XV European Congress of the EFBS in Prague
from 24 to 26 October 2007

“Bausparen – a safe way to home ownership”


Thursday, 25 October 2007

Congress opening
Prof. Dr. Klaus Töpfer, former UN Under Secretary General and Executive Director of the Environment Programme of the United Nations (UNEP), Speech 
Ing. Milan Šimáček, Deputy Minister of Finance, Czech Republic, Speech of Ing. Šimáček
Dr. Thomas Wieser, President of EFBS and CEO of Allgemeine Bausparkasse reg. Gen. m.b.H., Austria, Speech of Dr. Wieser

First Session: Inflation, saving, housing property acquisition
Moderation: Mag. Herbert Pfeiffer, Prvá stavebná sporiteľňa, a. s., Slovakia
Prof. Dr. Hans-Hermann Francke, University of Freiburg, Germany: „Financing housing property in an inflationary environment”
Marcia Cantor-Grable, Genworth Financial Inc., UK: „Enabling home ownership, responsibly”

Second Session: Risky and less risky types of housing finance, also with a view to foreign currency problems
Moderation: Dr. Thomas Wieser, Allgemeine Bausparkasse reg. Gen. m.b.H., Austria
Doug Duncan, Mortgage Bankers Association, USA: „The state of the US housing market
Hans-Joachim Dübel, Finpolconsult, Germany: „US-Subprime Market Crisis – Structural Causes and Issues for Emerging European Mortgage Markets”
Kommerzialrat Manfred Kunert, Österreichische Volksbanken-AG, Austria: „Foreign currency loans in housing finance – the example of Austria”
Dr. Peter Zöllner, Oesterreichische Nationalbank, Austria:
„Risks of foreign currency financing – especially in combination with lump-sum repayment vehicle”

Third Session: Housing finance by comparison: the example of Poland and Czech
Moderation: Eng. Vojtěch Lukáš, Stavební spořitelna České spořitelny, Czech Republic
Jacek Furga, Polish Ban”king Association, Poland: „Housing finance in Poland from the transformation years 1989/90 till today”
Ing. arch. Daniela Grabmüllerová, MBA, Ministry of Regional Development, Czech Republic: „Housing finance in the Czech Republic”


Friday, 26 October 2007

Fourth Session: emographic aspects
Moderation: Dr. Stefan Jokl, ifs Institut für Städtebau, Wohnungswirtschaft und Bausparwesen, Germany
Detlef Gerhardt, European Commission, Belgium: „Expected demographic changes in the EU”
Dr. Bernhard Gräf, Deutsche Bank Research, Germany: „The demographic change in Germany – effects and alternatives for action”
Dr. Reiner Braun, empirica Gesellschaft für Struktur- und Stadtforschung mbH, Germany: „Housing expectations of generation 50+”

Fifth Session: The growing importance of the new media for managing financial affairs
Moderation: Hans-Christian Vallant, Raiffeisen stambena štedionica d.d., Croatia
Harry Gardner, Mortgage Bankers Association, USA: „eMortgages – using electronic documents to streamline the mortgage process”
Bartłomiej Wołoszyn, Hewlett Packard Poland: „New media for managing financial affairs – it’s time for the next step.
The theory, concepts and examples of innovative usage of new media for managing business affairs”

Anette Rehm, Quelle Bauspar AG, Germany, and Mag. Andreas Fleiss, Bausparkasse der österreichischen Sparkassen AG, Austria:
„Banking and the ‘new media’ in the year 2032”