“Together, for Better Health” CONTENTS

9 2018 • Issue 50

THE WORLD OF ALPHA BANK

SAMOTHRAKI

ANTIPAROS AGONI GRAMMI 2018 PROGRAMME GONIMI ΠΡΟΓΡΑΜΜΑ 2018 SKYROS

CHIOS

THYMAINA RHODES

KASTELLORIZO PAROS

LIMNOS

DONOUSSA

“Together, for better health” CONTENTS

IN FOCUS p. 3

ΤΗΕ ΒΑΝΚ

Alpha Bank distinguished by Deutsche Bank p. 6 Euro 500 million funding to SMEs with the extension of the Alpha Bank - European Investment Fund agreement through the COSME programme p. 7 “Greek Entrepreneurship: Prospects, Challenges, Strategy” series of Day Conferences p. 8 Customer Experience and Loyalty Division: Listening to the “Voice of Customer” p. 9 Alpha Bank participated in the 23rd Banking Forum organised by the Hellenic Management Association p. 11

9 2018 • Issue 50 CULTURE Numismatic Seminar for postgraduate students from Radboud University at the Alpha Bank Numismatic Collection p. 14 Alpha Bank Art Collection partnerships p. 15 The J. F. Costopoulos Foundation p. 16 The Alpha Bank Cultural Centre in Nafplio hosted the “Olympia Summer Academy 2018” p. 18 Human Resources Division: Together … at the National Library of Greece at the Stavros Niarchos Foundation Cultural Center (SNFCC) p. 19 The folio “Yannis Moralis” will be sold by Alpha Bank at a discount of 40% throughout October 2018 p. 20 The Alpha Bank Library: Antonis Samarakis p. 21

PRODUCTS AND SERVICES Alpha Residence Renovation: “Your home is talking. Listen to it!” p. 23 Editor: CORPORATE COMMUNICATIONS DIVISION 40, Stadiou Str. “Bleep app”: The first application in Greek banking enabling new Customers to register 102 52 ATHENS, GREECE and issue cards online p. 24 Τel.: +30 210 326 2413, + 30 210 326 2435 Fax: + 30 210 326 2439 New Enter Bonus Visa and Enter Bonus Mastercard® cards p. 25 E-mail: [email protected] [email protected]

Design - Production: GOD A.E.

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CORPORATE SOCIAL RESPONSIBILITY Alpha Bank supported the people affected by the fires in Eastern and Western Attica p. 26 The Bank supported the work of the Hellenic Fire Department p. 26 Collection of school supplies in Agrinio, Corfu, Livadia and Samos p. 27 “The defacements that hurt” p. 31 The Bank sponsors the Technical University of Crete’s TUCer group p. 32 Alpha Bank sponsored the EBEN GR student competition p. 32 “Together with the children at the Museum and the Theatre” p. 33 The Bank was a gold sponsor of the 24th Kalamata International Dance Festival p. 33 The Alpha Bank Group supported the Municipality of Psara p. 33

9 2018 • Issue 50 CULTURE SPECIAL ART NETWORK Chronis Botsoglou p. 34 ΝUMISMATIC COLLECTION Prefecture of Lesvos Mytilene p. 37 PORTRAITS FROM THE BANK’S HISTORY Charles Merlin p. 38

GROUP COMPANIES ABC FACTORS p. 40 Alpha Supporting Services p. 41 Alpha Bank Cyprus Ltd p. 43

Editor: CORPORATE COMMUNICATIONS DIVISION 40, Stadiou Str. 102 52 ATHENS, GREECE Τel.: +30 210 326 2413, + 30 210 326 2435 Fax: + 30 210 326 2439 E-mail: [email protected] [email protected]

Design - Production: GOD A.E.

< Contents > IN FOCUS

Together, for better health

lpha Bank’s Corporate Social Responsibility programme “Together, for better health” improves public health services on A Greek islands, by offering medical equipment and pharmaceutical supplies. The Programme was launched in 2014 and is carried out in collaboration with the non-profit organisation “AGONI GRAMMI GONIMI”.

The Programme’s main objective is to actively support health services by covering the medical and pharmaceutical needs of local health centres, as well as enhance the residents’ sense of security in terms of medical care. Hence, island residents will be able to meet their medical and pharmaceutical needs at local level and will not have to travel to larger islands for health reasons.

In 2018, medical and pharmaceutical equipment was delivered to the General Hospital – Health Centre of Limnos (16.4.2018), the “Skylitseio” General Hospital of Chios (20.4.2018), the “Andreas Papandreou” General Hospital of Rhodes (8.5.2018), the Samothraki Health Centre (18.5.2018), the Paros Health Centre (24.5.2018) as well as the Regional Health Centres of Antiparos (25.5.2018), Donoussa (6.6.2018), Thymaina (12.6.2018), Skyros (22.6.2018) and Kastellorizo (26.6.2018).

The Executive General Manager of the Greek Branch Network Isidoros S. Passas, the Manager of the Commercial Banking Division and the Business Centres Tilemachos Georgakis, the Manager of the Attica and Eastern Continental Greece Branch Division Georgios Rapanakis, the Manager of the Aegean Islands and Crete Branch Division Maria Papageorgiou, the Manager of the Small Business Banking Division Spyridon Rentetakos, the Manager of the Investment Portfolios Management Division Panagiotis Remoundos, the Manager of the Marketing and Public Relations Division Kyriaki Inempolidi, the Assistant Manager of the Attica and Eastern Continental Greece Branch Division Andreas Tzoumerkas, the Assistant Manager of the Aegean Islands and Crete Branch Division Vassilis Rizopoulos, the Assistant Manager of the Marketing and Public Relations Division Eleni Stergiou, the Head of Corporate Social Responsibility Sylvia Kourkouli, the Manager of the Rhodos Regional Retail NPE Workout Centre Meropi Linardou, local Branch Managers, Executives from the Aegean Islands and Crete Branch Division, Executives from the Marketing and Public Relations Division – Corporate Social Responsibility and, in certain cases, members of the local Branches’ Personnel, were present at this year’s deliveries of medical and pharmaceutical equipment to the aforementioned islands, on behalf of the Bank.

Since the Programme’s launch in 2014, 203,200 items of pharmaceutical supplies and medical equipment have been delivered to 42 islands to this day.

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Limnos Chios

Rhodes

Samothraki Paros

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Antiparos Donoussa

Thymaina

Skyros Kastellorizo

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Alpha Bank distinguished by Deutsche Bank

lpha Bank was distinguished by Deutsche Bank in the “EUR Operational Excellence Award” and “USD Operational A Excellence Award” categories, for the very high quality of STP-Straight-through processing in its payment orders.

Deutsche Bank, which has a global presence and international prestige, is one of the Bank’s main correspondents. Given its important position and its share in international payments, it has established an award ceremony for banks that it is working with and which demonstrate excellent performance, based on set criteria.

The Bank’s distinctions are the result of the high quality in the capital movements of the Payments Operations Division. The Division follows international practices, in accordance with the ISO 9001:2015 standard. It uses centralised and automated procedures in payment management, enabling the safe and effective processing of transactions that are large in terms of both number and size, at reduced operating costs.

In the constantly changing environment of international payments, the aim of the Payments Operations Division is to constantly improve the quality of capital movement, to maintain a high degree of automisation, to contain operating costs and to effectively manage risks.

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Euro 500 million funding to SMEs with the extension of the Alpha Bank - European Investment Fund agreement through the COSME programme

he total funding that Alpha Bank provides to Small and Medium-sized Enterprises (SMEs) through the “COSME – T Loan Guarantee Facility” programme now amounts to Euro 500 million, following the extension of the initial agreement by more than Euro 300 million, which was signed between the Bank and the European Investment Fund (E.I.F.), on August 28, 2018.

With the new agreement, Alpha Bank confirms its commitment to the support of Greek entrepreneurship, by providing liquidity to SMEs, in order to enhance their competitiveness, in the Greek and the international market.

Through its participation in the “COSME” programme, the Bank contributes to the successful implementation of the business plans of the SMEs that are eligible and covers their operational needs, with favourable financial terms and reduced collaterals.

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“Greek Entrepreneurship: Prospects, Challenges, Strategy” series of Day Conferences

n Monday, September 24, 2018, Alpha Bank successfully held a day conference in Serres, titled “Greek O Entrepreneurship: Prospects, Challenges, Strategy”, featuring the participation of representatives of Small Businesses, Freelance Professionals and local institutions.

The Manager of the Central and Northern Greece Branch Division Dimitrios Charizanis, the Manager of the Small Business Banking Division Spyridon Rentetakos, the Assistant Manager of the Business Centres Division Dimitrios Bousboukis, the Manager of the Thessaloniki Business Centre Symeon Keletzis, the Assistant Manager of the Central and Northern Greece Branch Division Dimos Apostolidis, the Assistant Managers of the Small Business Banking Division Georgios Agritelis, Efrosyni Zanika and Maria Karathanassi, Executives from the Marketing and Public Relations Division and the Small Business Banking Division as well as Managers and Executives from local Branches were present, on behalf of the Bank.

The Conference was held to further reinforce and develop consistent and long-term relationships with Gold Business Companies, contributing to the effective management of the business environment’s increasing challenges. The Manager of the Central and Northern Greece Branch Division Dimitrios Charizanis and the Manager of the Small Business Banking Division Spyridon Rentetakos spoke at the Conference.

Discussion focused on the prospects of the primary sector as well as its benefits regarding the tourism and manufacturing industry, in order to strengthen the particular region’s comparative advantages in terms of development. The best business practices that contribute to healthy entrepreneurship and boost competitiveness were also analysed.

The Alpha Agricultural Entrepreneurship series, which supports producers and businesses active in the agri-food industry, as well as the modern and flexible financing tools COSME, InnovFin, Business Restarting-Intermediate, the Framework Partnership Agreements and more, were presented as well.

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Customer Experience and Loyalty Division: Listening to the “Voice of Customer”

s part of the Customer Experience and Loyalty Division’s action plan and strategy, the 1st pilot “Voice of Customer” A (VoC) was held in the form of a Workshop.

The Workshop took place following the experience of just one Customer, who was invited to participate in order to talk about his experience with the Bank from the moment he asked to be sent, online, a Copy of the Contract as well as the Proof of Payment of his consumer loan, so that he could sell his car.

Through the experience of just one Customer, the Workshop produced 11 plans for improvement, which, when implemented, will improve the experience of all Customers who are facing similar issues.

The Workshop was also an introduction to the Customer Experience methodology, which focuses on the Customer, by analysing their “voice” and creating a structured record of their experience in the form of a “journey” that includes information about all stages of their interaction with the Bank.

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The aim is for the VoC Workshops to take place monthly and deal, each time, with one Customer issue, in the presence of the Customer involved. Each Workshop will present a specific course of action, while it will also review the progress of the previous VoC Workshops’ courses of action.

he Bank’s Executive General Manager Chief Digital Officer and Retail Banking Products Damianos I. Charalampidis, he Manager of the Organisational Planning Division onstantinos Timopoulos, the Manager of the Banking Operations egal Support Division Anastasia Petsinari, the Manager of the Mortgage and Consumer oans Division Ekaterini Michalopoulou, the Manager of the Information Security Division Rovertos Gkogklis, the Advisor to the Bank’s Management and Manager of the Customer Service Division Georgios outas, the Manager of the Business Proects Division asileios okkolis, the Manager of the Organisation Division onstantinos afiratos, the Assistant Manager of the Operations Division Nikoleta Boutserou, the Assistant Manager of the Greek Branch Network Division Georgios Andritsopoulos, the Assistant Manager of the Customer Service Division Markella Simoudi, assiliki Gardika from the Organisation Division, Executives from the Customer Experience and oyalty Division as well as the ice President Operations Greece, Middle East and Eastern Europe of First Data Mr. Nikolaos Parnassas participated in the orkshop.

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Alpha Bank participated in the 23rd Banking Forum organised by the Hellenic Management Association

he Bank participated in the 23rd Banking Forum titled: “The Banking industry in the global landscape”, which was T organised by the Hellenic Management Association. Bank and company executives as well as journalists attended the Conference, which featured speakers from Greek and foreign banks, IT and consulting companies. The Secretary General of the Hellenic Bank Association Mrs. Charoula Apalagaki and the CEO of the Hellenic Financial Stability Fund Mr. Martin Czurda were the main speakers. In the first part of the Conference, which focused on the new landscape regarding global payments, the Manager of the Financial Products Division Athanassios Pavlidis spoke on behalf of the Bank. Mr. Pavlidis analysed the international developments concerning the innovative Instant Payments, the new technologies regarding functionality and the subsequent changes on transaction practices. Furthermore, he discussed the solutions adopted at international and European level, as well as those implemented by the Greek IRIS interbanking system, stressing that the Pan-European SEPA Instant Payments platform, scheduled for early 2019, will provide new opportunities.

Athanassios Pavlidis.

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Finally, he talked about the Alpha Quick Transfer service, which enables Alpha Bank Customers who use Alpha Mobile Banking to make direct payments to all four systemic banks.

The second part of the Conference featured a discussion between the Chief Economists of the four systemic banks on the course of Greek Economy and the role of Greek banks. The Manager of the Bank’s Economic Research Division Panayotis Kapopoulos presented the perspectives and the main future challenges that Greek Economy will face, highlighting the importance of international competitiveness and the fiscal policy mix regarding sustainable development.

Panayotis Kapopoulos.

During the third part, which focused on security and business continuity, the Assistant Manager of the Organisation Division and Head of the Alpha Bank Group Business Continuity Stylianos Aronis presented the ways that the Bank, by implementing best practices and international standards (ISO 22301-Business Continuity Management System), complies to the new regulatory framework that applies to Business Continuity Management, which was reviewed following the publication of new directives by the European Banking Authority (i.e. EBA guidelines on Internal Governance, Stylianos Aronis. PSD2-Payment Services Directive etc.), the MiFID II (for the investment services) and the General Data Protection Regulation (GDPR).

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During the fourth part, which was about digital innovation and Fintech companies, the Manager of the Bank’s Digital Innovation Division Ioannis Papakostas talked about the evolution of the Fintech market, both globally and in Greece, the standard models of cooperation between banks and Fintech companies, such as the highly successful “Fintech Challenge 2017” held by the Bank, as well as the benefits that these collaborations can have. He ended his speech with predictions about the future Fintech landscape in Greece. Ioannis Papakostas.

In the fifth part, where new ideas and solutions provided by banks through modern products and services were analysed, the Manager of the Bank’s Alternative Networks Division Sotirios Kyriakos presented the applications that the Bank provides its Customers, such as Tap n’ Pay for contactless transactions and the my Alpha Wallet digital wallet, the first mobile application that enables new Customers to register with Alternative Networks without needing to visit a Branch (mobile onboarding). Mr. Kyriakos also said that Customers can submit documents through Sotirios Kyriakos. a web browser or a mobile phone, something that further confirms the Bank’s digital innovation.

Finally, it should be noted that the Assistant Manager of the Project Management Division Dr. Dimitrios Stamoulis was a member of the Conference Organising Committee.

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Numismatic Seminar for postgraduate students from Radboud University at the Alpha Bank Numismatic Collection

n Monday, September 10, 2018, postgraduate students from Radboud University in Nijmegen, the Netherlands, O accompanied by Professors Panagiotis Iossif and François de Callataÿ, visited the Alpha Bank Numismatic Collection. The visit was part of the “How to tackle ancient Greek Coinage” seminar.

During their visit, the students were initially informed about the history of the Bank’s Numismatic Collection, as well as the invention and the evolution of coinage. Professor François de Callataÿ then gave a presentation on “The gold coins of Alexander the Great”. At the end of their visit, students were introduced to the ancient minting technique and were able to “mint their own coin”.

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Alpha Bank Art Collection partnerships

Mykonos through the eyes of artists. From the Interwar period until 1960 The Alpha Bank Art Collection lent four works to the exhibition titled “Mykonos through the eyes of artists. From the Interwar period until 1960”, which was on display at the “Maria Igglesi” Municipal Art Gallery of Mykonos from July 3 through July 31, 2018.

The Exhibition featured works by prominent Greek artists of the Interwar period as well as more recent artists, many of whom found themselves on the island thanks to the foundation of the Athens School of Fine Art’s Art Station, in 1932.

Artists’ books from the 1960s The Alpha Bank Art Collection lent five books and one artwork to the exhibition titled “Greek artists and books, 1910-1967”, which was organised by the Athens Municipal Gallery, on the occasion of Athens being named “World Book Capital” for 2018. The Exhibition opened on July 19 at the Gallery’s Metaxourgeio Building and will be on display through October 21, 2018.

The Exhibition features exceptional samples of illustrated publications, which demonstrate the successful collaboration between authors and artists, in order to produce a complex yet comprehensive result in terms of form, structure and content.

Dimitris Mytaras, From the Contemporary to the timeless The Alpha Bank Art Collection lent one work to the retrospective exhibition titled “Dimitris Mytaras. From the contemporary to the timeless”, held at the Basil and Elise Goulandris Foundation in summer 2018 (July 1 – September 30, 2018).

Other than being a distinguished visual artist, Mytaras was also a poet, a talented set designer, a costume designer, an illustrator, a performance designer and a gifted teacher.

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The J. F. Costopoulos Foundation

he 8th Dance Days Chania International Contemporary Dance Festival (16-28.7.2018) was successfully held in the city of Chania, under the artistic direction of Sofia Falierou and the kind support of The J. F. Costopoulos Foundation.

The Festival hosted and presented once again the world of dance, with a programme of performances, video dance projections and site specific projects in theatrical and alternative venues, in neighborhoods, historical monuments and archaeological sites of the city. Audience and specialists enjoyed works from different geographic and social components.

In the context of this basic theme, there was held a conference with speeches of professors from universities in Greece and abroad, as well as multi-choice workshops addressed to professional dancers, students, but also to young children and to those who wished to study the body and movement dynamic.

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The civil non-profit company Musa Hellenica organised the second Contemporary Greek Music Festival (1-8.7.2018) on the island of Chios under the artistic direction of Eleftheria Lykopanti and with the kind support of The J. F. Costopoulos Foundation.

It focused on Greek tradition as a source of inspiration to contemporary Greek composers, as well as on the composer Michalis Adamis (1929-2013) and his relation with Byzantine chants.

The 14th International Classical Music Festival of the Cyclades was also organised with the kind support of The J. F. Costopoulos Foundation in Ermoupolis, island of Syros (Apollo Theatre, 12-18.8.2018). Artists from different parts of the world presented masterpieces of chamber music, as well as opera arias, under the artistic direction of the violinist of the National Opera Giannos Margaziotis.

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The Alpha Bank Cultural Centre in Nafplio hosted the “Olympia Summer Academy 2018”

he “Olympia Summer Academy”, jointly organised with the European International Studies Association (EISA), has been taking place in Greece for the past twelve years. It is a programme mostly addressed to postgraduate students from around the world, as well as researchers, young professionals and final-year university students.

The Bank’s Cultural Centre in Nafplio hosted the Programme for the third consecutive year. Participants had the opportunity to attend seminars on political sciences, international relations and philosophy of history at the Centre, whose halls were modified accordingly.

Academics from the National and Kapodistrian University of Athens, Panteion Univeristy, Queen’s University Belfast, the University of Oxford, the University of Chicago, the University of Sheffield, the University of South Wales, King’s College London and Harvard University lectured at this year’s Academy, which featured the participation of students from Greece and abroad.

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Human Resources Division Together … at the National Library of Greece at the Stavros Niarchos Foundation Cultural Center (SNFCC)

ollowing the two successful guided tours at the new premises of the National Library of Greece at the Stavros Niarchos F Foundation Cultural Center (SNFCC), an additional tour was held for the Bank’s Personnel on Thursday, September 13, 2018, due to great interest. The tour was conducted by Mr. Gregorios Chrysostomidis, from the National Library of Greece.

During the guided tour, participants had the opportunity to become acquainted with the history of the National Library of Greece, from its establishment until its transfer to the SNFCC, as well as its transition to the new digital era. They were taken on a tour along its premises and received information about the new services, such as the possibility of borrowing books for children and adults, as well as access and use possibilities.

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The folio “Yannis Moralis” will be sold by Alpha Bank at a discount of 40% throughout October 2018

A lpha Bank offers the folio “Yannis Moralis” (bilingual edition) at a discount of 40% throughout October 2018.

Edited by Vasilis Fotopoulos Athens 1988 Commercial Bank of Greece Dimensions 30 x 30 cm 600 pages 898 illustrations, 40 photographs Bilingual edition (Greek, English)

Price: Euro 33.00

Yannis Moralis is an emblematic figure in Modern Greek painting. He became a professor at the Athens School of Fine Arts at a very early age and taught the younger generations of Greek painters for years. This volume compiles and presents the rich and multi-faceted oeuvre of the artist, including paintings and portraits, drawings, prints and posters, sculptures and decorative interventions as well as stage and costume designs. Additionally, Moralis’ creative course is approached through appreciations written by Dimitris Papastamos, Manos Hadjidakis, Odysseus Elytis, Alexandros Xydis, Manolis Chatzidakis, Nikos Hadjikyriakos-Ghika, George Seferis and Karolos Koun.

The Publication 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.

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The Alpha Bank Library Antonis Samarakis

ntonis Samarakis, a prose writer of the post-war generation, was born in Athens, on August 16, 1919. Following his A graduation from high school, he studied at the Athens University Law School. He worked at the Ministry of Labour for many years, until his resignation in 1963, the same year that he married Eleni Kourebana. He later worked as an expert consultant on social issues at the United Nations International Labor Organization and in 1989 he was appointed Goodwill Ambassador of UNICEF, for the children of the world. Many of his books were translated in more than 30 languages, while works of his were adapted into movie scripts. In 1962 he received the State Short Story Award for his collection “Arnoumai” (I Refuse), while his novel “To Lathos” (The Flaw) received two awards, namely the Greek “Kostas Ouranis Prize” by the Group of Twelve in 1966 and the Grand Prix de Littérature Poilicière in France, in 1970. He also received the Europalia Literary Prize for his body of work in 1982 and became a member of the French Order of Arts and Letters in 1995. He held honorary degrees from the School of Philosophy’s Department of Philology at the University of Athens, the University of Patras and the University of Ioannina. He passed away on August 8, 2003, in Pylos.

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Antonis Samarakis first appeared on the literary scene in the early 1930s, when he published poems in the “Paidikos kosmos” (Children’s World) and the “Diaplasis ton Paidon” (The Education of the Children) magazines. He then published many short stories in “Nea Estia”, “Xekinima” (The Beginning), “Neoellinika Grammata” (Modern Greek Letters) and other literary magazines of that time. In 1954 he published his first short story collection, “Ziteitai Elpis” (Hope Wanted), which was followed by the novel “Sima Kindynou” (Alarm Signal) in 1959, the short story collection “Arnoumai” (I Refuse) in 1961, the novel “To Lathos” (The Flaw) in 1973 and the short story collection “To Diavatirio” (The Passport). After the fall of the dictatorship, he published texts dealing with political and social issues in daily newspapers and magazines, while he produced more works, including the short stories titled “I Kontra” (The Conflict) in 1992, his autobiography “1919-” in 1996 and the novel “En onomati” (In the Name of) in 1998. Samarakis’ work is defined by a perspective sharply focusing on people, while he also denounced society to a certain level. He hence showed his personal concern and stress regarding the evolution of the modern world, while his love for young people was particularly evident. He used a simple, unsophisticated language, with dense messages.

The Collection of the Bank’s Library includes a large number of works by Antonis Samarakis, such as novels, short stories and more.

Please click here, in order to view the titles.

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Alpha Residence Renovation “Your home is talking. Listen to it!”

n advertising campaign was launched in September on television and Print media, to promote Alpha Bank’s new programme A “Alpha Residence Renovation”.

Featuring the main message: “Your home is talking. Listen to it!”, the televised advertisement presents the “complaints” that a home in need of renovation is making to its owner. Meanwhile, it also demonstrates the main advantages the Programme provides to homeowners wishing to renovate their residence.

Specifically, the advantages portrayed are the following:

• The Programme’s beneficial financing terms, as it is available without a mortgage for amounts up to Euro 15,000 • The quick loan disbursement • The acquisition of 2 Bonus points for each Euro 1 of the loan, through the Bonus Loyalty Programme, so that Customers can furnish their renovated homes through the Programme’s partners.

Please click here, in order to view the TV spot.

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“Bleep app” The first application in Greek banking enabling new Customers to register and issue cards online

lpha Bank has launched the first mobile application in the Greek banking sector that enables new Customers to register (digital onboarding) and issue cards exclusively online, as part of the implementation of its digital transformation plan. The new application, called “bleep app”, is available on Android and IOS and is addressed to all individuals, regardless of the bank they are collaborating with.

The application makes use of the innovative image processing technology in order to identify new Customers and issue the bleep card, in just a few minutes. Other than the aforementioned technology, cards for the Bank’s existing Customers are issued even more quickly, if they are already using Alpha Web banking or my Alpha wallet.

Specifically, the bleep app provides the possibility for new Customers to register easily and quickly as well as issue a prepaid, reloadable MasterCard, exclusively by mobile phone, without needing to visit a Bank Branch. The bleep card is immediately available online and can be used for online purchases, while it is also sent by post in order to be used for purchases in stores. The card can be reloaded and managed through the bleep app, which features new management possibilities in terms of card security options, providing an overall exceptional experience to Customers.

In order to promote the “bleep” card, an advertising campaign was launched in September, featuring the main message: “Bleep. The only thing you need is your mobile phone”. The campaign promotes, through a youthful and modern movie,how easy and quick it is to issue a “bleep” card in just a few minutes, without needing to visit a Branch.

Promotional activities were also launched on the radio, Print Media and online.

Please click here, in order to view the TV spot.

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New Enter Bonus Visa and Enter Bonus Mastercard® cards

wo new modern products with innovative design, the cards Enter Bonus Visa and Enter Bonus Mastercard, were T launched in order to meet Customers’ needs in a more comprehensive way, with modern products and services.

With the new cards, cardholders can carry out all their transactions (purchases or cash withdrawals) by debiting their bank account, while at the same time they benefit from their participation in the greatest Bonus Loyalty Programme.

Specifically, all purchases carried out with the aforementioned cards in Greece, abroad and online result in the following Bonus points:

Euro 1= 4 Bonus points at the Programme’s Big Partners Euro 1= 2 Bonus points in partner businesses featuring the Bonus sign Euro 1= 1 Bonus point at any business in Greece and abroad

In addition:

• 5,000 welcome Bonus points with the first purchase carried out at any business (until 31.12.2018 and from that point onwards, 3,000 Bonus points) • Alpha alerts service free of charge • Access to the Alpha e-statements service • A comprehensive Purchase Protection Programme • A Legal Protection Programme • Contactless and Chip & PIN technology

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Alpha Bank supported the people affected by the fires in Eastern and Western Attica

lpha Bank, in order to offer immediate assistance to those suffering from the recent fires in Eastern and Western Attica, provided, A through its Corporate Responsibility activities, 800 items of clothing to the residents of the Municipality of Marathon as well as 600 items of medical and pharmaceutical supplies to the Municipality of Rafina.

In order to facilitate the repayment of housing, consumer and business loans, as well as cards, the Bank provided its Customers - Individuals who reside in the affected areas and Businesses that are active there and have suffered damage - with the possibility to suspend payments, interest-free, for up to twelve months. Customers can take advantage of the aforementioned possibility by submitting an application to the Branch they are working with, by December 31, 2018.

In addition, in order to restore, when possible, card transactions in the affected areas, the Bank is replacing the damaged POS terminals of its Business Customers who have suffered damage from the fire. It also undertakes any costs related to technical support or the rental of a new terminal for the next six months.

Furthermore, AXA Insurance provided immediate support to insured Bank Customers facing difficulties, ensuring short-term accommodation when needed, as well as an immediate down payment to cover initial expenses.

Finally, donations for the medical and psychological support of those affected by the fires can be made to the “Doctors of the World” Alpha Bank account...... The Bank supported the work of the Hellenic Fire Department

ecognising the social contribution of the Hellenic Fire Department as well as the harsh conditions that R its Personnel is called to face on a daily basis, Alpha Bank supported the Department’s efforts by donating Safety Devices.

Specifically, the Bank donated 502 fire helmets, in order to assist the Department’s daily activities, while the additional donation of a significant number of helmets is under way.

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Collection of school supplies in Agrinio, Corfu, Livadia and Samos

n Saturday, September 1, 2018, Alpha Bank organised social contribution events at Agrinio, Corfu, Livadia and Samos, O in order to collect school supplies for children living in Institutions.

With the participation of dozens of Bank Employees and Volunteers, a total of 95 cartons with school bags, notebooks and essential stationery were collected, many of which the Bank purchased from the “Callisto” Environmental Organisation for Wildlife and Nature.

The Bank offered the school supplies to children living in the Smile of the Child – Day Care Home in Kalyvia, Agrinio, the Smile of the Child – Corfu, the “EIDIKI PAIDEIA” Day Care Centre for Mentally Disabled Persons of the Holy Diocese of Thebes and Livadeia and the “I MELISSA” Association of Parents, Guardians and Friends of Children with Developmental Disabilities in Samos.

Agrinio

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Corfu

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Livadeia

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Samos

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“The defacements that hurt”

BEFORE AFTER

BEFORE AFTER

I n 2018, the “Defacements that hurt” programme traveled to Nafplio, to restore buildings and monuments in the city.

Specifically, the wall of the “Palamidis” Nafplio Public Library and the wall behind the statue of Constantine Kanaris were cleaned. Activities took place in collaboration with the Nafplio Library and the Municipality of Nafplio.

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The Bank sponsors the Technical University of Crete’s TUCer group

he Bank is a sponsor of the TUCer Group (Technical University of Crete eco racing), a Technical University of Crete research T programme that is working on the development and construction of zero emission street vehicles.

These vehicles, which use electricity and/or hydrogen as a source of energy, are also innovation platforms for the development and testing of new technologies in vehicle design, energy management, safety, autonomous driving and urban transport applications.

The TUCer group takes part in international competitions and is among the top four groups of its kind in Europe, having won six international awards over the past ten years.

The group’s work contributes to the development of new innovative products and the promotion of many Greek businesses, while providing quality training to its students.

......

Alpha Bank sponsored the EBEN GR student competition

lpha Bank, once again this year, sponsored the student competition organised A by the Greek branch of the European Business Ethics Network (EBEN GR).

The Network works to promote Business Ethics, Social Responsibility and Corporate Governance in the academic community as well as businesses and organisations in the private and the public sector.

During the award ceremony, held for the students who were distinguished in the competition, the Head of the Bank’s Corporate Social Responsibility Sylvia Kourkouli Snapshot from the award ceremony. presented an award.

< 32 / 43 > CORPORATE SOCIAL RESPONSIBILITY

“Together with the children at the Museum and the Theatre”

s part of the Bank’s Corporate Social Responsibility Programme “Together with the A Children at the Museum and the Theatre”, a Shadow Puppet Theatre performance took place for children living in the Lyreio Children’s Foundation.

At the end of the performance, where approximately 25 children participated, Executives from the Marketing and Public Relations Division – Corporate Social Responsibility offered them gifts.

...... The Bank was a gold sponsor of the 24th Kalamata International Dance Festival

he Bank was a gold sponsor of the 24th Kalamata International Dance Festival, where top Greek and foreign artists presented T their work to all of the city’s art-loving residents and visitors.

The Kalamata International Dance Festival is organised by the city’s International Dance Centre, which was founded in 1995 to promote dance production, research, education, creation and activities.

During its 23-year presence in the Greek dance scene, the International Dance Centre has succeeded in gaining its own special place and recognition and has significantly contributed to the development of artistic activities in the city and building its reputation.

...... The Alpha Bank Group supported the Municipality of Psara

he Alpha Bank Group’s Alpha Astika Akinita Company, in collaboration with the Bank’s Corporate Social Responsibility, T donated olive oil to the Municipality of Psara, supporting families in need. It should be noted that the Company carries out similar activities as part of Corporate Responsibility.

< 33 / 43 > CULTURE SPECIAL • ART NETWORK

Chronis Botsoglou Carpenter, 1992 Oil and graphite on wood 70 x 50 cm Coppersmith, 1992 Oil on canvas 70 x 50 cm

Kalogreza Branch (217)

hronis Botsoglou belongs to a group of artists who turned to person-centred art and realism, at a time when most C artists focused on more abstract art.

There are three things that stand out in his work, first and foremost his focus on people. Botsoglou has written that “The human body is the most beautiful thing that exists, the most moving”. Indeed, his works reflect an in-depth study of the possibilities regarding the depiction of the human body. The second distinctive feature of his work is the search for realism in all its art forms and the third is the creation of distinct units, with different titles that depend on each unit’s subject.

His work reflects the influence of different artists, such as George Bouzianis, regarding the perception of colour, image distortion and separation and mostly the introduction to expressionism, Alberto Giacometti, who broadened Botsoglou’s research on the human body and, finally, Francis Bacon, whose influence is evident in the neutral spaces that surround Botsoglou’s figures.

< 34 / 43 > CULTURE SPECIAL • ART NETWORK

Chronis Botsoglou Chronis Botsoglou Carpenter, 1992 Coppersmith, 1992 Oil and graphite on wood 70 x 50 cm Oil on canvas 70 x 50 cm

The Kalogreza Branch features two works by Botsoglou, titled “Carpenter” and “Coppersmith”, which belong to his “45 professions” series that was first presented in 1992. It is a series of portraits which, in essence, are variations of the artist’s portrait. Through these works, Botsoglou explores the social characteristics of certain professions and seeks to turn some images into values, through their symbolism.

Both of the Collection’s works are nudes, as is also the case with the rest of the series, while there is no indication of the occupation of the men portrayed; this is mostly achieved through facial features, colours and inscriptions. In addition, poems written by the artist have been inscribed on the back of the paintings. All of the above produce a challenging result and highlight the existing figurative elements, while both works reflect a harmony between each man’s profession and colour rendition. The carpenter is featured on a wooden surface and the coppersmith emerges from a red background.

The way that both men are portrayed overturns the objective perception of reality, as they are defined by outline, colour, painting material as well as elements of supernaturalism.

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Chronis Botsoglou (Thessaloniki 1941) CURRICULUM VITAE

e studied painting at the Athens School of Fine Arts H (1961-65) under Yiannis Moralis and continued his studies at the École Supérieure des Beaux – Arts in Paris (1970-72). In 1989, he was appointed Professor of Painting at the Athens School of Fine Arts, where he was also Dean from 2001 through 2006. Between 1971 and 1973, he was a member of the “Young Greek realists” art group and during the 1970s he produced works with clear anti-dictatorship messages. From the 1980s he has been focusing on portraits of his family and self-portraits, where he explores the mental state of his figures with a particular expressionist touch. His works are occasionally three-dimensional, made from materials like plaster and metal. He has illustrated poems by Dionysios Solomos, Titos Patrikios and others, while he has also published texts in magazines and newspapers.

< 36 / 43 > CULTURE SPECIAL • NUMISMATIC COLLECTION

Frame at the Mitilini Branch (601)

Prefecture of Lesvos Mytilene

ccording to legend, the first inhabitant of Lesbos was Makaras, son of Helios, who had five daughters: Antissa, Arisbe, Methymna, Issa A and Mytilene, who gave their names to the respective cities. Lesvos developed into a significant commercial centre of the eastern Aegean. The Mytileneans founded an important colony, Sigeion, on the trade route to the Black Sea. Due to its exceptional position, Sigeion soon draw the attention of the Athenians. Mytilene was one of the first members of the First Athenian League, from which it seceded in 428 BC and was consequently severely punished by the Athenians. Thanks to its highly strategic location, it attracted the interest of the great powers, Sparta, Macedonia and later the Ptolemaic Kingdom, until it was conquered by the Romans. In the 6th century BC, Lesvos enjoyed a remarkable cultural development, producing distinguished poets and musicians, such as Sappho and Alkaios. From the 6th century BC onwards, coins of electrum (an alloy of gold and silver) were issued on the island; in addition, silver coins soon circulated, depicting themes inspired by the island’s natural environment and religious tradition. At Mytilene’s mint, silver coins depicting Apollo god of music, and his attribute, the lyre, were issued.

< 37 / 43 > CULTURE SPECIAL • PORTRAITS FROM THE BANK’S HISTORY

Charles Merlin, 1821-1896

A drawing of Charles Merlin in newspaper To Asty No. 78, March 15, 1887

Inspector and General Manager of the Ionian Bank, from 1865 to 1891.

He was born in London in 1821, to French parents. His father, who came from an aristocratic family, was a keen supporter of the French Revolution; for that reason, following the restoration of monarchy in Paris in 1814, he had to flee France and move to London. Although little is known about Charles Merlin’s childhood, his school education was certainly of high quality, with foreign languages being a necessary addition to his school studies.

In 1839, when he was just 18 years old, he decided to leave London and embark on his professional career in Greece, working as a secretary at the British Consulate in Piraeus. His diplomatic career took off in 1846, when he was appointed unpaid British Vice-Consul in Piraeus. In 1865 he became British Consul in Piraeus, a position he remained in until 1887.

In August 1847, Merlin married Isabella Green (1822-1902), the eldest daughter of Philip James Green, British Consul in Patras. They had six children, but three of them perished at a very young age.

< 38 / 43 > CULTURE SPECIAL • PORTRAITS FROM THE BANK’S HISTORY

While working as a diplomat, Charles Merlin forged professional ties with the Ionian Bank and soon became a key personality in Greek economy. His relationship with the Bank started in March 1853, when he became Manager of the Ionian Bank’s Athens Agency. In 1865, one year after the Unification of the Ionian Islands with Greece, the London-based Ionian Bank’s Court of Directors appointed Merlin General Inspector and, shortly afterwards, General Manager.

From this position, Merlin contributed to various crucial issues affecting not only the Ionian Bank, but Greek economy overall: the suspension of banknote convertibility for the two issuing Banks and the forced circulation (1868, 1877), the agreement regarding the amortisation of the 1824-1825 national loans, the renewal of the Ionian Bank’s note- issuing privilege in the Ionian Islands (1880).

Letter by Charles Merlin to the Finance Minister Athens, September 30, 1877 Alpha Bank Historical Archives

All these years, Merlin maintained his position as British Consul in Piraeus; his consular reports, containing rich information and demonstrating a quality of judgment, are a valuable legacy.

Merlin’s business activities further included land investments. Making purchases in various areas of what was then the Kingdom of Greece, he acquired, over time, significant property.

Merlin retired from the diplomatic service in the summer of 1887 and moved to London permanently, together with his wife. Four years later he also resigned from his position as General Manager of the Ionian Bank. For the rest of his life, Merlin continued to offer his services to the Ionian Bank, as Director to the Court of Directors. He passed away on August 28, 1896.

< 39 / 43 > GROUP COMPANIES

ABC FACTORS ABC FACTORS distinguished at the “Diamonds of the Greek Economy Awards 2018”

he Alpha Bank Group Company ABC FACTORS was distinguished at the “Diamonds of the Greek Economy Awards 2018”, T an institution that rewards the country’s most active and healthy, growing companies.

Representatives of Greece’s political leadership as well as the best Greek companies attended the award ceremony, which took place at the Hotel Grande Bretagne.

The Managing Director and General Manager of ABC FACTORS Maria Raikou as well as the Business Development Manager Ioannis Pafliotis received the award on behalf of the Company.

< 40 / 43 > GROUP COMPANIES

Alpha Supporting Services International Certifications of Alpha Supporting Services

A lpha Supporting Services successfully acquired the following international certifications, by an accredited certification body:

- the ISO 27001:2013 for its Data Security Management System - the BS 10012:2017 for its Personal Data Management System - the Bureau Veritas Technical Standard related to personal data protection, for complying with the European Regulation ΕU 2016/679 (GDPR) regarding personal data protection.

It should be noted that the Bureau Veritas Technical Standard certification is the first one worldwide.

The aforementioned certifications round off the General Data Protection Regulation (GDPR) compliance actions. As a Data Processor, the Company’s role in the Alpha Bank Group, where it provides comprehensive IT services, is crucial.

The Company conducted a detailed deviation analysis regarding GDPR, which led to new adaptation actions that were procedural, technical, organisational and legal. Apart from their implementation, the Company further developed Management Systems for Data Security and Personal Data Management, in order to ensure its active compliance with the Regulation based on accountability, as well as its ongoing inspection by an independent third party.

The Data Security Management System, in accordance with the ISO 27001 standard and in line with the Group’s Data Security Framework, requires risk assessments for all of the Company’s data sources. Based on the results, risk measures are taken in order to keep the Company’s risk exposure to acceptable levels. In addition, the standard provides for a series of technical and organisational safety measures, which cover, among other things, access control, personnel safety, the development of IT systems, relationship management with suppliers and third parties, business continuity and compliance with legal and regulatory demands.

< 41 / 43 > GROUP COMPANIES

The Personal Data Management System in accordance with the BS 10012 standard and the BV Technical Standard related to personal data protection fully meets GDPR requirements regarding the conduction of a Data Privacy Impact Assessment, the creation of a Data Flow Map, the management of requests regarding the exercise of rights (access, opposition, portability, correction, deletion, restrictions, non-automated procedures), the information and management of consents as well as the management of complaints and breaches.

The successful certification assessment is proof of the effective application of the Management Systems, of legal compliance and, above all, the ongoing commitment of the Company’s and the Group’s Management to providing quality and effective IT services, fully in line with the existing regulatory and legal framework.

Alpha Supporting Services was founded in 2007 and is a wholly owned subsidiary of the Alpha Bank Group. It is the main IT provider for the Group’s Companies, in Greece and abroad. The Company is made up of fully qualified technical and administrative Personnel and provides modern and highly available IT structures. It has been certified in accordance with the ISO 20000-1, ISO 22301 and ISO 9001 international standards.

< 42 / 43 > GROUP COMPANIES

Alpha Bank Cyprus Ltd Alpha Bank Cyprus Ltd supported the “11th Corporate Social Responsibility Conference”

Left to right: the Manager of the Alpha Bank Cyprus Marketing and Public Relations Division Elena Constantinou - Riri and Irini Krasopoli from the same Division.

lpha Bank Cyprus Ltd was, once more, one of the Sponsors of the annual Corporate Social Responsibility Conference which took A place at the Hilton Park hotel in Nicosia.

At this year's Conference, experts in Corporate Social Responsibility and Sustainable Development, as well as market experts, analysed the 17 Sustainable Development Goals, Responsible Investments and Financing and the way that CSR is applied to the companies’ Supply Chain. They also discussed how large, small and medium-sized companies commit to interested parties, such as employees, consumers and suppliers.

The Conference provided Cypriot businesses with information on all the latest developments in Corporate Social Responsibility and on the ways with which they can make their CSR contributions more effective.

Bank Executives, Customers and associates attended the event...... Personnel Blood Donation Day his year, once again, Alpha Bank Cyprus Ltd held a Personnel Blood Donation Day, featuring the voluntary participation of the T Bank’s Personnel. The event was carried out in collaboration with the Blood Bank. Specifically, Personnel from the Bank’s Nicosia Prefecture took part in the Blood Donation, which was held on July 17, 2018.

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