Dr. Tomasz Pawlonka – Advisor to the Management Board of the Polish Bank Association for Research and Analysis, Director of the Analytical Research Program at the Warsaw Banking Institute, and Assistant Professor at the Department of Finance at Warsaw University of Life Sciences (SGGW). His scientific and educational activities are focused on banking, behavioral finance, and corporate finance management. An expert in financial analysis, sources of corporate financing, particularly in agribusiness enterprises, and business valuation. He conducts research on the development of the banking sector, the ability of the banking sector to finance the economy, the structure of the financial market, and cooperative banking. He has many years of experience as an academic teacher. Author of nearly 40 scientific publications, including four monographs (ORCID). He has been associated with the Analytical Research Program at WIB from its inception, and has been directing its work since March 2024.