SME SUMMIT

Milan23 –24 MARCH

#EfmaSME17

ENOUGH TALK ABOUT A NEW ERA IN FINANCIAL SERVICES, IT’S TIME TO GET BIG IN SMALL BUSINESS BANKING

Attend the SME Summit learn how to capitalise on the significant new opportunities.

The Summit will focus on a number of hot topics which are front of mind for SMEs today, including: ‘Clash of clans’: traditional business banks vs. the newcomers

SME customers journey 2.0

Best new strategies to improve SME acquisition

The role of digital transformation in SME banking

Big data, analytics, IoT and AI in SME Banking

How to achieve successful partnerships between banks and fintechs

Attendees will benefit from a number of new features and they will get to hear from a number of highly regarded SMEs who will discuss their real needs and expectations from banks.

Join us on the evening of the first conference day, to recognize the best players and the best apps in the SME community! Take also the chance to test the apps through interactive demos, during the new Innovillage exhibition.More info on www.efma.com/smeawards

DON’T MISS THE SME APPSBANK AWARDS CEREMONY

Stefan Andersson Head of Business Banking Nordea Bank Sweden

Pietro Candela BD Italy Alibaba GroupItaly

Jack De Mooij SME Sales & Distribution Workstream Leader ING Direct Italy Italy

Esra Kivrak SEVP SME BankingGaranti Bank Turkey

Pascale Devriese Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group)BNP Paribas France

Malgorzata Szturmowicz Board member, CFO Idea Bank Poland

Giuseppe Taibi Group CMO Alliance Bank Malaysia

Mahdi Kilani EVP Head of Business Banking Abu Dhabi Islamic Bank UAE

Be part of an inspiring networking community

SME SUMMIT KEY FIGURESwww.efma.com/sme17

#EfmaSME17

1 SME SUMMIT 2016 2 FEEDBACK FROM

PAST DELEGATES

‘WELL ORGANIZED EVENT, INTERESTING AND RELEVANT TOPICS AND HIGH LEVEL PRESENTATIONS’ Valerie Huynen, Director Business Center, ING

‘IT HAS BEEN WELL ORGANIZED, IT HAS COVERED MOST OF THE NEW DEVELOPMENTS OF SME BANKING’ Aydin Argin, Corporate & Commercial Banking Group Head, BKT

‘WELL ORGANIZED WITH MANY INTERESTING SPEAKERS’ Thorsteinn Stefansson, Corporate Branch Manager, Landsbankinn

‘THIS WAS THE BEST SME CONFERENCE OF THE LAST THREE YEARS. THE NUMBER OF PARTICIPANTS, GENERAL QUALITY OF THE PRESENTATIONS AND THE RELEVANCE OF THE DIFFERENT THEMES WERE GOOD!’ Beyza Deveci, Specialist, Türkiye Bankası

‘INTERESTING TO SEE HOW THE TRENDS IN SME BANKING IS DEVELOPING’ Nino Masurashvili, Deputy General Director, Retail Banking, TBC Bank

‘VERY GOOD. BEING NEW IN THE SME WORLD. I LEARNT A LOT ABOUT THE SME MARKET IN DIFFERENT COUNTRIES‘ Panteha Rasti, Retail Banking, Senior Digital Business Analyst, Nordea Bank

‘GOOD LECTURES, GREAT PRESENTERS, VERY NICE LOCATION, PRACTICAL TAKEAWAYS, INTERACTIVE SESSION VERY GOOD!’ Michael Kriebernegg, Head of Business Analysis & Design, Erste Group

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YEAR

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2016 SME SummitFlickr photo gallery

ATTENDEES76

17

SPEAKERS

68%

TOP SENIORS FINANCIAL

87%

INSTITUTIONS

COUNTRIES29

94%OF THE RESPONDENTS

FROM LAST YEAR’S EVENT RECOMMEND THIS EVENT

TO A COLLEAGUE

Thursday 23 March 2017

Leveraging technological breakthroughs in business banking

Welcome coffee 8.15

Chairman: Ken Burke Group Head of Mortgage Business & Credit Products Allied Irish Banks Ireland

SME SUMMIT PROGRAMMEwww.efma.com/sme17

#EfmaSME17

Tochka’s case: combining the human touch with bots Not all functions fit into interfaces, and people are very used to text Humans can still provide the best-ever service Using bots that assist operators rather than customers can enhance the user experience

Boris Dyakonov CEO Tochka.com Russia

9.20

Coffee break and networking10.45

PANEL DISCUSSION: Reshaping the traditional world

Stefan Andersson Head of Business Banking, Nordea Retail Nordea Bank Sweden& Boris Dyakonov CEO Tochka.com Russia& Ignazio Rocco di Torrepadula Founder & Chief Executive Officer Credimi Italy& Emre Ergun EVP, Head of Retail & SME Banking Fibabanka Turkey

10.15

Managing an SME portfolio in an economic downturn: UAE case study The UAE SME market and structural challenges Building a sustainable SME banking operating model Key lessons learned from the recent local SME finance crunch The risk-based SME banking model for growth

Mahdi Mamdoh Kilani EVP, Head of Business Banking Division Abu Dhabi Islamic Bank UAE

11.15

Business Development: How to get BIG in small business banking

Rising Technology: Impact of AI & IoT in SME banking

SME Online: a win-win solution Nordea & Business Banking Business owners; digital immigrants or natives? Future SME banking channels Case studies: 1 — Nordea Online Onboarding 2 — Interactive SME-advisory Summary

Stefan Andersson Head of Business Banking, Nordea Retail Nordea Bank Sweden

9.00

Value creation for SME’s via smart open banking A personalised, omnichannel and open business management and banking platform, Enriched with relevant insights generated by bankUP’s smart data capabilities Connected with the fintech community to offer additional value added services relevant to SME’s needs

Krzysztof Pulkiewicz CEO & Co-founder BankUP Belgium

9.40

15’Q&A

Thursday 23 March 2017

WHO IS WHO session: Builders of new SME Banking ecosystem

This session aims to allow our participants to introduce themselves and make it easier for networking. 3 to 4 institutions will be presented in a session, via a series of 180 seconds videos of bankers and their institutions.

Please note that only pre-selected representatives of the banking sector will get on stage. If you wish to introduce yourself, send us an email.

12.30

SME SUMMIT PROGRAMMEwww.efma.com/sme17

#EfmaSME17

Lunch12.45

Coopetition: ‘Clash of clans’ - Fintech newcomers vs. Global Banking leaders

PANEL DISCUSSION: Is there a real space for new entrants in SME Banking? Perspectives of Fintech newcomers, neobanks and global leadersTomasz Gorski Head of SME Business mBank Poland & Krzysztof Pulkiewicz CEO & Co-founder BankUP Belgium& Malgorzata Szturmowicz Board Member & CFO Idea Bank Poland& Ignazio Rocco di Torrepadula Founder & Chief Executive Officer Credimi Italy& Jack De Mooij SME Sales & Distribution Workstream Leader ING Direct Italy Italy

Credimi: believe in a simpler life for Small Businesses Credimi believes that technology and financial innovation enable a better and more fulfilling life for Small Businesses We have started to materialize this belief, by providing to SMEs a digital invoice financing solution, that makes things simpler, faster, more flexible and more convenient

Ignazio Rocco di Torrepadula Founder & CEO & Alessandro D’Arpa Entreprise Risk Manager Credimi Italy

14.20

14.00

What makes small business big business in CEE? Does the traditional business model still work or do we need to switch to digital? Is the traditional relationship manager dead? Do customers appreciate face-to-face service? Will SMEs remain big business in the digital age?

Ferenc Berszan Head of Consumer & Small Business Banking Raiffeisen Bank International Austria

11.55

15’Q&A

STUDY PRESENTATION: Getting big in small business banking

Highlights from 2016 BCG corporate banking performance benchmarking Digital and Fintech trends in the SME space Levers to improve SME business profitability

Stefano Valvano Partner & Managing Director BCG Italy

11.35

Thursday 23 March 2017

SME SUMMIT PROGRAMMEwww.efma.com/sme17

#EfmaSME17

Strategic partnership ING - Kabbage: ING accelerates innovation by partnering with Kabbage Focus on innovative Digital Lending Solution Opportunities, challenges and lessons learned

Jack De Mooij SME Sales & Distribution Workstream Leader ING Direct Italy Italy

FINTECH PITCH: Go digital, go green, acquire more - how to start the digital journey today Status quo of digital sales availability Becoming the most advanced Success stories (mBank, Orange) Going digital and revitalizing traditional channels at the same time How to start and finish in 12 weeks

Maciej Olejniczak Head of Sales Consdata Poland

15.10

15.45

FINTECH PITCH: SizeUp - Big Data for Small Business Bank as partner for SME business success Business intelligence and benchmarking for SME Customers SME assistance for customer acquisition, retention, and engagement Increasing SME engagement digitally and in-branch Success models: Deutsche Bank and Wells Fargo

Anatalio Ubalde CEO SizeUp USA

15.30

Fintegration in SME Banking: Enablers in adding more services for professional customers

A story of how mBank joined forces with Fintech to ease SME’s minds Transition from end of the month accounting to delightful accounting New rich customer experiences created Lessons learned from Fintech cooperation project

Tomasz Gorski Head of SME Business & Jaroslaw Stefanski Head of SME Value Added Products Division & Digital Ecosystem mBank Poland

14.50

FINTECH PITCH: SMEs: Bank to the future What are the key issues SMEs face today but are currently unresolved by the banks digital offering?

What should a XXI century SME digital banking should look like? Risks of not walking this path

Luis Rodriguez VP Digital Solutions Strands Spain

16.00

Coffee break and networking16.15

Thursday 23 March 2017

SME SUMMIT AWARDS CEREMONYwww.efma.com/smeawards

#SMEawards17

Taking place in the evening of the first SME Summit day, the SME AppsBank Awards Ceremony will reward the best SME banking mobile apps worldwide. All the summit attendees are invited to attend the ceremony. In a relaxed atmosphere, you will be part of a community of senior SME bankers from around the world, learn about the industry’s challenges and hear from many respected figures.

ATTEND THE SME APPSBANK AWARDS CEREMONY

#SMEawards17

16.55 Registration17.00 Introduction to the 2017 Awards Ceremony Laurence Leyden, General Manager, Financial Services EMEA, SAP Vincent Bastid, CEO, Efma17.10 2016 Top trends in SME apps by SAP17.30 Peer recognition award 201717.50 Market & Media award 201718.10 Efma & SAP special prize 201718.30 Panel on SME digital strategy: insights from the winners18.50 Closing remarks19.00 SME AppsBank Awards Ceremony Cocktail

THE PROGRAMME OF THE CEREMONY

This is the perfect opportunity to network with high-level peers in an enjoyable environment and discover the best-in-class SME apps created by banks to deliver financial services to the SME market.

Friday 24 March 2017

SME SUMMIT PROGRAMMEwww.efma.com/sme17

#EfmaSME17

New era of B2B clients relations

Welcome coffee 8.15

PANEL DISCUSSION: We are SMEs! This is how we see our “banking” journey What needs do we have on every step of the journey? What do we expect from a bank? How much are we ready to pay for non-financial services?

Jozef Vodička Developer Relations Program Manager, South CEE Google Czech Republic& Pietro Candela BD Italy Alibaba Group Italy & Katarzyna Siwek Head of Communications Idea Bank Poland & Cihan Baba CEO Bahcesehir Koleji Turkey

9.20

Developing differentiated value propositions for Women Entrepreneurs and start-ups Garanti Bank WE Program Garantipartners Start-up Hub

Esra Kivrak SEVP SME Banking Turkiye Garanti Bankasi Turkey

11.00

‘Small is powerful’: Alibaba platform and Alipay case study Alibaba ecosytem: a growth platform for SME How payments can augment the consumer daily experience Alipay case study: end-to-end marketing and payment solution for SME

Pietro Candela BD Italy Alibaba Group Italy

9.00

Coffee break and networking10.30

Chairman: Nikoloz Kurdiani Deputy CEO TBC Bank Georgia

How to move on with reinvented CX for Small Business Market? Context: new environment & challenges for Small Businesses in Europe / Italy - it’s urgent to move! Key-levers for changing direction and offer a real new CX: culture & governance change, Design Thinking for CJ’s reinvention, Agile Method for fast delivery - easy to say, quite a challenge to apply!

Case “I need cash now”: what, why, how? - we finally did it! Some conclusions on KPI’s to measure our performance; NPS for Small Business key take-aways

Pascale Devriese Head of Digital Offering Small Business for the Operational Entity BNL (BNPP Group) BNP Paribas France

11.20

Use of social media for customer acquisition and ensuring constant SME business growth Background: creating new ways to reach targeted customers Campaign design and communication: it is not easy to attract attention in the creative world Results & learnings: change for the best

Emre Ergun EVP, Head of Retail & SME Banking Fibabanka Turkey

10.05

SME Customer journey 2.0: Start-uppers, freelancers, women entrepreneurs and other species of GEN Y

Friday 24 March 2017

SME SUMMIT PROGRAMMEwww.efma.com/sme17

#EfmaSME17

Sharing Economy, Shared Mobility, Internet of Things – how to make use of this vital (consumer) trends in banking sector? The new understanding of “going mobile” in banking – caste study of mobile ATM It’s time for fintech disruption in car leasing – pay-as-you drive model Digitization of documents circulating process – accounting app for Uber partner-drivers

Malgorzata Szturmowicz Board Member & CFO Idea Bank Poland

15’Q&A

11.40

Speed and Scale through portfolio and cradling approach Portfolio approach to risk Cradle strategy From operating account to borrowing relationships

Giuseppe Taibi EVP & Group CMO Alliance Bank Malaysia Berhad Malaysia

13.50

New relationship models: closer relations with less banking Revised acqusition and onboarding processes for micro customers New CRM platform for small/large customer management

Asli Duzenli SME and Agricultural Banking EVP Yapi Kredi Bankasi Turkey

13.30

New relationship models, Closer relations with less banking

WRAP-UP session How to get big in SME Banking: key messages, takeaways and suggested next steps by chairmen

Ken Burke Group Head of Mortgage Business & Credit Products Allied Irish Banks Ireland& Nikoloz Kurdiani Deputy CEO TBC Bank Georgia

14.25

Coffee break and networking 14.45

Optional on-site visit at UniCredit Bank’s headquarters in Milan. Meet the innovators!

buddybank: banking has never been so sexy Angelo D’Alessandro buddybank Founder UniCredit Bank Italy UniCredit flagship branch visit: introduction to the new service model Marina Figoli Branch Manager UniCredit Bank Italy

15.15

Lunch12.15

15’Q&A

End of the conference/ Back to the hotel16.30

REGISTRATION FORM

DATESThe SME Summit is a 2-day conference that will begin on Thursday 23 March 2017 and will end on Friday 24 March 2017.

LOCATIONExcelsior - Hotel GalliaPiazza Duca D’Aosta 920124 Milan, Italy

LANGUAGES All sessions will be held in English

ACCOMMODATIONEach participant must pay the cost of his or her accommodation directly to the hotel before departure. An automatic confirmation will be sent by email within 24 hours after your registration.

REGISTRATION The registration fee covers participation in the SME Summit, documents, lunches and coffee breaks. Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event. We welcome late-bookers, but credit card

information must be provided.

CANCELLATION All cancellations must be received in writing. A 20% cancellation fee will be charged for all cancellations received on or before Thursday 9 March 2017. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided. Substitutions are accepted at any time.

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PRACTICAL INFORMATION

SME SUMMIT REGISTRATION FORM

23–24 March 2017

PAYMENT

REGISTRATION FEE

€ 0 for Efma 2017 Premium Pass holders - € 1,600 for Efma members and associate members € 2,400 for representatives of non-member institutions

VAT not applicable. All registrations are strictly individual.

Please note that discounts apply for group registrations, contact registration@efma.com for further details.

Participants 3 4 5 6-9 10-14 15-19 20-24 25+Discount 10% 15% 20% 25% 30% 40% 50% 60%

www.efma.com/sme17

#EfmaSME17

www.efma.com/premiumpass