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The significant slowdown in 2023 could be followed by a recovery in the credit market in 2024. What could be the pace and structure of recovery? What are the government’s and the central bank’s promises and expectations in this regard? How will EU funds, the Hungarian Development Bank (MFB), and National Capital Holding take their share of the new funding cycle?
08:30 - 08:35
08:35 - 09:00
Credit market recovery and the tasks of the banking sector from the government’s perspective
Speaker: Máté Lóga, State Secretary, Government of Hungary
09:00 - 09:25
Credit market outlook and financial stability as seen by the central bank
Speaker: Barnabás Virág, Managing Director, Hungarian National Bank
09:25 - 09:35
The role of financial instruments among EU funds
Speaker: Dr. Levente Sipos-Tompa, Chairman & Chief Executive Officer, MFB
09:35 - 09:45
Corporate finance beyond credit through the eyes of Capital Holding
Speaker: Bence Katona, President, CEO, Nemzeti Tőkeholding Zrt., Hiventures Zrt.
How will banks' business prospects evolve as the high interest rate environment declines? A roundtable discussion featuring top-level market speakers’ ideas, as well as bank CEOs, always attended with great interest, helps to anticipate and understand the developments facing the banking sector and the credit market as a whole.
10:00 - 10:20
The situation of the banking sector and lending through the eyes of the Hungarian Banking Association
Speaker: Radován Jelasity, Chairman, Chairman of the Board of Directors, CEO, Hungarian Banking Association, Erste Bank Hungary
10:20 - 10:35
Commercial banks face a lending turnaround
Speaker: Levente Szabó, Deputy CEO for Business for Individual Services, MBH Bank
10:35 - 11:35
Roundtable of bank leaders
Moderator: Zoltán Bán, CEO, Net Média Zrt. (Portfolio Csoport)
Conversation participants:
Even with high inflation, consumer lending in Hungary has held up well, and personal loans have made a strong start to 2024. As a relative newcomer, the buy now, pay later (BNPL) phenomenon has also gained a foothold in Hungary, and the market as a whole is visibly expanding, with no small digital steps. Have the innovation opportunities and their business potential been exhausted, or are we on the verge of another consumer credit boom in the Hungarian market? What do Hungarian consumer attitudes and the potential of payment solutions promise? Senior executives from commercial banks' retail banking and credit intermediaries will share their thoughts with a professional audience.
11:50 - 12:05
The afterlife of unsecured loans – What has changed since Covid?
Speaker: Tamás Lencsés, Managing Director, EOS Faktor Zrt.
12:05 - 12:20
The buy now, pay later (BNPL) revolution in Hungary
Speakers:
12:20 - 13:00
Roundtable discussion on the situation of the personal loan market
Moderator: Péter Kuruc, , EY
Conversation participants:
If there is a vulnerability in the global banking system, one of the first areas to be mentioned is commercial real estate finance. In Hungary, the risks in this sub-market appear to be much lower than in the US or Germany, but the banking sector is not entirely immune to the uncertainties in real estate demand, the price rollercoaster, and the challenges of the construction industry. How do banks and developers see the period ahead, and what problems are they facing in project real estate financing, including the office market and residential developments? The big players in this credit market segment will share their experiences and thoughts with us in the early afternoon session of the conference.
11:50 - 12:05
Commercial real estate: A time bomb in Europe?
Speaker: Orsolya Hegedűs MRICS, Associate, RICS Registered Valuer, Head of Advisory & Head of Research Budapest, Cushman & Wakefield
12:05 - 12:20
12:20 - 13:00
Roundtable discussion on the situation of project real estate lending
Conversation participants:
The number one area of credit promotion in Hungary is SME lending, and accordingly, in a recessionary environment, subsidised loans have largely determined market developments. But now that interest rates are coming down again, what can we expect from the SME lending market? What can be expected on the market credit front and how will pricing incentives work? Leveraged corporate clients, bank corporate business units and SME executives will exchange views in the non-real estate focus session on corporate lending.
14:00 - 14:15
14:15 - 14:30
Through crises – Leveraged transaction financing in the SME sector, 2010–2025
Speaker: Gábor Szendrői, Deputy Chairman of the European Council, IMAP
14:30 - 15:20
Roundtable discussion on the state of SME lending
Moderator: Krisztina Bogdán, Head of Corporate Finance, Credit Management Group
Conversation participants:
The year 2024 has started with great momentum in housing lending in Hungary. But will lending rates continue to fall? What will be the impact of changes to home purchase subsidies, and what about government measures affecting household lending? How are home loan products and sales changing? What can be expected on the demand side and in the housing market? Does digitalisation help in the short term? Senior executives from commercial banks' retail banking and credit intermediaries will share their expectations and outline the challenges and business opportunities facing the housing credit market.
14:00 - 14:15
Home lending is on the rebound, but how long will the momentum last? Positive trends and risks in mortgage lending
Speaker: András Becsei, Deputy CEO, Vice President, OTP Bank, Hungarian Banking Association
14:15 - 14:30
14:30 - 15:20
Roundtable discussion on the state of housing credit
Conversation participants:
The Hungarian economy concluded 2023 in a mild recession, with inflation coming off a European peak, and a high government deficit, only to start 2024 with a mixed performance, leaving considerable uncertainty about this year's prospects. Can we anticipate a strong recovery, and what can we expect this year in terms of GDP, inflation, the forint exchange rate, balance sheet indicators and financing? What macroeconomic developments will support or even limit the recovery of the credit market? Renowned economists and macroeconomists will share their thoughts at the closing of the Lending 2024 conference, in the form of lectures and panel discussions, similar to the whole event.
15:40 - 16:05
Where to go from here, world economy and Europe?
Speaker: Eszter Gárgyán, FX Strategist, UniCredit Research
16:05 - 16:55
Roundtable discussion on the macroeconomic prospects
Moderator: István Madár, Senior Analyst, Portfolio
Conversation participants:
16:55 - 17:00
Closing remarks
15:40 - 16:20
Creative possibilities and limits in bank campaigns
What do banks convey, how can a communication strategy be distinctive?
Moderator: Gergely Marosi, Chief Creative Director, Mito Creative
Conversation participants:
16:20 - 17:00
Consumer needs and the message of advertising
How to align digital products with communication; should different consumer groups be addressed differently; how digitally mature are bank customers?
Moderator: László Palincsár, Senior Director, EY
Conversation participants:
Be our guest for a glass of champagne after the technical programme, and do not miss out on the networking opportunity with the conference’s participants and speakers!
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