28th Economic Forum

Krynica-Zdroj, Poland, 4-6 September


Registration

A Europe of Common Values or A Europe of Common Interests?

The Economic Forum in Krynica is the largest conference in Central and Eastern Europe. Every year the Forum, organized at the beginning of September brings more than 4000 guests. These are political, economic and social leaders as well as approx. 500 journalists. The guests come from over 60 countries in Europe, Asia and America.

Organizational outline:

  • Six Plenary Sessions
  • More than 180 panel discussions, lectures of the personalities of the public sphere,
  • Workshops and round table discussions
  • National and regional presentations

Tentative Agenda:

Day 1:

  • Inauguration with a Plenary Session,
  • Panel discussions,
  • Thematic Blocks,
  • Concert,
  • Ceremonial Evening

Day 2:

  • Two Plenary Sessions,
  • Panel discussions,
  • Thematic Blocks
  • Economic Forum Awards Ceremony

Day 3:

  • Two Plenary Sessions,
  • Panel discussions,
  • Thematic Blocks,
  • Recreational Events,
  • Closing Ceremony

Thematic tracks:

  • Business and Management
  • Europe and the World
  • Security Forum
  • Energy Forum
  • Innovations Forum
  • Healthcare Forum
  • Regions Forum
  • Investments and Development
  • Macroeconomy
  • New Economy
  • State and Reforms
  • International Politics
  • Society
  • Special Events

The Awards of the Economic Forum:

  • Man of the Year 2017 of Central and Eastern Europe
  • Company of the Year 2017 of Central and Eastern Europe
  • New Culture of New Europe

Guests of the Forum:

4 000 invitees from Europe, Asia, USA and Middle East countries

Organizers:

  • Foundation Institute for Eastern Studies
  • Economic Forum Program Council
  • Partners of the Economic Forum

Commercial partners:

Air Liquide Poland Sp. z o.o.

World leader in gases, technologies and services for Industry and Health, Air Liquide is present in 80 countries with more than 65,000 employees and serves more than 3 million customers and patients. Oxygen, nitrogen and hydrogen have been at the core of the company’s activities since its creation in 1902. Air Liquide is listed on the Paris Euronext stock exchange (compartment A) and is a member of the CAC 40, Dow Jones Euro Stoxx 50 and FTSE 4 Good indexes.

American Chamber of Commerce in Poland

The American Chamber of Commerce in Poland (AmCham), founded in 1990, established itself as a leading voice for the business community in Poland. We represent over 330 of the largest investors from a wide range of sectors who invested over 160 billion PLN and employ over 220,000 people in Poland. Our priorities are the prosperous development of the economy, open dialogue between the business community and government, and enhancing the global competitiveness of Poland in cooperation with U.S. know-how. Proud host of the “AmCham Diner” since 2012!

Bakalland S.A.

The Bakalland Group is the absolute market leader in dried fruits and nuts in Poland. It has specialised in dried fruits and nuts category and other areas of food production from breakfast products to snacks (i.e. muesli bars, protein bars, roasted nuts) for over 25 years. After Delecta joined in 2014, the Group’s portfolio expanded to include: baking products, sweet snacks, instant and traditional desserts and also cereal coffee. The company regularly increases sales of its products outside Poland and now is present in over 40 countries around the world.

Bank Gospodarstwa Krajowego

Bank Gospodarstwa Krajowego initiates and implements projects promoting economic growth of Poland – in cooperation with all development institutions such as: PFR, KUKE, PAIH, PARP and ARP. BGK develops guarantee and sureties schemes which contribute to the promotion of entrepreneurship. One of the important tasks of BGK is also to support is also to support the activities of Polish companies abroad. BGK manages European programmes and distributes EU funds at the national and regional level. BGK is involved in programmes aiming at improvement of access to housing on the residential market.

BUDIMEX SA

Budimex was established 50 years ago. As a general contractor, the company offers its services in the infrastructure sector, energy, industry and ecology sectors. Budimex is gradually increasing its involvement in the facility management (servicing real estate and infrastructure facilities) and waste management sectors. Since 1995, the company has been listed on the Warsaw Stock Exchange, and since 2011, it has been a part of the RESPECT index. Budimex Group comprises: Budimex Nieruchomości , Mostostal Kraków and Elektromontaż Poznań.

Britenet Sp. z o.o.

Britenet is a professional software house and business partner specialized in IT experts leasing. It’s team consists of over 500 specialists. The company provides IT solutions since 2006. Britenet creates and maintains systems that support operational processes in many areas of business including Polish public sector. The company was three times awarded The Best IT Employer in Poland by Computerworld – TNS.

Domanski Zakrzewski Palinka

We are the largest of the Polish law firms. For 25 years our experts have advised both Polish and foreign clients from all business sectors. We believe that close relations bring better solutions. Our efficiency is down to our close cooperation with our clients. We maintain our good reputation and professional prestige thanks to the years’ experience in advising on large complex projects, introducing innovative solutions and working with very demanding clients.

D.A.S. Legal Expenses Insurance Company

D.A.S.  S.A. – the only insurer in Poland specialising exclusively in legal protection insurance. D.A.S. provides professional telephone legal advice service and covers the expenses of legal disputes related to private life or running a business. The insured persons receive expert and financial support in pursuing their rights and defending against criminal or minor charges. D.A.S. is a member of ERGO Versicherung AG Group.

Employers’ Union of Innovative Pharmaceutical Companies INFARMA

The Employers’ Association of Innovative Pharmaceutical Companies INFARMA represents 28 leading pharmaceutical companies engaged in R&D and the production of innovative medicines. INFARMA is a member of the European Federation of Pharmaceutical Industries and Associations (EFPIA), the Employers of Poland and the Polish Chamber of Commerce. INFARMA’s mission is positive impact on healthcare system in Poland and providing patients sustainable and open access to the effective and safe therapies.

EXATEL

EXATEL is a leading Polish operator as well as a cyber and ICT services provider. The company was founded in 2004 through a merger of Telbank with Tel-Energo. EXATEL operates one of the largest fiber-optic networks in Poland (20 000 km) and develops solutions for business, numerous operators and public sector. The company provides transmission data in all Polish commercial banks and 83 energy-sector companies. EXATEL builds and develops the OST network for general government and is responsible for management of connections with 265 national operators and 135 foreign ones. The company is present in international traffic exchange points in London, Frankfurt, Amsterdam, Moscow and Kiev. EXATEL became state-owned since 2017 and is supervised by the Ministry of National Defence of the Republic of Poland.

Ernst & Young

EY is a global leader in assurance, tax, transaction and advisory services. Globally EY brings together nearly 250,000 people. With our presence in over 150 countries, we can offer support and assistance in virtually every place in the world. The EY practice in Poland, with a strength of nearly 3,200 professionals, comprises seven offices in Warsaw, Gdańsk, Katowice, Kraków, Łódź, Poznań, Wrocław and the Shared Services Centre.

FAKRO

FAKRO is vice-leader of worldwide roof windows market and the vice-leader of worldwide loft ladders market. This innovative company with its own Research & Development Department is the author of over 160 patent applications. Great deal of FAKRO design solutions set new directions for the development of the world’s roof windows sector. FAKRO Group employs over 3300 people and is made of 12 manufacturing companies and 16 distribution companies located in Europe, Asia and America. FAKRO roof windows are present in over 50 countries around the world.

French-Polish Chamber of Commerce

The French-Polish Chamber of Commerce (CCIFP) is an employers’ association composed of over 450 French and Polish firms. For 24 years CCIFP has been working for the interests of investors by acting as a platform for networking and the exchange of experiences between companies. In 2017 CCIFP organized 130 events including business mixers, conferences, meetings with politicians and economists. CCIFP is a member of CCI France International gathering 115 French Chambers in 85 countries. www.ccifp.pl

FAMUR SA

FAMUR Group is a producer and supplier of machinery and equipment used in the mining industry all over the world. We specialize in longwall, roadheading, underground and surface transport systems, open-pit mining machines as well as equipment for mass transport and bulk material handling. Thanks to integration with KOPEX Group we have become a national leader and ready to face global challenges stronger than ever. FAMUR Group is part of TDJ SA.

GAZ-SYSTEM

Gas Transmission Operator GAZ-SYSTEM S.A. is a strategic company for the Polish economy, responsible for the transmission of natural gas and the management of the most important gas pipelines in Poland. GAZ-SYSTEM S.A. is also the owner of Polskie LNG S.A., a company established to build the Świnoujście LNG terminal.

Greygoose Outsourcing Ltd.

Highest standards in the field of human resources management, effective recruitment procedures and focus on legal employment and payroll – it’s what identifies us. We are specialists in supplying professional workforce to polish factories, especially from Ukraine. Employees are the growth engine of every business – we find the best ones in order to improve activities and to reduce costs for our Clients. We were trusted by the biggest, international companies.

HSBC

HSBC Bank Polska S.A. is a bank registered in Poland and a member of the HSBC Group. The HSBC Group is the biggest financial institution in Europe, and is also one of the biggest financial institutions globally. HSBC Bank Polska SA focuses on providing bank services to corporate and institutional customers and treasury operations. HSBC Bank Polska S.A. supports Polish companies in their international expansion and foreign investors in doing business in Poland.

innogy

innogy is one of the leading European energy companies. With its three business areas of Retail, Renewables, Grid & Infrastructure, it addresses the requirements of a modern, decarbonised, decentralised and digital energy world. The key markets are Germany, the United Kingdom, the Netherlands, Belgium and several countries in Central Eastern and South Eastern Europe, especially Poland, Czech Republic and Hungary.

Industrial Development Agency JSC

The Industrial Development Agency Joint Stock Company (IDA) is a state-owned company. It has played an important role in the transformation of the Polish economy by responding to the most vital needs of industry, saving thousands of jobs and modernizing large and medium-size enterprises. Today, within the Group of Polish Development Fund, IDA cooperates with key Polish institutions supporting entrepreneurs and provides solutions for current needs and business challenges.

Jastrzębska Spółka Węglowa S.A.

The JSW Group is the largest producer of high-quality hard coking coal and a major producer of coke in the European Union. JSW’s coking coal is used predominantly in the production of coke which, in addition to iron ore, is an essential component of feedstock for the production of steel. JSW is composed of 4 mines producing coking coal and steam coal: Borynia-Zofiówka-Jastrzębie, Budryk, Knurów-Szczygłowice, Pniówek and Zakład Wsparcia Produkcji.

KPMG in Poland 

KPMG in Poland for the past 25 years has provided professional including Audit, Tax, Advisory services, and D.Dobkowski sp.k., a Polish limited partnership, a law firm associated with KPMG in Poland – Legal services. We employ more than 1,800 people in Warsaw, Kraków, Poznań, Wrocław, Gdańsk, Katowice and Łódź.

Kraków Airport

Kraków Airport is the biggest regional airport in Poland. In 2018, 23 airlines offer more than 110 regular connections on 4 continents #flyKRK. Kraków Airport aims to become a leader among European regional airports by providing high standard of service and combining economic success with a positive impact on the enviroment at the same time. The function of the company managing the airport is the operation and development of the airport.

LUX MED Group

LUX MED Group is the leader of private medical services in Poland and part of Bupa. The Group offers comprehensive ambulatory services, diagnostics, rehabilitation, hospitalisation and elderly care. Both corporate and individual customers may choose between various medical subscriptions and self-pay services. LUX MED Group is the Main Medical Partner of the Polish Olympic Committee and the Polish Paralympic Committee.

Grupa Maspex

Maspex is one of the largest food producers in Central & Eastern Europe and a market leader in juices and beverages, instant products and cereal products. The company’s portfolio includes brands such as: Tymbark, Kubuś, Lubella, Łowicz, Krakus, Kotlin, Puchatek, Ekland, DecoMorreno, Cremona, La Festa and Plusssz. The Maspex Group has completed out 19 acquisitions and the company’s products are exported to over 50 countries. Revenue from sales in 2017 amounted over PLN 4.42 billion, of which 31% is foreign sales.

Grupa Żywiec

Grupa Żywiec is one of the leading brewers in Poland with the broadest portfolio of over 40 products under 12 brands and 13 different beer styles. The flagship brand is Żywiec. Among other brewer’s key brands are: Heineken, Warka, Desperados and Tatra. Important part of company’s offer are regional brands: Królewskie, Leżajsk and Specjal. Grupa Żywiec is part of the HEINEKEN, the largest beer producer in Europe and one of the leading international brewers.

LPP

The company was established in Gdansk. For over 25 years, consistently invests in its business. From a small local company it has become one of the fastest growing international fashion companies. Today their products are already available in 20 countries in the world. The company records a regular increase in sales, witch revenues of over EUR 1.7 billion per year. Since 2001, LPP has been listed on the Warsaw Stock Exchange and in 2014 it advanced to the WIG20 index.

Makarony Polskie SA

Makarony Polskie SA is one of the biggest pasta producers in Poland and offer a wide variety and shapes of pasta, pressed and laminated, manufactured with or without eggs, from finest durum and standard wheat. Manufacturing processes are conducted on the basis of modern production lines, and implemented standards guarantee the highest quality and microbiological purity of our products. The Company is also the producer of pasta from alternative grains (spelt, buckwheat, rye) and BIO certified pasta. The company is listed on the on Warsaw Stock Exchange since April 2007.

Market and Social Research Institute

The foundation Market and Social Research Institute is a dynamically developing Polish research institute and the fastest growing brand in the research industry on the Polish market. It operates throughout Poland since 2014. It performs both quantitative and qualitative research. As a non-governmental organisation, it works to improve the quality of the research, popularize the profession of a researcher, promulgate knowledge about the state and trends of public opinion changes in a society.

Mastercard

Mastercard is a technology company operating in the global payments sector. We operate the fastest global payment-processing network which connects consumers, financial institutions, points of sale, government agencies, and companies in more than 210 countries and territories. The products and solutions from Mastercard facilitate and make everyday commercial operations, such as shopping, traveling, conducting business, and managing finances more secure.

mBank

mBank is one of the largest banks in Poland and an icon of mobility. For years, it has been considered the leader of innovations among financial institutions. It provides a full range of modern financial services for individual customers and companies – from micro firms to largest corporations, and the public sector. It was founded 32 years ago as BRE Bank and has been operating as mBank since November 2013. Today mBank has over 5 million customers in Poland, the Czech Republic and Slovakia.

MDDP

MDDP is one of the leading Polish firms providing comprehensive consulting services in the area of taxes, law, business consulting, finance, outsourcing accounting and payroll services, professional trainings and conferences. We combine international experience and global standards with in-depth knowledge of Polish tax, legal and business environment. Our team – nearly 300 persons – supports international corporations and the largest Polish companies – in taking the most important business decisions.

City of Lodz

Łódź is a beneficiary of large public investments: 100 ha of the New Center of Łódź, billions PLN in the revitalization of city centre, a diametral tunnel serving as a subway – those are examples. Private capital is also active in Łódź, as evidenced by the recently launched 200 ha of industrial areas within the agglomeration and 100,000 m2 of modern office space under construction. We will organize EXPO Horticultural in 2024, Youth Football World Cup in 2024.

PKN ORLEN S.A.

Leading-edge player on the fuels and energy markets, the largest company in CEE, listed in global rankings (Platts TOP250, Thompson Reuters TOP100). Owns integrated infrastructure which can process over 35 million tonnes of crude per year. Markets its products through CEE’s largest retail network of nearly 2,800 service stations. Biggest industrial producer of electricity, with capacities of 1.9 GWe. Has own oil and gas (2P) reserves in Poland and Canada, of 153 million boe at the end of 2017.

Ortelius

Ortelius specialist experience helps companies build smarter organiza¬tions by enhancing human and technological asset competencies. We use all knowledge; expertise and information that exists in and around your organi¬zation. Ortelius has innovated a web based, fully customizable knowledge technology platform that can tailor, collaborative strategic management tools for your team. Since 2007, the inorigo® platform has been developed by servicing many large international corporations, to ensure a solution that solves the most critical business challenges today.

Bank Pekao SA

Bank Pekao SA operates for 88 years and as a part of PZU Group creates the largest financial institutions in Poland and one of the largest in Central and Eastern Europe. In terms of capital strength measured as capital adequacy ratio, Bank Pekao is a leader among large banks operating in Poland and one of the safest banks on European level. Bank Pekao SA is a laureate of many prestigious awards and distinctions, both in Poland and in the world.

PGNiG

Polish Oil and Gas Company (PGNiG SA) deals with exploration and production of natural gas and crude oil and – through key companies from the Capital Group – with import, storage, sales, distribution of gaseous and liquid fuels, production of heat and electricity as well as geophysical and drilling services. Its subsidiaries and branches carry out exploration and production activities in Norway and Pakistan, gas sales in Germany and LNG trading through an office in London.

Polska Grupa Górnicza S.A.

Polska Grupa Górnicza is a key partner in building the energy security of Poland. In response to the expectations of cheap and high quality energy, the Company strives for raising the effectiveness and optimizing the production costs, maintaining high standards of environment protection, as well as health and safety issues.Polska Grupa Górnicza has the greatest hard coal resources and extraction potential in the European Union. The mining areas of Polska Grupa Górnicza mines are located in 42 communes of Silesia province and 3 communes of Małopolskie province. The areas of mining activities cover 603 square km, and the mining areas cover 665 square km.

Philips

Philips is a leading health technology company focused on improving people’s lives across the health continuum–from healthy living and prevention,to diagnosis,treatment and home care. Applying advanced technologies and deep clinical and consumer insights, we deliver integrated solutions that improve people’s health and enable better outcomes. The company is a leader in diagnostic imaging, image-guided therapy,patient monitoring and health informatics, as well as in consumer health and home care.

PKO Bank Polski

PKO Bank Polski is the undisputable leader of the Polish banking sector and the basic provider of financial services for all customer segments. The Bank achieves the highest shares in the deposit market, loans, leasing market and in the market of investment funds not dedicated. The Bank is also the largest debit and credit card issuer in Poland. Thanks to the development of digital tools, including the IKO application, PKO Bank Polski has become the most mobile bank in Poland. The Capital Group’s companies strengthen the Bank’s strong position. The effective implementation of the growth strategy meant that at the end of 2017, PKO Bank Polski was the most valuable company listed on the Warsaw Stock Exchange.

Polimex-Mostostal SA

Polimex-Mostostal SA is one of the largest Polish construction and engineering companies. A general contractor in the field of industrial construction. The company carries out specialized investments in Poland and abroad for the energy sector, petrochemical industries and in the field of environmental protection. It is a manufacturer and exporter of steel structures and platform gratings; it also operates in the steel structure galvanizing and coating/painting sector. Operating on since 1945. Listed on GPW since 1997.

Polish Insurance Association

The Polish Insurance Association is a local trade organization representing all insurance companies operating in Poland. The main tasks of the PIU are to support the legislature in establishing law. The Association also leads activities to increase public awareness of insurance and to pursue a multilateral dialogue on the development of the insurance sector in our country. The Polish Insurance Association was established in 1990.

Polish Navigation Services Agency

Polish Air Navigation Services Agency is the only organization in Poland that trains and employs civil air traffic controllers. We manage and control one of the largest airspaces in Europe. Our staff is undergoing specialist training at home and abroad. Every day, PANSA cares for the safety of nearly 2,500 aircrafts using the Polish airspace, handling almost a million air operations every year. Safety in the air is our mission and duty.

The Association of Private Medicine Employers

The Association of Private Medicine Employers is the most active social partner representing the interest of private medicine in the dialogue with the government and parliament in Poland. We have been operating for a decade, animating the environment of private healthcare providers of various sizes. We gather many different entities, among which there are e.g. the largest leaders of the market, listed companies and local healthcare employers.

PZU Group

PZU Group is one of the largest financial institutions in Poland and in Central and Eastern Europe. For over 200 years, the core of PZU Group is insurance activity, which aims to ensure a sense of peace and security for our clients through the offered comprehensive insurance protection in all crucial areas of private, public, and economic life. As it searches for new directions of development and responds to the needs of its clients, PZU Group is expanding in the field of investments and health.

Rothschild Global Advisory

Rothschild & Co is a world leader in the provision of impartial, expert advice. Rothschild Global Advisory business has been present in Poland and CEE since 1990. We have approximately 900 advisers in 40 countries around the world. Our core activity is M&A, privatisation transactions, debt advisory, restructuring and ECM. Polish office is a part of a highly skilled team of advisers who lead projects in all countries of the CEE region. Rothschild Global Advisory is a leader of M&A advisers’ league tables (2017 – World No1 by number of deals).

Sage Group

Sage is a leading supplier of business management software to SMEs. For over 20 years it has been providing management facilitating solutions to businesses and managers in Poland. Our experts offer support and assistance to ease the Customers their way through doing business effectively. Years of experience, tried and true products and affiliation with reliable international organization as is Sage Group, are a guarantee of cooperation with a solid partner with a strong market position.

Servier Polska Sp. z o.o.

Servier is an international pharmaceutical company governed by a non-profit foundation, with its headquarters in France. The company is present in 148 countries, employs 21,600 people worldwide. Servier reinvests 25% of its turnover in research and development and uses all its profits for development. The company’s growth is based on innovations in the following five areas: cardiovascular diseases, diabetes, cancer, immune-inflammatory diseases and neurodegenerative diseases. At present, nearly 100% of the drugs that go to Polish patients are produced in Poland. Servier develops export – today it is already 45% of production.

Shell Poland

Shell is the world’s largest energy group, which manufactures top quality products and offers a comprehensive portfolio of services associated with fuel and energy delivery as well as solutions for business customers and consumers. Operating in Poland since 1992, Shell Polska Sp. z o.o. comprises over 240 stations that offer best in class fuels, car washes, catering, and shops with a comprehensive range of grocery and automotive products. All Shell fuel buyers can participate in the Shell ClubSmart loyalty programme. Shell’s automotive product offering includes top-grade oils and lubricants, and euroShell fuel cards are available to business customers. Shell Business Operations in Kraków is one of the largest business service centres in Poland.

Siemens Sp. z o.o.

Siemens is a strategic partner of the Polish economy offering innovative services, products and solutions that strengthen clients to achieve market success and face business challenges in the modern world. Siemens is a market leader in the field of efficient energy, industrial productivity, and intelligent infrastructure. The company supports automation of manufacturing processes, and with specialized Business Intelligence software and tools provides solutions useful in digitalization of the economy.Thanks to its technological solutions, it contributes to reducing carbon dioxide emissions.

Synergic Sp. z o.o.

Synergic – a leader in the OOH advertising market specializing in non-standard realizations. Its portfolio includes media throughout Poland, including large format advertising and city bikes. It has the right to sell advertisements on attractive outdoor advertising media, including inside and outside public transport (transit), in underground passages, at all railway stations and platforms – including the Central Station and Łódź Fabryczna, as well as at all bus stations, on highways and expressways and at all regional airports.

The Boston Consulting Group Spółka 

The Boston Consulting Group (BCG) is a global management consulting firm and the world’s leading advisor on business strategy. We partner with clients from private, public and not-for-profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Founded in 1963, BCG is a private company with more than 82 offices in 46 countries. Warsaw BCG team exists since 1997 and is led by team of Partners.

Union of Producers and Employers of Biogas Industry (UPEBI)

The Union of Producers and Employers of Biogas Industry (UPEBI) is an association of employers established in 2012 in order to integrate the biogas industry in Poland and act together for the benefit of the biogas sector in our country. The UPEBI’s motto is TOGETHER FOR BIOGAS because every day we fight for better conditions of functioning of the entire biogas industry and do our best to ensure that legislation and other regulations are favourable to our industry. We intervene many times on the stage of development of the laws and regulations related to the biogas industry; we support our members in many areas of their business, including in contacting the representatives of various institutions; we have participate in public consultations and provide information on biogas to all interested parties; we promote biogas technology in the media.

Uzdrowisko Krynica Zegiestów Spolka Akcyjna

Health Resort Krynica-Żegiestów S.A. it’s 225 years of tradition of spa treatment and 210 years of experience in running production activity. The company offers accommodation, in the heart of the resort, in 1-, 2- or 3-bedded rooms of a high standard. Apart from sanatorium stays, it offers congresses and business meetings, healing holidays, rehabilitation and commercial stays,. The exclusive producer of healing waters: Jan, Zuber, Słotwinka and natural mineral water “Kryniczanka”.

Węglokoks S.A.

WĘGLOKOKS S.A. is a strong brand associating companies from mining, metallurgy, energy and logistics sectors. These four pillars of the Capital Group are four interweaving and complementary industries. Strengthening the cooperation between companies allows to increase efficiency and maximize the synergy effect. The consolidated turnover of the Capital Group amounts to approximately PLN 3.5 billion.

VIVUS Finance

Vivus Finance Sp. z o.o., the biggest online loan company in Poland, has been operating on the market since 2012. In under 6 years, the company has acquired over 2 million clients. Fintech solutions implemented by Vivus Finance set the standard for the industry and directly address client needs. Vivus has been the co-creator of the Loan Companies Association, thus actively shaping the loan market in Poland. Vivus is part of 4finance Group which has been operating in over 17 markets globally.

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