ConferenCe

ww

w.fl

emin

g.ev

ents

12th A

nnua

l

November 8th-9th, 2017 Vienna Marriott Hotel, Vienna, Austria

SME Banking Forum

95%of participants recommend

the event

87%of participants

intend to attend again

Martin RousselEmirates Development Bank, UAEBusiness Finance Director

Mikko NieminenNordea, FinlandHead of Commercial Banking Development

Ozgur SanliGaranti Bank, TurkeySoftware Engineering Manager

Andra AltoaSEB, EsoniaHead of Strategy and Customer Insight Unit, Baltic Business Development

Tamas JosvaiOTP eBIZ Ltd. HungaryManaging Director

Lav OdorovicPenta Bank, GermanyCo-Founder and CEO

Bogna AntosiakmBank, PolandDeputy Director

Alessio MarchettiIntesa Sanpaolo, ItalyLoyalty Specialist

Ozhan OrgeQNB, QatarHead of Products and External Relations

Esteemed Speaker PanelRobert WrightRaiffeisen Bank, KosovoCEO

Valdas VitkauskasEBRD, UKSenior Banker, Head of Financial Institution

Ondrej GalikCeska sporitelna, Czech RepublicHead of Mobile Banking, Customer Engagement & Content Marketing

Vladimir VanoSberbank Europe, AustriaChief Economist

Tamas ErniLoxon Solutions, HungaryChairman

Gold Sponsor Media Partner Knowledge Partner

www.fleming.events tel.: + 421 257 272 232 email: monica.jones@fleming.events

ABn Amro • Agricultural Bank of Greece • Akbank • Alpha Bank • Hansabank • Banc

Post • Banca Comerciala romana • Banca Transilvania • Banco Santander • Bank Austria • Bank Leumi • Bank of Ireland • Bank of Valletta • Bank Pekao • Bank Zachodni

• Banque Societe Generale • Barclays • BAWAG • BCee •

BKT • BnP Paribas • Bre Bank SA • Budapest Bank • CSoB • CIB Bank

• Citi • Creditanstalt Austria • Commerzbank • Danske Bank • Deutsche Bank • Deutsche Postbank • eBrD • european Commission • european Investment Bank • european Investment fund • emporiki Bank • erste Group • eurobank efG • eximbank •

finansbank • fortis Bank • funding Circle • Garanti Bank • Ge International • Ge Money

• Helsinki oP Bank • HSBC • Hypo Alpe Adria Bank • InG • Intesa Sanpaolo • ISBAnK •

KBC • Komercijalna Banka • Lloyds Bank • Marfin Popular Bank • MasterCard • mBank • Millennium bcp •

MKB Bank ZrT • Montepio • MPS • national Bank Trust • nedbank South Africa • nordea • oeCD

• oTP Banka • oP Pohjola • Parex Bank • Piraeus Bank • Privredna Banka • Promsvyazbank • rBS •

raiffeisen Bank International • Santander • Savings House Moznosti • SeB • Slovenska

Sporitelna • Sumitomo Mitsui Banking Corporation • Swedbank • Tijara-Iraq • Tirana Bank • UBI Banca •

UBS • UkrSibbank • Unicredit Group • Visa • Volksbank International • VUB • Zagrebacka Banka

Our Past Attendees

Delegate Breakdown

16% Cxos, MoBs, VPs

57% Heads and Directors

12% Managers

6% other

32% Western europe

33% Central europe

7% northern europe

20% Southeastern europe

8% other

Job Title Breakdown International attendees

www.fleming.events tel.: + 421 257 272 232 email: monica.jones@fleming.events

DAY 18th november, 2017

8:30 Registration and Coffee

9:00 Welcome Note from Fleming Europe

9:05 Opening Remarks from the Chair Speed Networking Kick-off To boost interactivity and networking from the beginning, we will kick off the conference with a small exercise. The delegates will have five minutes to exchange as many business cards as possible.

Servicing the SME Sector Effectively

9:10 KEYNOTE ADDRESS: Reinventing the Business Banking Model

9:45 Are We Ahead of Next Recession/Crisis?•expansionary phase of the US cycle runs for

unusually long time•Central european economies enjoy across the

board strengthening of growth in 2017•IMf warns against the peak of the cycle for

emerging europe•eurozone bond market bubble is said to have

burst•How well are the Cee banking markets prepared

for the potential slowdown?Vladimir Vano, Sberbank Europe, Chief Economist

10:20 DEBATE: FINTECH Collaboration for SME•The finTech solution•Addressing the credit gap•Collaboration: a game changer in funding•Benefits for SMes

10:55 Morning Coffee & Networking

11:25 How to Build a Digital SME Banke•Choosing a partner bank•API Banking and what that really (should) mean

for finTech•A new non-lending type of business model•Adoption of fintech and How to get SMe

Customers To YouLav Odorovic, Penta Bank, Co-Founder and CEO

12:00 Innovation Finance•Identify the right partners•Understand the opportunity and environment•focus on innovation, impact and commercial

sustainability•Simplifying SMe Lending

Martin Roussel, Emirates Development BankBusiness Finance Director

12:35 Managing the Growth and NPLs of the SMEs in GCC After Oil Era•The current situation and future of SMes in GCC•Identifying the nPL problem•Designing the early warning indicators•Building the mechanism to manage the nPL

Ozhan Orge, QNB, Head of Products and External Relations

13:10 Lunch & Afternoon Break

"The event has grown enormously in quality over the years, and I believe has been a thought leadership model for SME banking across Europe and well beyond"

John Mark Williams, Head of Breakthrough, Santander, UK

www.fleming.events tel.: + 421 257 272 232 email: monica.jones@fleming.events

DAY 18th november, 2017

Removing Friction from the Customer Journey

14:20 Are the Technologies, the Environment and the Stakeholders Ready for Fundamentally New Approaches to Managing SME Risk?•Cost and speed of information processing and

transfer have reduced dramatically•Traditional SMe banking business model is

under multiple pressures•Some ways of utilising the former for

strengthening the latterValdas Vitkauskas, EBRD, Senior Banker, Head of Financial Institution

14:55 Using Artificial Intelligence in SME Lending•new approaches of SMe lending•Lead generation using a combination of data

sources•Using artificial intelligence tp improve

profitability•early warning methods using big data

Tamas Erni, Loxon SolutionsChairman

15:30 Afternoon Coffee And Networking

16:00 IN OFFERTA: Intesa Sanpaolo Digital Marketing Platform to Boost SME Merchant Sales•Bank CrM as a real asset for SMe•Affordable and easy to use Digital Marketing

solution for SMe•Bank as high profiling media to boost SMe sales•Turning Bank big data into SMe new revenuesAlessio Marchetti, Intesa Sanpaolo, Loyalty Specialist

16:35 DEBATE: Are We Really Focused on Building Relationships?•Are we focusing on the right things?•Should the old model be thrown out?•The role of rM and their responsibilities•What are the most important customer

satisfaction drivers to pay attention to?

17:10 Summary from the Event Chair

17:40 Cocktail And Networking Reception

"It was a most interesting and thought-provoking event with the opportunity to network with like-minded people with one common goal"

Neil Bramley, Senior National Business Manager, Barclays, UK

DAY 29th november, 2017

8:30 Registration and coffee

9:00 Opening remarks from the Chair

Restructuring for Growth

9:10 Unleashing Innovation for the Small Business•Innovation in the consumer space•Innovation labs & hackathon•Creating ample customer acquisition and

revenue opportunities

Andra Altoa, SEB, Head of Strategy and Customer Insight Unit, Baltic Business Development

9:45 Neither Digital, Nor Physical…. Rethinking the SME Business Model Unleashing Human Capital!•SMe business: reasons for changing the

approach•The new goal – Create value for the bank

rethinking our business model•new logic of targeting and different way

of managing the relationship•Develop the offer to become a real partner

of our customer

10:20 Morning Coffee & Networking

10:50 The Right Stuff – What Type of Individuals Are Needed, and What the Employer Needs to Bring to the Table?•future trends and their implications on

relationship Managers•Corporate culture and its transformation•redefining roles of customer facing individuals•Becoming the most desirable workplace

Mikko Nieminen, Nordea, Head of Commercial Banking Development

Accelerated Digital Transformation that Pushes the Bounderies

11:25 Digital Disruption in SME Banking – Where to Go From Here?•Disruptors•The pain points SMes face•Practical steps to achieve digital transformation•Capabilities required for digital transformation•Current trends and a case studyTamas Josvai, OTP eBIZ Ltd., Managing Director

12:00 Lunch & Afternoon Break

application Use sli.do live application for Q&A, Polls and Slides at our events

Ask questionsVote in pollsSee the up–to–date agendaView slides in real time

and download themDiscuss topics via

the interactive wallnetwork with other delegates

on-line

DAY 29th november, 2017

13:10 Multi-Channel Banking … Are we there yet?•Cost-effective Mix of Multi-Channel Distribution•Scenarios and effectiveness•Changing customer behavior•new distribution channel initiatives

Robert Wright, Raiffeisen Bank Kosovo, CEO

13:45 Digital Platforms for SME Customers•Best practice: BUSİneSS@GArAnTI•Web Platform designed for Merchants

Campaign and after sales service

Ozgur Sanli, Garanti Bank, Software Engineering Manager

14:20 Exciting Era of Brand New Services for Merchants•What mobile payments bring to merchants•new opportunities in mobile shopping•How (almost)big data can help to grow the

business•Building brand new customer experience

together with banks

Ondrej Galik, Ceska sporitelna, Head of Mobile Banking, Customer Engagement & Content Marketing

14:55 Sum-up Hackathon Small groups brainstorm on specific topics, ideas, outcomes and thoughts. each table will nominate a leader to summarize the findings and key takeaways of the conference.

15:40 Summary from the event Chair

15:50 Farewell Coffee & Networking I would like to thank everyone who has helped with the research and organization of this event - especially the expert advisers and speakers - for their commitment, time and support.

I would like to thank everyone who has helped with the research and organization of this event - especially the expert advisers and speakers - for their commitment, time and support.Matej Matecek, Project Manager & Senior Conference ProducerT:+421 257 272 185E:matej.matecek@flemingeurope.com

"It was useful to hear the problems, difficulties and solutions. Hearing innovations is important to any further professional development"

Necati Caglar, SME Loans Underwriting Director, IS Bank

www.fleming.events tel.: + 421 257 272 232 email: monica.jones@fleming.events

Darius Slavik | MD, Corporate Learning Programs

T: +421 257 272 180 | M: +421 918 447 166

CONTACT US TO GET STARTED

APPLY! Get the real ROI by achieving the highest implementation rate of your learning

CUSTOMIZE!in the privacy of your organization

ENGAGE! Make your onboarding and training count with our interactive e-learning programs

This one’s

for you

Why choose our corporate learning programs

Only

CORPORATE LEARNING

In-houseTraining

BlendedLearning e-Learning

Custom Content

e- Learning

Complex Learning Experience

SME Bankingnovember 8th-9th, 2017 | Vienna, Austria

27 € admin istration charge and 20% Austria VAT will be appliedPayment is required within 7 working days

If you wish to pay in USD ($) or GBP (£) please contact us for more details.

In the name of fleming events, s.r.o. I hereby declare fleming events, s.r.o. will adhere to this sales contract & terms & conditions

eDUArD VACULA, Director

Terms and Conditions:1. PAYMenT TerMS. Fleming Events, s.r.o. (hereinafter as “fe”) requires the full payment of the invoiced amount within 7 working days

from the issue date of the invoice. fe reserves the right to refuse entry to any client who does not pay the invoice in full and on time. If the payment is not received on fe’s account on the seventh day from the date of the issue of the invoice, fe is entitled to charge the Client an overdue interest of 5% p.a. for every day, for which the Cleint’s payment is overdue. The registration fee includes: conference documentation, admission to all conference sessions, lunches and refreshments, admission to networking social breaks during the event. The registration fee does not include: travel, hotel accommodation, transfers or insurance.

2. HoTeL ACCoMMoDATIon. overnight accommodation is not included in the registration fee. A reduced rate may be available for fe’s clients at the hotel hosting the event. The reservation form will be sent to the client after the venue has been confirmed, but no later than one month before the event begins.

3. CAnCeLLATIon BY CLIenT. The client has the right to cancel his/her participation in the event. Cancellation must be received by fe in writing, either by mail, email or fax. If the client cancels with more than one month’s advance notice before the start of the event, fe shall be entitled to retain and charge 50% of the total invoiced amount. If the client cancels with one month’s (or less) advance notice, or fails to attend the event, then the client shall not be entitled to any refund nor any discount. Client’s failure to attend the event does not cancel, decrease or in any matter waives the client’s obligation to fully pay the fee invoiced to the client by fe.

4. CAnCeLLATIon BY fe. While every reasonable effort is made to adhere to the advertised program, circumstances out of the control of fe can arise, which may cause changes in the program, including but not limited to changes in the content, date(s), location or venue, or special features of the planned event. Such circumstances include but are not limited to acts of terrorism, war, extreme weather conditions, compliance with government requests, orders and legal requirements, failure of third party suppliers to timely deliver, and failure to register the minimum targeted amount of attendees for a given event. fe reserves the right to change the content, date(s), location or venue and/or special features of an event, to merge the event with another event, or to postpone it or cancel it entirely as appropriate under the circumstances. Client agrees that fe shall not be liable for any cost, damage or expense which may be incurred by client as a consequence of the event being changed, merged with another event, postponed or cancelled and client agrees to hold fe harmless and to indemnify fe for any liability caused by any such changes, mergers, postponements or cancellations to the Client.

5. CAnCeLLATIon of THe eVenT. In case fe cancels the event, fe may offer the client a full credit up to the amount actually paid by the client to fe. This credit shall be valid for up to one year from the issue date of the invoice to attend any of fe’s events. The client shall not be entitled to this credit as a contractual right.

6. CLIenTS IDenTIfICATIon InforMATIon. By signing of this sales contract and these terms and conditions the client gives full right to fe to share the client’s identification information such as, but not limited to, client’s name, address, email addresses, phone numbers and names of representatives with third parties, which participated on the same event as the client.

7. GoVernInG LAW. This contract shall be governed and construed in accordance with the laws of the Slovak republic (not including its conflict of laws provisions). Any disputes arising out of this contract shall be brought before the courts of the Slovak republic situated in the city of Bratislava in the Slovak republic.

8. InDeMnIfICATIon. To the fullest extent permitted by the law, you agree to protect, indemnify, defend and hold harmless fe, its owners, managers, partners, subsidiaries, affiliates, officers, directors, employees and agents, from and against any and all claims, losses or damages to persons or property, governmental charges or fines, penalties, and costs (including reasonable attorney’s fees) (collectively “the Claims”), in any way arising out of or relating to the event that is the subject of this contract, and regardless of negligence, included but not limited to, Claims arising out of the negligence, gross negligence or intentional misconduct of fe employees, agents, contractors, and attendees; provided, however, that nothing in this indemnification shall require you to indemnify fe Indemnified parties for that portion of any Claim arising out of the sole negligence, gross negligence or intentional misconduct of the fe parties.

9. oTHer CUrrenCIeS. In case that client requests payment in other than fe’s official currency (eUr), fe reserves the right to apply 8% currency risk surcharge to the actual exchange rate.

10. oTHer ConDITIonS. Any terms or conditions contained in the client’s acceptance which contradict or are different from the terms and conditions of this registration document shall not become part of the contract unless individually negotiated with fe and expressly accepted by fe.

Under european Union and Austria tax regulations delegates are required to pay VAT in any conference taking place in Austria. Delegates may be entitled to reclaim this cost.

Sales Contract Code: BA fC 289_M

PLEASE COMPLETE THIS FORM AND SEND IT BACK TO:

PH O N E: + 421 2 57 272 232E-MAIL TO: monica.jones@fleming.events

OR FAX: + 421 255 644 490

Client Identification Details(Please complete form IN CAPITAL LETTERS for each client)

Ms Mrs Mr Surname:

Name:

Job Title:

Email:

Ms Mrs Mr Surname:

Name:

Job Title:

Email:

Ms Mrs Mr Surname:

Name:

Job Title:

Email:

Company/Organisation Details

Name:

VAT Number: (VAT No. for EU members / Tax Number for non-EU members)

Contact person:

Email:

Address:

City:

Country:

Phone:

Nature of business:

Website:

Payment MethodPlease debit my

Visa Eurocard / Mastercard Amex Diners club

Card Billing Address:

Street:

City: Post/Zip Code

Card Holder´s Name:

Card Holder´s Signature:

Card Number:

Visa CVC Number or Eurocard/Mastercard CVV Number or Amex DBC

3 or 4 digit code on the back or front of the card

Valid from Expiry Date

I agree to Fleming Events, s.r.o. debiting my card.

Authorization and Acceptance of Sales Contract & Terms & ConditionsI hereby declare I am authorised to sign this contract and terms & conditions in the name of the company/organisation:

Name:

Date:

Signature: Booking is invalid without a signature

Agreed Price of the Service

€ 1598

€ 3099

per delegate

per delegate

Industry professional

Consultant / Solution Provider