN AND GUARANTEE FUNDS / responsible Polish Agency for Enterprise Development / HOLIDAY INN HOTEL