KRUK Summit of Now

 

 

 

08:30 – 09:00 Welcome coffee & Registration

 

09:00 – 09:15 Summit opening

• Cristian Hostiuc, director editorial, Ziarul Financiar
• Cosmina Marinescu, CEO, KRUK Romania
• Urszula Okarma, Member of the Management Board & Chief Investment Officer, KRUK S.A.

 

 

09:15 – 09:45 How is Romania doing from the perspective of overall financial stability? How financially resilient are Romanian households? What topics will shape 2026?

• Florian Neagu, Director, Financial Stability Department, National Bank of Romania (NBR)

 

 

09:45 – 10:30 What is the current economic situation of Romania? How is the banking system positioned in today’s context? What political and social developments are impacting the economy, business environment, and public trust? What are the main challenges for 2026? Which geopolitical events have the strongest impact on Romania? How can we use the current context to relaunch investment and economic growth?

• Cristian Popa, Member of the Board of Directors, National Bank of Romania (NBR)
• Florin Dănescu, Executive President, Romanian Association of Banks (ARB)
• Radu Magdin, Geopolitical Analyst; CEO, Smartlink Communications

 

 

10:30 – 11:30 How are Romanians managing their money in a context of high inflation and moderating wage growth? How are companies and individuals coping with current financial stress? What are Romanians’ main financial fears for 2026?

• Tiberiu Moisă, Deputy General Manager, Banca Transilvania
• Mădălina Teodorescu, Deputy General Manager, BRD
• Adina Călin, Director, CEC Bank

 

 

11:30 – 12:15 How do banks calibrate and price current risk for companies and individuals? What are the most stressful issues businesses are facing today?

• Bogdan Pleşuvescu, Deputy General Manager, Banca Transilvania
• Frank Rokers, Chief Risk Officer, ING Bank Romania
• Mircea Busuioceanu, Chief Risk Officer, Raiffeisen Bank

 

 

12:15 – 13:15 What economic, social, and demographic changes will impact financial stability in 2026? KRUK is launching the Financial Sustainability Index (IFX) to evaluate the resilience of Romanian citizens. The IFX will be developed by CFA Society certified financial experts to ensure methodological rigor. How can Romanians cope with these challenges?
Speakers:

• Andreea Nica, CFA, Vice President, CFA Society Romania; Finance & Investments Professional

 

 

13:15–14:15 Lunch Break

 

 

14:15 – 15:00 An exploration of how behavioral patterns influence economic decision-making, with implications for financial resilience, policy design, and consumer behavior

• Juan De Rus Gutierrez, Managing Partner, Neovantas; Associate Professor of Behavioral Science and Marketing at Universidad Carlos III de Madrid (UC3M), IE Business School, and University of Barcelona; MSc in Behavioral Science (LSE)

 

 

15:00 – 16:00 Psychology of Trust: Romanian Historical Perspective

Moderator: Mihai Aniţa, Partner; Assurance Services Leader, PwC Romania

Speakers:

• Prof. Dr. Alina Bârgăoanu, Sociologist and Dean of the Faculty of Communication and Public Relations, SNSPA
• Lect. Dr. Lavinia Ţânculescu-Popa, President of the Romanian Association of Industrial and Organizational Psychology (APIO)

 

 

16:00 – 16:30 Closing remarks

 

16:30 – 18:00 Finger food & Wine Tasting