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2 2019 • Issue 54

THE WORLD OF ALPHA BANK

Your own digital Alpha Bank. Do everything online in your own way. CONTENTS

IN FOCUS p. 3

Τ

Alpha Bank participated in the Hellenic Bank Association’s event in Frankfurt p. 5

Distinction for Alpha Bank p. 6

Award Ceremony for Employees who completed 25 years of service at the Bank in 2018 p. 7

Informative events for Customers of the Private Banking Division p. 8

Meetings of Executives from the Bank’s Branch Network p. 9

GDPR implementation project p. 10

Human Resources Division: Development Centres p. 13

2 2019 • Issue 54 Training Division: Key training programmes in January 2019 p. 14

CULTURE

“Olive tree” at the exhibition entitled: “George Zongolopoulos.The vision of public ” p. 15

Numismatic Presentations for Lyceum students by the Bank’s Collection p. 16

Human Resources Division: Together… in at the Exhibition entitled:

“The Alpha Bank Collection. Greek Art from 1960 until today” p. 17

Alpha Bank sponsored the opera “Simon Boccanegra” p. 18

The publications “Domenikos Theotokopoulos. 1541-1614” and “ Peintres Grecs du

dix-neuvième siècle ” will be sold by Alpha Bank at a discount of 40% throughout March 2019 p. 19

The Alpha Bank Library: Kiki Dimoula p. 20 Editor: CORPORATE COMMUNICATIONS DIVISION 40, Stadiou Str. The J.F. Costopoulos Foundation p. 22 102 52 , Τ E-mail: [email protected] [email protected]

Design - Production: GOD A.E.

< Contents > CONTENTS

PRODUCTS AND SERVICES “4th Dine Athens”: The top culinary event in Athens by Alpha Bank p. 24

Bonus App. The Bonus experience in your mobile p. 26

CORPORATE SOCIAL RESPONSIBILITY Alpha Bank included in the Bloomberg Gender-Equality Index p. 27

Alpha Bank participates in the platform of Carbon Disclosure Project for climate change p. 28

Alpha Bank supports the educational programmes of the Thessaloniki International Film Festival p. 28

2 2019 • Issue 54 CULTURE SPECIAL ART NETWORK

Vrasidas Tsouchlos p. 29

Prefecture of Xanthi

Abdera p. 32

PORTRAITS FROM THE BANK’S HISTORY

Stratis G. Andreadis p. 33

GROUP COMPANIES Editor: CORPORATE COMMUNICATIONS DIVISION 40, Stadiou Str. Alpha Bank Cyprus Ltd p. 35 102 52 ATHENS, GREECE Τ Alpha Bank Albania SHA p. 36 E-mail: [email protected] [email protected]

Design - Production: GOD A.E.

< Contents > IN FOCUS

“myAlpha. Your own digital Alpha Bank”

lpha Bank created “myAlpha” in order to provide its Customers with optimum organisation and service in terms of A digital banking.

“myAlpha” covers all services of Alpha Bank’s Digital Banking for Retail and Business including the Digital service Networks, the mobile applications as well as several online products and tools, marking at the same time the evolution of the Bank in the digital innovation sector, in line with the new era and the needs of the modern consumer.

Specifically, “myAlpha” includes the following services:

1. All the existing digital service networks like “myAlpha Web”, “myAlpha Mobile” and “myAlpha Phone” 2. All online products 3. The digital “myAlpha Wallet” 4. All digital applications 5. All digital tools.

< 3 / 37 > IN FOCUS

An advertising campaign was launched on television on January 25, 2019, to promote “myAlpha”, featuring the main message: “myAlpha. Your own digital Alpha Bank”.

The purpose of the advertising film is to present, through the everyday life of the two leading characters, all services available through “myAlpha”. We watch them both, at the same time, using their digital Bank, “myAlpha”, in their everyday life among other activities or simultaneously. Promotional activities were also launched online as well as at the Bank’s Branches.

In order to watch the TV spot, please click here.

< 4 / 37 > THE BANK

Alpha Bank participated in the Hellenic Bank Association’s event in Frankfurt

n Thursday, January 24, 2019, the Hellenic Bank Association held an event in Frankfurt, entitled “Tackling NPLs within O the Greek Banking System” with the support of PwC Greece. Executives from the Greek and the international banking sector were present at the event, while there was a panel discussion with the participation of the CEO of Alpha Bank Vassilios E. Psaltis, the CEO of Eurobank Mr. Fokion Karavias and Mr. Fabio Balbinot, Head of Servicing, Dobank Group.

The topics discussed focused on key developments in the banking sector as well as the challenges faced by the Greek Banking System and the market, whilst the main issue of the event was the way that the Greek Banking System deals with NPLs.

legacy issues and clean up its balance sheet. We are accelerating our efforts to achieve the NPE reduction targets and we are committed to deliver according to our plan. Currently contemplated structural solutions would increase optionality and allow for bringing the results forward. The gradual recovery witnessed in real estate prices, disposable income and confidence should further support our efforts to restructure viable customers and facilitate the recovery of the Greek Economy”.

< 5 / 37 > THE BANK

Distinction for Alpha Bank

Left to right: Selini Milioni and Stella Traka.

n Friday, February 1, 2019, the financial and investment magazine HRIMA and Ethos Media S.A. organised, for 16th O consecutive year, its prestigious Business awards ceremony.

Alpha Bank was awarded the second prize in the Investor Relations category at the 2018 awards. TITAN Group was awarded the first prize under the same category.

On behalf of the Bank, the award was received by Stella Traka, Senior Officer of the Investor and Analyst Relations Division and Selini Milioni from the same Division.

< 6 / 37 > THE BANK

Award Ceremony for Employees who completed 25 years of service at the Bank in 2018

n Friday, February 22, 2019, the CEO of the Bank, Vassilios E. Psaltis presented honourary pins to Executives who, in O 2018, completed 25 years of service at the Bank. The award ceremony was held at the ground floor of the Bank’s Main Building, at 40 Stadiou Street, in the presence of members of the General Management and Division Managers.

Mr. Psaltis addressed those present, giving a brief overview of the Bank’s activities in 2018. He further thanked them for their devotion and their endeavour, so that the Bank can remain a consistent point of reference in Greece’s financial sector.

< 7 / 37 > THE BANK

Informative events for Customers of the Private Banking Division

n Monday, February 4 and on Wednesday, February 13, 2019, two informative events for Customers of the Private O Banking Division took place in Thessaloniki and in Athens, respectively.

The Executive General Manager Private and Investment Banking Ioannis M. Emiris gave a short speech, which was followed by a presentation by the Manager of the Private Banking Division Emmanouil Arzinos and the Manager of the Investment Portfolios Management Division Panagiotis Remoundos, who focused on investment strategy issues.

< 8 / 37 > THE BANK

Meetings of Executives from the Bank’s Branch Network

rom January 21, through February 16, 2019, seven meetings of Executives from the Bank’s Branch Network took place F all over Greece. Overall, more than 800 Executives attended the meetings, while the Deputy CEO Non-Performing Loans and Treasury Management Artemios Ch. Theodoridis was present in the meeting which took place in Athens.

The Executive General Manager of the Greek Branch Network Isidoros S. Passas talked about the main macroeconomic developments and presented the greek banking system as formed in early 2019. He analysed the results of the previous year for the Branch Network and he outlined the main factors that are expected to affect the banking sector. The Managers of the Attica and Eastern Continental Greece Branch Division, the Central and Northern Greece Branch Division, the Peloponnese, Western Greece and Ionian Islands Branch Division and the Aegean Islands and Crete Branch Division presented the Bank’s targets regarding NPLs, deposits, grants and income from new operations for the new year and they also presented the strategies implemented to achieve the Branch targets.

< 9 / 37 > THE BANK

GDPR implementation project

28.1.2019 Data Protection Day

lpha Bank has completed the General Data Protection Regulation (GDPR) compliance project. The project covers all Banks that A are part of the Group except for Alpha Bank Albania, which operates in a country outside the European Economic Area, as well as the 16 biggest Group Companies (8 domestic and 8 International entities).

Indicatively, among others, the following were implemented:

• The “Notification on the Processing of Personal Data”, which is incorporated as a Contractual document along with the General Transaction Terms as well as the Customer’s Consent concerning any data processing for promotional activities and direct marketing (with or without profiling). • GDPR Policies and Procedures. • Privacy Policy and Cookies Settings on www.alpha.gr and the relevant Group Companies websites. • Drafting of the Group’s Standard Data Processing Agreement (contractual document) and signing of contracts with third parties (Data Processors). • The Record of Processing Activities (ROPA) and the conduct of Data Privacy Impact Assessment for every data processing activity which can cause high risk for the rights and freedoms of the data subjects. • Training to Employees of the Group (more than 9,000 Employees). • Reinforcement of Data Protection with further technical measures.

It should be noted that Alpha Bank was the only financial institution which on 25.5.2018, day when the GDPR came into force, issued, at a Group level, a Press Announcement for the enforceability of GDPR.

Moreover, the Group Data Protection Office contributed significantly in the GDPR implementation as per below:

• ceased to obtain data subject’s consent for credit assessment and credit risk rating (Credit Consolidation System and Credit Scoring) • limited the need to obtain consent for only one banking activity (promotion of services and products) • defined the Bank institutions as Data Controllers for banking operations concerning payments for Business Customers.

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GDPR IN NUMBERS (Alpha Bank Group)

Training Data Subject Rights requests Personal data breaches (number of Employees)

AB AB Cyprus London 704 78 700 12 11 618 600 10 AB 500 Romania 2,016 8 400 6 300 277 4 200 3 3 2 100 Subsidiaries 44 AB 1 15 Greece 0 0 543 Greece 0 5,945 AB Subsidiaries AB AB AB AB AB AB AB Greece Greece Romania Cyprus London Greece Romania Cyprus London

GDPR enforcement throughout EU: Imposed fines from 25.5.2018 until 31.12.2018 5,180 complaints submitted to the Data Protection Authorities 41,502 data breach notifications 50,000,000 EUR to Google for lack of consent in advertisements

Main reasons for the complaints: 20,000 EUR to a Social Media company which • Telemarketing failed to preserve its user’s data • Promotional emails • Image processing via CCTV. 5,280 EUR to a sports café for illegal CCTV monitoring

< 11 / 37 > THE BANK

G et familiar with the new Regulation (GDPR)

D emonstrate accountability concerning my duties

P rotect personal data

R eassure the reputation of the Bank

Group’s Data Protection Office

I receive information for the For any enquiry: I inform for incidents: Policy and Procedures: Group’s Data Protection Office

visit Alpha Bank Intranet +30 210 326 6965 +30 210 326 6972, 6978, GDPR General Data [email protected] 6962 Protection Regulation [email protected]

Personal data protection and the Bank’s compliance concern us all.

< 12 / 37 > THE BANK

Human Resources Division Development Centres

uman Resources Division has created the Development Centres since 2018. The aforementioned Centres are daily programmes that aim at the personal and the professional development of the Bank’s Employees, held at a special space designed for this purpose by the Human Resources Division in co-operation with the Procurement, Property and Security Division.

Bank’s Executives from the Human Resources Division, under the guidance of a specified Consultant, carry out the Programmes by using especially designed individual and team exercises. The Development Centres aim at developing the Bank’s Personnel critical skills as well as linking the Programme’s results to a series of development actions such as individual development plans, succession plans, training seminars etc.

Senior Executives of the Bank, under the guidance of a specialised contractor, have undertaken the implementation of the coaching programmes.

< 13 / 37 > THE BANK

Training Division Key training programmes in January 2019

The 2019 Semester A’ Training Programme

The Training Division, taking into account the corporate requirements as well as the comments of the trainees, updated the content of several educational programmes, while, in the context of the continuous improvement of the provided educational services, it also designed new programmess with emphasis on Business and Development of Administrative Capacity.

Apart from the class courses, there are also a large number of Web Based Training (WBT) courses. Moreover, enough courses are completed by distance learning (by e-mail). In total, 81 programmes are offered in a class, 40 WBT and four by distance learning.

Response from colleagues was great, for yet another year, as 2,940 requests were submitted. The Training Division will make any effort to fulfil the requests if the eligibility criteria for each programme are met. In addition, the preparation of the Executives and Employees, who will take part in the exams for the ’s Certifications and the Internal Certifications, will continue.

In January, a total of 28 training programmes took place, with the participation of 1,994 persons.

DAILY NUMBER OF TRAINEES DAILY USE OF CLASSES JANUARY 2019 JANUARY 2019

T W T F S S M T W T F S S M T W T F S S M T W T F S S M T W T T W T F S S M T W T F S S M T W T F S S M T W T F S S M T W T

< 14 / 37 > THE BANK • CULTURE

“Olive tree” at the exhibition entitled “George Zongolopoulos. The vision of public sculpture”

he Alpha Bank Art Collection granted the great sculpture by George Zongolopoulos T (1903-2004) “Olive tree”, which decorates the outdoor area of the Bank's Psychiko Branch (110), at the exhibition entitled “George Zongolopoulos. The vision of public sculpture” organised by the Stavros Niarchos Foundation Cultural Centre in collaboration with the George Zongolopoulos Foundation.

The Exhibition includes 20 , exclusively dedicated to public spaces. Sculptures on display on the 4th floor atrium of the National Library of Greece, are supplemented by maquettes and drawings, such as the “Monument of Zalongo”, the “ITF Sculpture”, the “Poseidon”, which was about to be placed at the Omonoia square, “Gorgopotamos Monument”, “Umbrellas” sculpture in Thessaloniki etc., while eight sculptures are also exhibited at outdoor areas in the Agora and the Rear Agora at Stavros Niarchos Foundation Cultural Centre.

“Olive tree” is the oldest chronological work of the Exhibition, crafted in 1974. Made of stainless steel, it measures 3x1.70x0.50 metres and weights two tonnes. It was removed from its base, the outdoor area of the Psychiko Branch, with a special crane and moved to a horizontal position until it was displayed on a special, low metal base next to an olive tree at the Exhibition place.

“George Zongolopoulos. The vision of public sculpture” Exhibition: January 28, 2019 – May 31, 2019 Opening Hours: Monday-Sunday 09.00-22.00 Stavros Niarchos Foundation Cultural Centre

< 15 / 37 > THE BANK • CULTURE

Numismatic Presentations for Lyceum students by the Bank’s Collection

Snapshot from the presentation to the students Snapshot from the presentation to the students of the 2nd General Lyceum of Kamatero. of the Evening General Lyceum of Aghios Dimitrios.

uring February, two presentations were delivered to Lyceum students by the Alpha Bank Numismatic Collection. The D students were initially informed about the history of Coinage, from the time of its appearance, in mid-7th century BC, until the introduction of the Euro in 2002.

The students showed particular interest in the choice of the iconography and the ancient minting technique, and they became acquainted with the international currencies that circulated during the Roman and the Byzantine period, as well as the currencies of the modern era. A special reference was made to the numismatic circulation of the newly-established Greek State, while a presentation of the banknotes that circulated since 1830 such as the Phoenix issued by Ioannis Kapodistrias took place as well. The students participated in a minting workshop of ancient coins, completed the magnetic charts of the numismatic timeline, while they also received educational booklets.

The first presentation was held on February 8, 2019, at the Bank's Educational Programmes Hall and it was attended by 35 students from the 2nd General Lyceum of Kamatero, while the second took place on February 25, 2019 at the presentation room of the Evening General Lyceum of Aghios Dimitrios and it was attended by 12 students.

< 16 / 37 > THE BANK • CULTURE

Human Resources Division Together… in Thessaloniki at the Exhibition entitled: “The Alpha Bank Collection. Greek Art from 1960 until today”

n Wednesday, February 13, 2019, the Human Resources Division held a special guided tour of the exhibition entitled O “The Alpha Bank Collection. Greek Art from 1960 until today”, for the Bank’s Employees in Thessaloniki. The guided tour was conducted by the Curator of the Alpha Bank Art Collection Irene Orati.

The Exhibition presents 41 works from the Bank’s Collection, that depict the evolution of contemporary Greek art over the past six decades, by distinguished Greek artists.

< 17 / 37 > THE BANK • CULTURE

Alpha Bank sponsored the opera “Simon Boccanegra”

T he Bank undertook the sponsorship of the famous opera “Simon Boccanegra” by the Italian composer Giuseppe Verdi.

In this impressive production of the Royal Opera House of London, Elijah Moshinsky, one of the most important opera directors worldwide, attempted an historical production inspired by the art and architecture of the Renaissance.

On Saturday, January 19, 2019, Alpha Bank held a Customer event at the Greek National Opera at Stavros Niarchos Foundation Cultural Centre, as part of its sponsorship, while Members of the General Management were also present.

< 18 / 37 > THE BANK • CULTURE

The publications “Domenikos Theotokopoulos. El Greco 1541-1614” and “ Peintres Grecs du dix-neuvième siècle ” will be sold by Alpha Bank at a discount of 40% throughout March 2019

lpha Bank offers the publications “Domenikos Theotokopoulos. El Greco 1541-1614” (Greek edition) and “ Peintres A Grecs du dix-neuvième siècle ” (French edition) at a discount of 40% throughout March 2019.

José Gudiol E.K. Frantziskakis Athens 1990 Athens 1957 Commercial Bank of Greece Commercial Bank of Greece Dimensions 28.5 x 23 cm Dimensions 28.5 x 23 cm 382 pages, 353 illustrations 160 pages Greek French ISBN 960-7059-00-X Price: Euro 18.00 Price: Euro 24.00

The Greek edition of the book by the Spanish art historian This publication constitutes one of the earliest studies in Greek José Gudiol constitutes the Commercial Bank of Greece’s literature regarding 19th-century Greek painters, whose work participation in the celebration of the 450th anniversary of the marked the beginning of Modern Greek during the years birth of the great Cretan painter Domenikos Theotokopoulos, following the War of Independence in 1821. The book presents better known as El Greco. Gudiol’s scholarly, well-documented some of the most important works created by 24 Greek and two text, written with great sensitivity and fluency, along with the foreign painters, all of them renowned representatives of Modern numerous illustrations provide the reader with a full picture Greek painting. of the life and work of El Greco, who is considered one of the greatest figures in European painting.

The Publications may be obtained either by visiting the “ALPHA BANK – CULTURE store” (40, Stadiou Street, ATHENS) and the e-shop www.alphapolitismos.gr/eshop or by placing an order via telephone or e-mail (tel.: +30 210 326 2465, e-mail: [email protected]).

For any further clarification or information, please contact the Alpha Bank Library at +30 210 326 2440 and 210 326 2446.

< 19 / 37 > THE BANK • CULTURE

The Alpha Bank Library Kiki Dimoula

iki Dimoula, an important poet of the second post-war generation, from Kalamata, was born on June 6, 1931 in Athens, K where she lives until today. Her family name is Vassiliki Radou. After completing her schooling, she worked as an employee at the Bank of Greece for twenty-five years, eight of which she spent appointed to the editorial team of the “Kyklos” newspaper, issued by the bank, where she published her own articles. In 1954 she married poet and civil engineer Athos Dimoulas with whom she had two children, Dimitris and Elsi. In 2002, she was elected a regular member of the Academy of Athens at the seat of Poetry; she was the third woman to be elected to the Academy. In 2015 she was named Emeritus Professor at the Department of Theology of the Aristotle University of Thessaloniki and in 2017 Emeritus Professor at the Department of and Literature of the National and Kapodistrian University of Athens. She is also president of the Kostas and Eleni Ourani Foundation, which is under the auspices of the Academy of Athens. She has received many awards and her poems have been translated in many foreign languages (English, French, Spanish, Italian, Polish, German, Swedish etc.).

< 20 / 37 > THE BANK • CULTURE

Kiki Dimoula first appeared in the literary scene in 1952, with the collection “Poems”, which she later withdrew. Since then she has published 14 poetry collections; the speech "O filopegmon mythos", which she gave at the Academy of Athens at her reception ceremony; a selection of prose works titled "Out of Plan"; her speech at the Archaeological Society in 2009; and a DVD titled "Meetings with Kiki Dimoula". She has been awarded the Greek State Prize twice. In 1972 she was honoured with the B’ Prize for the poetry collection “To ligo tou kosmou” and in 1989 with the A’ Prize for the collection "Haire pote". In 1997 she received the Kostas and Eleni Ourani Award by the Academy of Athens for the collection of poems "The Adolescence of Oblivion”. In 2001 she received the “Excellence of the Letters” award by the Academy of Athens for her body of work and the "The Grand Cross of the Order of Honour" by the President of the Hellenic Republic. In 2009 she was awarded the European Prize of Literature (Prix Européen de Littérature) by the “ Association Capitale Européenne des Littératures ”, while in 2010 she received the Greek State Prize for Literature, again for her body of work.

Dimoula’s language has an evolutionary process, with influences from Cavafy’s poetry in the beginning and figurative clarity as well as a highly resourceful invention and use of words as its main features. Other defining features of her technique are the personalisation of abstract concepts, the unusual use of common words, the ironic mood and the deliberate neglect of syntax. Her work is dominated by absence, damage, loss, loneliness and time, issues through which the poet's great existential anxiety emerges.

The Collection of the Bank’s Library includes a large number of works by Kiki Dimoula such as poetry collections and more.

Please click here in order to view the titles.

< 21 / 37 > CULTURE

The J.F. Costopoulos Foundation

Snapshot from the first presentation of the book on January 31, 2019.

he J.F. Costopoulos Foundation and Sissy Papathanassiou, Art Director of Analogio Festival, presented the book Τ “Analogio 2005-2017. Dramatic and Stage Writing in Greece”. This publication, in both Greek and English, demonstrates eloquently and vividly the successful journey of Greek playwriting in Analogio Festival, from its beginning in 2005 to this day.

It highlights the already historic course and the appeal of Analogio on a performing and research level. At the same time this book provides a forum for the theoretical approach of new plays in the form of staged theatrical readings, on the basis of their historical, social and artistic context, in Greece and abroad.

The first presentation of the book took place on January 31, 2019, in Athens, at the Amphitheatre of the Benaki Museum - 138 Pireos Street.

Speakers at the presentation were Hector P. Verykios, Director, The J.F. Costopoulos Foundation, Sissy Papathanassiou, art and culture historian, Art Director of Analogio Festival, Gonda Van Steen, Professor, Koraes Chair of Modern Greek and Byzantine History, Language and Literature, King’s College London, Platon Mavromoustakos, Professor, Theatre Studies Department, School of Philosophy, National and Kapodistrian University of Athens and Anna Karakatsouli, Associate Professor, Theatre Studies Department, School of Philosophy, National and Kapodistrian University of Athens.

Introduced and moderated by Meni Strongyli, editor of the English publication, Projects Manager of The J.F. Costopoulos Foundation.

The second presentation by Mrs Sissy Papathanassiou followed with success at the Sarajevo Winter Festival on February 8, 2019.

For further information about the publication and the presentations: tel.: +30 210 729 3507, +30 697 724 1106, e-mail: [email protected] and [email protected]

< 22 / 37 > CULTURE

The J.F. Costopoulos Foundation

rgyro Chioti with her theatre group VASISTAS, brought again “Apologies 4 & 5” by Efthimis Filippou, only for a few A performances, from January 28 through February 18, 2019, in St.Paul’s Anglican Church in the centre of Athens, with the kind support of The J. F. Costopoulos Foundation.

One judge. The theatre play of Efthimis Filippou is a lyrical and poetic text which attempts to wander about the internal geography of two people. A precipitation in the details that compose their lives. An undefined metaphysical leading figure who borrows elements from a school examiner, a police investigator and a psychoanalyst. Two examinees. A woman and a man at the same age. In the middle edge of their lives. They become voluntarily subjects examined either for social inclusion or exclusion. In an empty space and an undefined time, they review all the turning points that determined their lives until now. It is a moment of redefining and reviewing their past. A moment of reckoning with their memory.

“Apologies 4 & 5” was first presented in Athens and Epidaurus Festival 2016, in Parallèle -7 Festival, Bernardines th. Marseille (January 2017), Comédie de Reims, Reims, (February 2017), Théâtre de la Bastille, , (May 2017), SKG Bridges Festival, Museum of Modern Art, Thessaloniki (May 2018).

< 23 / 37 > PRODUCTS AND SERVICES

“4th Dine Athens” The top culinary event in Athens by Alpha Bank

he Customer Experience and Loyalty Division, in collaboration with the Bank’s Marketing and Public Relations Division, successfully T held, for the 4th consecutive year, the “Dine Athens” event by Alpha Bank.

During the event which ran from January 28 through February 13, 2019 -following a three-day extension granted due to popular demand- Athenians had the opportunity to sample and enjoy top culinary creations in more than 120 selected restaurants in Athens.

Specifically, all the restaurants offered specially designed prix fixe menus of €15, €30 and €60, following a 20% reduction, while Alpha Bank cardholders benefitted from an additional 10% discount. In addition, selected restaurants provided prix fixe lunch menus of €15 and €30, with an additional 10% discount for Alpha Bank cardholders.

< 24 / 37 > PRODUCTS AND SERVICES

This year’s event started with a dinner at the Fuga restaurant, where executives from the Bank’s business partners as well as Bank Executives were present.

In addition, during the 17- day event, nine separate themed events took place, in which someone could participate by booking online at www.dineathens.gr and purchasing a ticket.

Specifically: • 2 Global Stars Chef Nights, with award-winning Austrian chef Jacob Jan Boerma who has received 3 Michelin stars

• 3 Celebrity Chef Dining Experiences, at the top restaurants: o Varoulko Seaside, with the first Greek chef to receive a Michelin star, Lefteris Lazarou o Vezene, with well-known chef Ari Vezene o Parla, with the talented chef Thodoris Papanikolaou

• 2 Wine Tasting Journeys at Scala Vinoteca and Yoleni’s

• 2 Cooking Masterclasses with famous chefs Dina Nikolaou, Stelios Parliaros and Alexandros Papandreou.

The event was advertised through a communication campaign, featuring the main message: “Dine Athens by Alpha Bank, January 28 through February 10, Dining Out!”. Specifically, Dine Athens featured advertisements in Print Media, special presentations in weekly city guides and the Free Press, while extensive tributes were broadcasted in the evening news and in selected news shows of the main television stations.

There was extensive promotion on the radio as well, while the promotion on the Web and Social Media was also significant.

It should be noted that Dine Athens constitutes a successful event in the Greek hospitality market, which supports a significant number of businesses in Athens. More than 20,000 persons participated in last year’s event, while this year participation exceeded 30,000 persons. Snapshots from the “4th Dine Athens” events.

< 25 / 37 > PRODUCTS AND SERVICES

Bonus App. The Bonus experience in your mobile

lpha Bank has created the new mobile application Bonus App for smartphones, in order to provide its Customers with easy and A immediate access to the Bonus Programme, so that they can enjoy its benefits at any moment.

The new Bonus App focuses on the modern aspect of Bonus, as a tool with which Customers can enjoy the Bonus experience at any moment on their mobile phone. The TV advertisement, which was launched on February 8, 2019, presents every day moments of different people in the city and the interaction they have with the Bonus Programme through the Bonus App.

The application’s main features which are presented in the advertisement concern:

• The selection of favourite Bonus partners as well as unique offers in the area where the Customer is located • The monitoring of the Bonus points, so that Customers can know when they have reached the set goal • The detailed information of Bonus transactions history • The transfer of Bonus points to friends – Bonus Customers.

Moreover, in order to increase application downloads, the Programme awards the Customers with 2,000 welcome Bonus points, while for every invitation they send to friends, they will receive 1,000 Bonus points for each new download.

The communication was further reinforced with promotion on the Internet and the Bank’s Branches.

For additional information regarding the offer, please click here.

In order to watch the TV spot, please click here.

< 26 / 37 > CORPORATE SOCIAL RESPONSIBILITY

Alpha Bank included in the Bloomberg Gender-Equality Index

lpha Bank has been included in the Bloomberg Gender-Equality Index (GEI), one of the most important indexes for businesses A around the world, for its commitment to advancing women in the workplace.

At the data assessment that determined the Bank’s inclusion in the GEI Index, Alpha Bank was distinguished for its contribution to creating a work environment of equal opportunities for both men and women, as well as its policies, programmes and human resources benefits that are equally addressed to all Employees.

The Bloomberg Gender-Equality Index is one of the most comprehensive indexes on gender equality issues globally, and today it includes 230 companies around the world, two of which are Greek. It assesses listed companies from all sectors of the economy, in terms of transparency in gender reporting and advancing women in the workplace.

The GEI Index is a key source of information for the global investment community, at a time that a growing number of investors are incorporating Environmental-Social-Governance (ESG) data into their decisions.

< 27 / 37 > CORPORATE SOCIAL RESPONSIBILITY

Alpha Bank participates in the platform of Carbon Disclosure Project for climate change

n 2017, Alpha Bank disclosed on the Carbon Disclosure Project (CDP) platform the information required on its activities to deal with I climate change.

In 2018, the Bank's performance improved compared to the previous year (obtaining a score of “B-”), demonstrating its commitment to an environmentally responsible business activity...... Alpha Bank supports the educational programmes of the Thessaloniki International Film Festival

lpha Bank supports the educational programmes and activities of the Thessaloniki International Film Festival, held at the places of A the Festival and at the Cinema Museum of Thessaloniki, up to May, 2019.

The educational programmes are addressed to students of Primary and Secondary schools and aim at promoting media literacy amongst students of all ages, establishing an open and two-way, steady exchange between students and the industry of film as well as providing an incentive and framework in which young people can be creative in relation to film and filmmaking.

It should be noted that the educational programmes were designed by teachers and museum educators specialising in film education and they have been suitably adjusted to the features and goals of each age group.

< 28 / 37 > CULTURE SPECIAL • ART NETWORK

Vrasidas Tsouchlos Landscape-Leonidio, 1969 Oil on canvas 83 x 115 cm.

Edessa Branch (872)

rasidas Tsouchlos, always moving along the limits of figurative painting, was a particularly remarkable artist despite not V being very well-known. His rich work is divided in distinct periods and covers almost all themes: portraits, nudes, mythological and allegorical compositions. The fact that he came from Leonidio, in Arcadia, played a key role in defining the subject of his works, especially during the last stage of his artistic output (1965-1981), where he mostly turned to landscapes producing impressive results.

< 29 / 37 > CULTURE SPECIAL • ART NETWORK

Vrasidas Tsouchlos Landscape-Leonidio, 1969 Oil on canvas 83x115 cm.

The oil painting that belongs to the Bank’s Art Collection is a distinctive faraway view of the Arcadian landscape. The strict and artfully structured composition allows the audience to easily go through the three levels along which the painting is developed: the fertile plain with the olive trees in the foreground, the harsh mountains in the middle and, finally, the sky with the sparse clouds that completes the composition. The same austere approach defines the way that the artist deals with colour. The colour variations, dominated by cold blue, grey and green shades, are shaped in structured forms, which strongly reflect Cézanne’s work. Reality is rendered simply, without figurative details, but Tsouchlos does not go as far as to produce a purely abstract work. Besides, he was always in favour of what he called “the insurmountable value of figurative art, which is inextricably linked to the value of life”.

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VRASIDAS TSOUCHLOS CURRICULUM VITAE (Athens 1904-1981) H e embarked on painting and sculpture studies at the Académie de la Grande Chaumière in Paris, in 1921, with L. Simon and A. Bourdelle as his teachers and continued at the Académie Colarossi alongside P. Baudoin. He returned to Athens in 1929. In 1936 he became a member of the progressive “Art Group”. In 1949, together with sculptor Thanassis Apartis as well as other artists, he co-founded the “Painters and Sculptors” group and became actively involved in the organisation of the Art Chamber, of which he was president between 1948 and 1964. His painting developed along the lines of the so-called School of Paris, with a focus on design precision and colour separation.

< 31 / 37 > CULTURE SPECIAL • NUMISMATIC COLLECTION

Frame at the Xanthi Branch (900) Prefecture of Xanthi Abdera

bdera, one of the most important cities of Xanthi prefecture, built in a privileged position, with two harbors, were, in antiquity, A one of the most important cities of the northern Aegean. They were founded, in the 7th century BC, by settlers of Clazomenai, a Greek city in Asia Minor, while about 545 BC colonists arrived from Ionia’s Teos. However, mythical oikistis (founder) is Hercules, who founded the city in honor of his friend, Abderus, whom the wild horses of Diomedes savaged. The city soon reached to a great spiritual and economic flourishing, to which agriculture, livestock, fishing, and trade, contributed. In Abdera, were born pre-Socratic philosopher, Demokritos and the sophist Protagoras. Despite the spiritual life of the city, in antiquity Abderas’ citizens, considered fools and the so-called expression “abderitism” came to be regarded as foolishness. Obviously, however, the so-called “abderitism” was related to the frequent diseases of the region's swamps.

In 512 BC Abdera were overwhelmed by the Persians and later became a member of the Athenian Alliance, paying a high tax. In 350 BC were captured by Philip II of Macedonia and remained under Macedonian rule, until 198 BC. In 170 BC, they were destroyed and came under Roman rule.

Abdera have an impressive and rich coinage, a clear proof of the economic prosperity that existed in the city. The first silver coins were minted in the 6th century BC, with the dominant iconographic type of the griffin, the mythical creature with the lion's body, the head and the eagle's wings. Later, coins were circulated with a variety of iconographic types on the reverse and the display of the names of the eponymous magistrates. Particularly impressive is the representation of a dancing female figure on a coin, dating at the end of the 5th century BC.

< 32 / 37 > CULTURE SPECIAL • PORTRAITS FROM THE BANK’S HISTORY

Stratis G. Andreadis (1905-1989)

Work by Yannis Moralis (1916-2009) Oil on canvas 103 x 86 cm. Alpha Bank Art Collection Chairman of the Board of Directors of the Commercial Bank of Greece from 1952 through 1975 and the Ionian and Popular Bank from 1958 through 1975.

Stratis Andreadis was born in 1905 in Vrontados of Chios. It was the third of five children of the shipowner George Andreadis and Politimi Kakaris. After completing his schooling at his hometown, he enrolled at the Law School of the University of Athens. He obtained his degree in 1925 and then he studied abroad at the Law School of the University of Paris, where in 1932 he was awarded a Ph.D.

Upon to his return to Greece, launched his legal career and at the same time he focused on the academic field. In 1935 he was elected Professor of Administrative Law at the University of Thessaloniki and in 1939, Professor in the same subject, at the Higher School of Economics and Commercial Sciences in Athens. He had repeatedly been a Rector of the same Institution. At the same time, he developed a rich writing work and became a corresponding member of the French Academy.

In July 1939, he married Irene Alexandros Koryzis, with whom he had three sons. The outbreak of the Second World War and the loss of his father's only ship drive Andreadis into a decision to rebuild his broken family business. A guarantee for its operation in the shipping and international trade area is the acquisition in 1946 of two Liberty – type ships. Then its fleet expanded rapidly. A few years later, he was actively involved in the revival of the Union of Greek Shipowners (UGS) and during the period 1960-1974 he was President of the UGS.

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Photograph of Stratis G. Andreadis Alpha Bank Historical Archives - Photographic Archive

Since 1945, he has been interested in the transport sector by taking over the management of the Hellenic Electric Railways, which he maintained until 1974.

1952 was a noteworthy year for his career. That year he acquired the majority of the shares of the Commercial Bank of Greece and developed multidimensional land business. In 1957, he acquired the operations of Ionian Bank Ltd. in Greece, which was of British interests. At the same time, the Popular Bank was under the control of the Ionian Bank Ltd. In 1957, the Popular Bank absorbed the operations of the Ionian Bank Ltd. in Greece and thus created the Ionian and Popular Bank of Greece.

In 1962 he acquired the Bank of Piraeus and in 1964 the Bank of Attica, and in the same year he proceeded with the establishment of Investment Bank with the participation of large banks abroad.

Stratis Andreadis' business initiatives were expanded over the 1962-63 with the establishment of important industrial units such as the Phosphoric Fertilizer Industry, the Greek Juice and Canning Industry, the Ionian Hotel Enterprises, the Eleusis Shipyards and the Hellenic Industry of Sacks and Plastic Materials. All the aforementioned companies operated under the control of the Group of the Commercial Bank of Greece.

In 1963, Stratis Andreadis acquired the majority of the shares of the London based Commercial Bank of the Near East Ltd., which his heirs retained until the mid-1990s, when it was acquired by the Alpha Credit Bank.

Stratis Andreadis' business course in Greece was interrupted in the mid-1970s when the Group of the Commercial Bank of Greece was placed under state control. He passed away in Paris in 1989.

< 34 / 37 > GROUP COMPANIES

Alpha Bank Cyprus Ltd “Alpha Spend & Win” New Promotional Activity

lpha Bank Cyprus Ltd launched a new advertising campaign in January to promote “Alpha Spend & Win”, which enables A Alpha Bank Enter Mastercard, Alpha Bank Gold Enter Mastercard, Alpha Bank Business Mastercard, Alpha Bank Gold Mastercard and Alpha Bank CASHBACK Mastercard cardholders to take part in monthly draws and win many gifts, through purchases they make until April 30, 2019.

The campaign includes television, radio, online as well as outdoor advertisements, while the TV spot stars actor Vassilis Charalampopoulos.

In order to watch the TV spot, please click here.

< 35 / 37 > GROUP COMPANIES

Alpha Bank Albania SHA “Alpha Bot”

n order to support its Customers 24 hours a week, Alpha Bank Albania SHA created the Alpha Bot virtual assistant, the I latest innovation in the banking sector of the country. Alpha Bot acts as an integrated component of the Facebook platform and provides real-time responses to Customer requests for information in the Bank's official Facebook page via inbox.

It further shows the foreign exchange rate of the day, Branch locations, ATMs, POS network for card payments as well as other valuable information for Customers. Furthermore, based on the chat history, Alpha Bot suggests the most suitable financial product and solution for each Customer.

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Alpha Bank Albania SHA 10% cash back at selected merchants

he Bank’s Customers received 10% cash back with their American Express T Cards® at selected merchants during the two weeks of Valentines’ day.

The campaign included radio, online as well as outdoor advertisements.

......

0% disbursement fee for “Alpha Realize” and “Alpha Fix Realize”

new advertising campaign was launched in February, to promote the unsecured A consumer loans Alpha Realize and Alpha Fix Realize, featuring the main message: “You have desires! We got you covered”.

The campaign includes radio, online and outdoor advertisements and aims to inform Customers that the Bank can fulfill their wishes with 0% disbursement fee for the aforementioned loans.

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