INTRODUCTIONS (9:00 - 9:45)

Deputy Prime Minister Leszek Balcerowicz
US Ambassador Daniel Fried
Director of US Agency for International Development/Poland William Frej
Director of Polish Banks Association Krzysztof Pietraszkiewicz

1.	Keynote Address 1: Diagnosis of the Sector: Major Achievements and Hurdles (9:45 - 10:30) Sally Merrill (UI) Keynote Address 2: From Diagnosis to Action Plan for the Next Decade W.J. Brzeski (Advisor to Deputy Prime Minister L. Balcerowicz)

Coffee (10:30 - 11:00)

2.

Action Plan for the Banking Sector for Next Decade (11:00-12:30) Chair: L. Gajewski Panel: Ewa ¦leszyńska-Charewicz (GINB), Marek Sadowski (MOJ), Joanna Wardzińska (BISE), Mirosław Sochaczewski (PKO BP), Mirosław Kowalski (BPH) Lech Gajewski: "Key Tasks for the Mortgage Lending Industry in Poland" Commentary from Panel Members Questions and Discussion

Lunch (12:30 - 1:30)

3.	Keynote Address 3: Funding and Efficiency: Global Models (1:30 - 2:00) Michael Lea (Cardiff Consulting)

4.

Seeking Long-term Funding (2:00 – 4:00) Chair: Wł odzimierz Grudziński (BISE) Panel: Sven-Torsten Kein (Rheinhyp-BRE), Agnieszka Drewicz-Tulodziecka (Mortgage Credit Foundation), Leszek Trojnar (PKO BP), Ryszard Jach (Skarbiec Fund), Michael Lea (Cardiff Consulting), Douglas Diamond, Irena Herbst, Piotr Cyburt (BRE) Douglas Diamond: "Regional Experience with Mortgage Funding" Piotr Cyburt: "Mortgage Bond Issues" Leszek Trojnar: "Universal Banks and Long-Term Financing" Adam Michoń: "Expectations of Institutional Investors" Commentary from Panel Members Questions and Discussion

Coffee and Tea

Day 2: Type of Risks and Risk Management in the Mortgage Market; Globalization; Role of the Government in Building Effective Housing Finance Market

5.

Risks and Risk Management in the Real Estate Financing Sector (9:00 - 10:00) Chair: Wojciech Dziewulski (BudBank) Panel: Ewa ¦ leszyń ska-Charewicz (GINB), Krzysztof Pietraszkiewicz, Michael Lea, Douglas Diamond, Irena Stocka (GE Mieskaniowy), Jacek Łaszek (Bank Słaski), Elżbieta Bulwarska (BudBank) Ewa ¦ leszyń ska-Charewicz: "NBP Regulatory Policy for the Housing Finance Sector" Elżbieta Bulwarska: "Self-Regulation Initiatives of the Industry" Commentary from Panel Members Questions and Discussion

6.

Risk Management and IT (10:00 - 11:15) Chairman: Raymond Struyk (UI) Panel: Robert Pruett (Perot Systems, US), AndrzejJankowski (BGK), Sally Merrill, Adam Góral (Comp S.A), Michael Lea Richard Pruett: "Information Technologies, US Experience" Adam Góral: "Polish IT Products for the Mortgage Industry" Commentary: Andrzej Jankowski Questions and Discussion

Coffee (11:15 - 11:45)

7.

Global Issues: Poland, the Region, the EU, and the U.S. (11:45 - 12:45) Chairman: Paweł Pniewski, (PBA EU Integration Committee) Panel: Judith Hardt (European Mortgage Federation ), Deborah Erb (US MBA), Michael Lea, Sally Merrill Judith Hardt: "How Will EU Integration Impact Poland's Housing Finance" Deborah Erb: "Globalization in the Mortgage Market" Commentary from Panel members Questions and Discussion

Lunch (12:45 - 1:45)

8.

The Government's Vision of the Housing Market: Challenges and Tasks (1:45 - 4:00) Chairman: Sł awomir Najnigier (HUDA) Panel: E. Boń czak-Kucharczyk (HUDA), Rafal Zagórny/Grażyna Grzyb (MOF), Irena Herbst (NHF) Ewa Bończak –Kucharczyk: "Vision for Housing Policy for the Next Decade" Grażyna Grzyb: "Resources for Public Financing of the Housing Sector" Comments from Panel Members Questions and Discussion

9.	Conference Conclusions: From Strategies to Action (4:00 - 4:20) Lech Gajewski and Michael Lee (USAID)

Coffee and Tea

Poland Housing Finance Program
c/o The Urban Institute
2100 M Street, NW
Washington, DC 20037