Innovation by Boston Consulting Group

Jan Emeryk Rościszewski

Jan Emeryk Rosciszewski is the Vice President of The Management Board and Acting Head of Retail Banking Area at PKO Bank Polski. He holds a master's degree in history from the Catholic University of Lublin and the DEA diploma from Sciences Po Paris.


In 1996, Mr. Rosciszewski became an insurance broker. In 1990s, he started his international career in the field of banking and insurance. He worked in France for such companies as AXA or Groupe Azur. Between 1998 and 2016 he was the Chairman of the Management Board of Cardiff Polska insurance company which now belongs to the BNP Paribas Group. He also performed as the chairman / vice-president of the Supervisory Board of Pocztylion Arka PTE and the Postal Financial Services Agency. He is also a member of the supervisory board of Bank Pocztowy (since 2017). 


Since 2009 he has been a Knight of Honour and Devotion of the Order of Malta, and since December 2012, he has been a Hospitaller of the Polish Association of the Knights of Malta.

He is an author and co-author of historical books. He has also written widely on finance, management and insurance industry for publications such as "Rzeczpospolita", "Harvard Business Review", "Gazeta Wyborcza", "Le Figaro" and "Le Point".

In 2010, he was awarded the Officer's Cross of the Polonia Restituta Order for outstanding services in the development of the insurance market in Poland.

Daniel Astraud

Daniel Astraud is the Vice President of the Management Board of the BGŻ BNP Paribas Bank. He is responsible for the Strategy and Transformation Area, including Digital Transformation Line, Innovation Department and Petrus Project Coordination Bureau. In 1993, he graduated from Université de Paris 1, with a Master’s Degree in Banking and Finance. From early stages of his professional career, Mr Astraud has been associated with the BNP Paribas Group. 

From 1985 to 1987 he worked as head of Credit Department in Melun, France, and then in the years 1987-1989 as branch manager in Lagny, France. From 1989 to 1994 he worked in General Inspection, internal audit of the BNP Paribas Group, and in the years 1994-1998 he was secretary general of Banque de Bretagne in the BNP Paribas Group. Next, from 1999 to 2004 he was head of Banking Operations and Real Estate in Corporate and Investment Banking of the BNP Paribas Group. From 2004 to 2009 he was chief operating officer (COO) of BNP Paribas BNL Corporate and Investment Banking in Italy and then from 2009 to 2011 in Findomestic Banca Italy. In the years 2012-2014 he was chief operating officer (COO) of International Retail Banking of the BNP Paribas Group.

Since 2014, he has been co-head of integration of BNP Paribas Polska, BGŻ Bank and Sygma Bank in Poland.
Besides, Daniel Astraud holds the following positions: Member of the Supervisory Board of BFN Actus Sp. z o.o., Member of the Supervisory Board of Ukrsibank, Chairman of the Supervisory Board of Lion 2I (BNP Paribas Group), Member of the Management Board of BNP Paribas Real Polska.