4 2018 • Issue 46

THE WORLD OF ALPHA BANK CONTENTS

IN FOCUS p. 3

ΤΗΕ ΒΑΝΚ

The Bank participated in the 5th Digital Banking Forum p. 14 Evaluation survey on Alpha Web Banking p. 16 Procurement, Property and Security Division Annual Evaluation of the Equipment and Office Supplies Warehouse Department in accordance with the ISO 9001:2015 international Standard p. 17 “Greek Entrepreneurship: Prospects, Challenges, Strategy” series of Day Conferences p. 18 J.F. Costopoulos Foundation p. 20 Human Resources Division: New Application to update the Personnel’s personal data p. 21 Human Resources Division: Together … at the Museum of Cycladic Art p. 22 Human Resources Division: Together … at the National Museum of Contemporary Art p. 22 4 2018 • Ιssue 46 Human Resources Division: Together … at the National Theatre p. 22 Training Division: Key training programmes in March 2018 p. 23

CULTURE “MONEY. Tangible symbols in ancient Greece”: Lecture Cycle p. 27 End of the exhibition “MONEY. Tangible symbols in ancient Greece” p. 30 “Rare Books. The Alpha Bank Collection” p. 32 Educational Seminars by the Alpha Bank Art Collection p. 33 The Alpha Bank Numismatic Collection’s Educational Programme traveled to Switzerland p. 34 “Learning about the Library” p. 35 The publication “Greek Dress from Ancient Times to the Early 20th Century” will be sold by Alpha Bank at a discount of 40% throughout May 2018 p. 36 The Alpha Bank Library: M. Karagatsis p. 37

PRODUCTS AND SERVICES Editor: CORPORATE COMMUNICATIONS DIVISION Bonus Loyalty Programme: “Every Wednesday is Bonus Wednesday!” p. 39 40, Stadiou Str. p. 40 102 52 ATHENS, GREECE Alpha e-Commerce Τel.: +30 210 326 2413, + 30 210 326 2435 Energy Efficiency Programme II p. 41 Fax: + 30 210 326 2439 p. 42 E-mail: [email protected] Alpha Tourism Entrepreneurship [email protected] Alpha Agricultural Entrepreneurship: The “Agro-carta” is available once more p. 43

p. 44 Design - Production: GOD A.E. New Alpha Pinbysms service Unique offers at Shell gas stations! p. 45 Visa promotional activity – 2018 FIFA World Cup Russia p. 46

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CORPORATE SOCIAL RESPONSIBILITY Social Contribution activities by Alpha Bank p. 47 The Bank was a Gold Sponsor of the “Greek ‘Entrepreneur of the Year’ 2017” competition p. 52 The Bank supported the activity “Protect your Child from Electronic Crime” p. 53 “Earth Hour” p. 54 The Bank sponsored the Environmental Education Programme “Nature without garbage” p. 55 Alpha Bank supports the Goulandris Natural History Museum’s educational work p. 56 The Bank supports the work of the Panhellenic Animal Welfare Federation p. 56 Alpha Bank supports the programme “Child Trauma Prevention” p. 57 Alpha Bank supports the work of the Hellenic Breast Imaging Society p. 57 Alpha Bank supports the work of the “Lara” Guide Dog School Hellas p. 58 The Bank supports the work of the Therapeutic Riding Association of Greece p. 58 p. 59 4 2018 • Ιssue 46 “Together, for better health”

CULTURE SPECIAL ART NETWORK Pavlos (Dionyssopoulos) p. 60 HISTORY OF COINS Prefecture of Cyclades Tenos p. 63 PORTRAITS FROM THE BANK’S HISTORY Clearchos Th. Maneas p. 64

GROUP COMPANIES Alpha Bank Cyprus Ltd p. 65 Alpha Bank Romania p. 66 Editor: CORPORATE COMMUNICATIONS DIVISION Alpha Bank Albania SHA p. 67 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

Alpha Bank Group Executives Conference

n March 31, 2018, the annual Alpha Bank Group Executives Conference was successfully held at the Divani Apollon Palace hotel, with the participation of approximately 1,000 Group Executives.

The Conference opened with an address by Chairman of the Board of Directors of the Bank, Vasileios T. Rapanos, who initially welcomed all those present at this year’s event. During the past few years, he said, all Greeks live in extraordinary circumstances, but it is true that especially those working in the banking sector are experiencing a time of significant change, both in Greece and in Europe. At last year’s event, he had expressed his optimism that 2017 could be the year when our economy would escape recession and embark on a period of recovery – albeit small – and that the banking system would bounce back. However, economic developments only partially lived up to his expectations. In 2017, economic activity demonstrated an important recovery, following 8 years of recession and there was significant improvement in the fiscal sector, with the primary surplus exceeding its target. However, where the banking sector is concerned, improvement was almost marginal. The delay in the implementation of the auction programme and out-of-court settlement procedures stalled the improvement of the banking indicators and the banking system’s return to a normal pace.

It is true that, because of the high performance registered in the tourism industry in 2017, a slight improvement was noted in the banking sector, both regarding deposits and the reduction of NPLs. Yet a lot of time is still needed for banks to return to a state of relatively normal operation. Regaining trust in Greek economy and the banking system, he said, cannot be done easily, since, as we all know, trust is quickly lost and takes a lot of time to build. Our experience in Greece, but also from other countries, has taught us that regaining trust requires consistency, continuity and credibility

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in terms of policy and these are elements that need to be incorporated in our political system. Let us hope that after such a deep and prolonged recession, the political system and the citizens will realise that the great sacrifices carried out by the majority of the people and businesses will not be fruitless, if we continue the efforts to carry out the necessary reforms that will make the economy friendlier towards entrepreneurship and investments and more fair in terms of distributing burdens. It is a national need to provide the new generation with new opportunities and create a new framework that will reward creativity and hard work. In addition, state reforms and improvements in the operation of the public sector will particularly help those with low income, by improving the quality of state services such as health, education, social care and more.

Regarding the Bank, Mr. Rapanos said, 2017 was not only a year of hard work – something that we are used to – but also a period of significant change in many sectors, aimed at rationalising service operation as well as reducing the major problem of NPLs. This is the greatest challenge for 2018 and for the years to come. It is the great bet that we have to win, if we want Alpha Bank to play a leading role in the next few years. At the same time though, we must not forget the other aspect of banking, namely providing banking services. The new products, the new services and putting to use new technologies are among our priorities, in order to not only maintain our share in the market but also improve it. Times are difficult, competition is intense and the future cannot wait. We have to be ahead, if we want to take the leading position over the next few years.

He also provided information about the changes that took place in 2017 in the field of Corporate Governance and stressed that Alpha Bank has, by now, one of the most contemporary Corporate Governance systems, which is in full agreement with the directives of the European banking authorities.

Ending his speech, Mr. Rapanos said that although we have gone through some difficult years, we have so far succeeded in keeping the Bank high in the estimation of investors and the general public. However, the effort is not over, we have to go on. Finally, he expressed his pride and optimism about the future thanks to the devotion and hard work of the Alpha Bank Personnel, he once again thanked those present and wished them health, strength and a Happy Easter.

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The Bank’s Managing Director – CEO Demetrios P. Mantzounis then addressed the audience. After welcoming the participants, he reminded them that after approximately 40 years, the Alpha Bank Group Executives Conference takes place once again at the same venue. He expressed his pleasure about the significant difference in terms of the number of participants as well as the size of the Divani group, which is a significant example of a successful private company.

He then talked about the “Strategy Day” which took place recently, where he analysed the Bank’s strategy over the past few years, highlighting the constantly changing environment which heads towards directions that no one can predict. According to Mr. Mantzounis, the Bank’s survival strategy was defined by a constant redefinition of its targets. Maintaining and achieving operating performance as well as increasing the balance sheet indicators require intensive efforts, something that remains an unchanging constant for the Bank. The aforementioned, combined with flexibility and a realistic approach, have resulted in Alpha Bank being in the best position out of all Greek banks. At that point, the Managing Director thanked all those present, as this is a great achievement that belongs to them.

However, this success requires one more thing, namely a strong and closely knit management team which has continuity, consistency and stability. These are the factors that inspire trust, first and foremost among those working in this Organisation, as well as investors, the market and the wider environment, combined with team work, a value that the Group considers to be highly important and which is constantly fostered and encouraged.

Mr. Mantzounis then talked about some of the landmarks for the Bank, specifically the best performance it has always had in stress tests as well as AQRs, something that has consequently resulted in Alpha Bank having the lowest capital needs.

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He pointed out that the acquisition of other banks took place with great caution, strengthening the Bank’s position, while mergers that would have had a negative impact, were avoided.

Meanwhile, there has been no deviation in the restructuring plan agreed between the Bank and the European Commission – Directorate General for Competition, hence the Bank has increased its credibility and has proved that it always operates with integrity.

Regarding the three-year business plan, he stressed that the radical reduction of NPLs is the main priority. Other priorities include the diversification of funding sources, continuous cost control and efforts to bring profitability back to Southeastern Europe.

He further pointed out that operating cost has been reduced. Specifically, Mr. Mantzounis said that the Bank has the lowest cost to income ratio, that its financing from the eurosystem has significantly dropped and that it has the largest capitalisation in the market.

He talked about Alpha Bank’s advanced electronic banking services and the establishment of a new Division, exclusively dealing with digital technology and banking issues.

Finally, Mr. Mantzounis talked about meetings he recently had with business persons, who are active in Greece and abroad and who were optimistic regarding developments in their sectors.

Closing his speech, he expressed the hope that the Bank, economy and Greece will continue their upward course and he once again thanked participants for all that they offer to the Group on a daily basis.

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The Deputy CEO – Chief Operating Officer Spyros N. Filaretos then introduced the speakers from his Department. He said that the area that is under his supervision and which deals with operations, procedures and infrastructure, be it technological or other types of infrastructure, faces many simultaneous changes, big and small and he emphasised the dynamics of these changes.

He pointed out that there are three main changes, namely those demanded by the supervisory authorities, such as the PSD II European Directive, those resulting from technological development and those related to the competition.

He stressed the fact that technological change, which directly affects what customers require from a bank, many be quick and intense, small and marginal or big and very expensive to implement. Sometimes, changes interact and have unpredictable consequences, as was the case with the wide use of cards because of the capital controls. He also stressed that it is important for the Bank to always be ready, in order to deal with these changes in the best possible way.

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It is necessary to invest in IT and Digital Transformation, but also to make adjustments in operational structure. Summing up, Mr. Filaretos said that efforts to optimise management focus on the time, the shape and the cost of change and he highlighted, more than once, that making predictions is truly difficult.

He then said that the main points featured in the presentations of his Department’s speakers are the following: the three-year plan concerning computerisation, specifically the change of the core banking system, a project that will contribute to making Customer service faster and better in terms of quality. Regarding Digital Banking, the pilot projects under development in Branches ultimately aim at 70% - 80% of future transactions to be carried out without Tellers, namely at ATMs, APSs etc. Additionally, Customer Journeys, meaning the registration of Customer experience in the Bank in independent, completed cycles, fall under the same category and are expected to greatly simplify and improve Customer experience in terms of the Bank’s products and services. At the same time, the Bank pays particular attention to Customer Experience, which, from now on, will also affect target-setting, as this is what defines, through NPS (Net Promoter Score), what Customers think of the Bank so that they can recommend it to third parties. All this takes place at the same time as the constant cost-cutting efforts on all fronts.

Finally, he talked about Human Resources, paying particular attention to the Evaluation Sheets, which must reflect reality concerning each Employee, as this consequently reflects on the Bank. He also talked about the positive development of the gradual return to changes in remuneration, starting with a reward programme for Employees in the Branch Network and in Non-Performing Loans Centres. Additionally, he emphasised that efforts to trace talents and use them in the best possible way continue, while he also talked about the need to review the Bank’s Management Structure, in order to realistically depict the levels of responsibility.

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The Deputy CEO of Non-Performing Loans and Treasury Management Artemios Ch. Theodoridis was next, who started his presentation by pointing out the differences between 2018 and the first years of the crisis. The choices made by the Bank were mostly temporary and short-term, he said, dictated by the need to survive.

Today, increased visibility in the macroeconomic environment, combined with economic stabilisation, has improved our knowledge of how our Customers, Individuals and Businesses, behave.

The stricter supervisory framework, since 2014, has reduced our flexibility, but at the same time it has resulted in the modernisation of information systems. The improvement of the legal framework concerning NPL management is also significant, with the increase of online auctions and the full and substantial implementation of law 3869.

The aforementioned changes are leading us to long-term solutions, which will highlight the problems, making cooperative Customers sustainable and leading non-cooperative Customers to legal action.

According to Mr. Theodoridis, long-term, the next day for the Bank will be defined by the sustainable regulation of the largest part of the portfolio. Achieving these goals requires a twofold effort: towards the improvement of technological solutions and the increased participation of the Bank’s Network.

The Deputy CEO, Retail, Wholesale Banking and International Network George C. Aronis then shared his thoughts on his vision regarding the Bank over the next few years.

According to Mr. Aronis, technology will play a pivotal role in shaping the bank of the future, providing quick and cheap service. Nonetheless, he believes that people will continue to make a substantial difference and be Alpha Bank’s comparative advantage against its competitors.

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And since the Alpha Bank DNA really is different, Mr. Aronis expressed his optimism that the Bank will maintain its person-centred features in the future.

At the end of his speech, he encouraged all participants to think about what kind of bank they dream of. He expressed his confidence that it will be the kind of bank that will not only make them happy, but above all it will make customers and investors happy.

The General Manager – CFO Vassilios E. Psaltis spoke next. He compared the Bank’s position to that of the other systemic Greek banks and talked about how this dynamic affects the Group’s strategic priorities.

Specifically, Mr. Psaltis pointed out that the Bank continues to hold the best position in terms of quantity and quality of total regulatory capital, while, at the same time, it constantly improves its funding profile. While talking about the development and the goals regarding the reduction of NPEs by approximately Euro 30 billion by the end of 2019, he said that Greek banks have to use all tools available, in order to carry out this demanding plan.

Finally, Mr. Psaltis reminded that high operating profits are crucial in NPE management and the entire organisation needs to focus on the following three aspects: i) NPE Management, ii) Restoring healthy funding and iii) Maintaining operating profits.

Finally, the General Manager – CRO Spiros A. Andronikakis presented the new challenges the Bank is facing, in terms of the new accounting standard (IFRS9) and the Stress Tests.

Specifically, he elaborated on the main differences between the new and the old accounting standard (IAS39) and at the same time he analysed the credit risk areas affected. He then talked about the Stress Tests and the landmark dates for the Bank, analysing the Stress Tests’ macroeconomic aspects and their main differences in terms of methodology compared to the previous tests carried out in 2016.

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Once the members of the General Management completed their speeches to all those present, the Group Executives were split in groups, according to their area of responsibility, and gave presentations.

Workshop 1: Branch Network, Retail Banking Divisions Non - Performing Loans - Retail

Workshop 2: Non - Performing Loans - Wholesale Banking

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Workshop 3: Divisions, Group Companies in Greece and abroad

Workshop 4: Business Centres and Private Banking Centres

In order to read the presentations given by the Executives, please press here.

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On the occasion of the Alpha Bank Group Executives Conference, on Friday, March 30, 2018, an event for Group Executives from Regions around Greece and abroad, took place at the “Mythos” venue of the Divani Apollon Palace hotel, where Members of the General Management were present.

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The Bank participated in the 5th Digital Banking Forum

he 5th Digital Banking Forum, which was held on March 21, 2018, at the Divani Caravel hotel, with Alpha Bank as T the main sponsor, focused on the developments in digital technology and how these shape a new financial landscape.

Executives from the banking and insurance sectors who understand digital transformation and seek to broaden their know-how as well as Executives from businesses across all sectors, who are interested in the new financial trends, through which they will upgrade their operations, took part in the Conference.

The Bank had its own stand at the venue, where informative material about the new my Alpha wallet with Tap ‘n Pay was available, while Bank Executives spoke at Conference panels and workshops. Specifically:

• One of the speakers was the Manager of the Alpha Bank Small Business Banking Division Spyridon Rentetakos, who focused on the Bank’s initiative to support Small Businesses with the new “Gold Business Banking” Service, which stands out for its innovative practices, the digital tools as well as the added value that it provides to the Bank’s Customers – Businesses. In addition, as part of Alpha Bank’s longstanding strategy to upgrade Customer service, special mention was made of the tools available via tablet, which turn Bank Employees into close business partners, by providing services without needing to visit a Branch.

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• The Manager of the Alternative Networks Division Sotirios Kyriakos talked about the series of the Bank’s digital services, which put to use digital technology and are mostly addressed to Customers – Businesses. These are the Alpha Web Banking for Businesses, the Alpha Mass Payments and the Alpha e-Commerce upgraded services, which have been further reinforced, so as to provide better Customer service by improving Customer experience, more functionalities, automation and the possibility to change, based on current needs, whether these are related to daily banking transactions or to more specialised services and tools. The upgraded electronic services are useful and essential tools for every business, as they reduce time and cost, both for Customers and for the Bank.

• In addition, the new my Alpha wallet with Tap ‘n Pay was presented. It is the first application in the Greek market that allows Customers to make payments with their mobile phone to all POS terminals equipped with a contactless sign, in Greece and abroad. Special mention was made of the application’s functionality regarding online purchases that start from a computer and are completed even faster on the user’s mobile phone. Transactions with digital wallets and the use of smartphones as well as contactless transactions are of great interest and the Bank is powerfully moving forward, making all its digital services its priority and planning to further reinforce them over the next few years.

• The Digital Strategy Advisor Dimitrios Strongylopoulos talked about putting digital service channels to use in Branches. He focused on the Bank’s innovative initiatives, which are designed to improve Customer experience in Branches as well as make Customers and Employees “digitally active”.

• Specifically, the new Branch “digital zone” was presented, which includes an internal ATM banknote machine, an Automated Cash Transaction Centre (ACTC) and an Alpha Web Banking terminal with WiFi access, so that Customers can now carry out the majority of their daily transactions quickly and easily, without having to wait, either on their own or with the guidance of a specialised e-Advisor.

• Plans to replace and completely upgrade the Bank’s ATMs and ACTCs, which will provide Customers with new possibilities, new transactions and a more comprehensive coverage geographically, were also mentioned. Finally, as part of the new solutions available to businesses, the new exclusive deposit card for businesses and professionals, which helps business assistants/representatives save time at counters, was also presented.

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Evaluation survey on Alpha Web Banking

s part of the upgrade of the Bank’s digital services, the Personnel was asked to participate in the evaluation of A Alpha Web Banking, based on their experience, either from personal use or their Customers’ use. The initiative, jointly organised by the Alternative Networks Division, the Customer Experience and Loyalty Division and the Marketing and Public Relations Division, was held to collect information that will help redesign the award-winning Alpha Web Banking. A similar evaluation survey will soon be conducted, for Customers who use the Service. Its results will be taken into account, so that the new Alpha Web Banking environment can continue to effectively respond to the Customers’ contemporary needs and the demands of the times.

Specifically, more than 2,000 Employees participated in the survey, which focused on the Service’s usability, the level of satisfaction deriving from its use, its powerful features but also the features that can be improved. Participants also commented on similar services provided by the competition.

Providing Customers with a positive experience is a fundamental and timeless value for Alpha Bank. It is also crucial in setting the Bank apart and in its business development. The views expressed by the Personnel which have been registered, as a first step toward their integration in the new Alpha Web Banking, are very valuable in the digital transformation project.

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Procurement, Property and Security Division Annual Evaluation of the Equipment and Office Supplies Warehouse Department in accordance with the ISO 9001:2015 international Standard

he Procurement, Property and Security Division’s Equipment and Office Supplies Warehouse Department successfully Τ completed its annual evaluation, in accordance with the ISO 9001:2015 international Standard.

The evaluation was carried out by AJA HELLAS, an independent partner of Alpha Bank and one of the most distinguished institutions in matters of System Quality Certifications.

ISO 9001 is a management standard, which defines the correct operation and implementation of a Quality Management System.

The New ISO 9001:2015 Standard highlights Process Approach and Risk Evaluation in every procedure, as well as Process Improvements and Risk Based Thinking.

This year, the new challenge that the Department had to face was the smooth transition to the new ISO 9001:2015 Standard, where risk analysis and management are pivotal in taking action.

The Equipment and Office Supplies Warehouse Department of the Procurement, Property and Security Division:

• Is in charge of overseeing the correct operation of the areas where equipment and office supplies are stored. • Handles the collection, quality controls and storage of equipment. It also supplies Divisions, the Branch Network and the Group Companies. • Ensures that returned equipment is in good condition. It is also in charge of its redistribution to the Bank’s Units. • Schedules and coordinates transport. • Is responsible for clearing out equipment that is old or no longer functioning, in collaboration with the Units in charge, by compiling a Destruction Protocol. • Is in charge of providing equipment for Donations, as part of the Bank’s social contributions. • Is responsible for managing the Alpha Web Banking – Token system.

The Department is always working to meet Customer requests, look after the security of the Bank’s people and equipment, minimise operating costs, organise and conduct controls on the stored equipment, improve service quality as well as abide to and implement the standardised procedures of the Quality Management System.

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

n Monday, April 16, 2018, Alpha Bank held a day conference for Customers at Argostoli, titled “Greek O Entrepreneurship: Prospects, Challenges, Strategy”, where representatives of Small Businesses, Freelance Professionals and local institutions participated.

The Executive General Manager of Human Resources and Training Penelope Konidari, the Executive General Manager of the Greek Branch Network Isidoros S. Passas, the Manager of the Peloponnese, Western Greece and Ionian Islands Branch Division Emmanouil Kalloudis, the Manager of the Small Business Banking Division Spyridon Rentetakos, the Assistant Manager of the Hospitality and Island Enterprises Division Serafim Chryssikos, the Assistant Manager of the Peloponnese,

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Western Greece and Ionian Islands Branch Division Panagiotis Destounis, the Assistant Managers of the Small Business Banking Division Efrosyni Zanika and Georgios Agritelis, 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 initiative was held to further support and reinforce existing collaborations with Small Businesses, as their representatives had the opportunity to receive credible information from the Bank’s Executives and exchange views with them on all current issues. The Manager of the Peloponnese, Western Greece and Ionian Islands Branch Division Emmanouil Kalloudis and the Manager of the Small Business Banking Division Spyridon Rentetakos spoke at the Conference.

Discussion focused on the challenges as well as the opportunities of the Small Business market, while the best business practices that contribute to healthy entrepreneurship and enhance competition were also analysed. The Bank’s initiative to support businesses through the Flexible Financing Tools Business Restarting-Intermediate, COSME and InnovFin were also presented at the Conference. Through these programmes, the Bank provides funding with favourable terms and reduced guarantees to sustainable Small Businesses, in order to help them meet their operational needs, increase their competitiveness and achieve their development goals. At the same time, the Bank’s support to the tourism industry, through the Alpha Tourism Entrepreneurship series, was also discussed. It is a complete set of contemporary banking solutions and flexible financing tools, that fully cover the needs of businesses active in tourism.

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J.F. Costopoulos Foundation

From the left: Professor From the left: Petros Themelis Mr. Fanis Konstantatos and the Director of the and Professor Petros Themelis. J.F. Costopoulos Foundation Hector Verykios.

he J.F. Costopoulos Foundation, in collaboration with Τ Professor Petros Themelis and conservator of antiquities Mr. Fanis Konstantatos, carried out works to replace the signs highlighting its financial support to the Society of Messenian Archaeological Studies.

The Foundation has been supporting the work of Professor Petros Themelis and his team at the major archaeological site of ancient Messene from 1993 to this day. The support specifically concerns the restoration of the following monuments: Tower 17, the Gymnasium Propylon, Funerary Monument K3, the Arsinoe Fountain, the Messana Temple, the Agora Treasury, the Early Byzantine Basilica and the Asklepeieon Funerary Monument.

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Human Resources Division New Application to update the Personnel’s personal data

“Self-service” Saving Employee resources Support

Immediate system Application Procedure update Advantages Standardisation

Use of Updated technology Information and systems

he Human Resources Division, which aims at constantly improving the procedures and services available to the T Personnel, designed the application “Personal Data Update”.

The new Application is available at the Bank’s internal communication network, the Alpha Bank Intranet. It enables Employees to update, on their own, the following personal data:

1. Identity Card Details 2. Contact Details 3. Contact Details in case of emergency.

The Application achieves the following: • providing Employees with immediate support • replacing paper with an electronic procedure • saving resources • safekeeping updated information.

The Personal Data Update Electronic Application will gradually be enriched with additional sections.

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Human Resources Division Together … at the Museum of Cycladic Art

ollowing the success of the guided tours, in November 2017, of the exhibition “MONEY. Tangible symbols in ancient F Greece”, which was on display at the Museum of Cycladic Art, two additional guided tours were held on Thursday, March 22, 2018. The tours were conducted by the Curator of the Bank’s Numismatic Collection Dr Dimitra Tsangari, with the participation of 45 Employees overall...... Together … at the National Museum of Contemporary Art

n Wednesday, March 28, 2018, 30 of the Bank’s Employees had the opportunity to become acquainted with the National O Museum of Contemporary Art and enjoy a guided tour of the exhibition “Theorimata”, held by AICA – Hellas (the Greek section of the International Association of Art Critics). As part of the Exhibition, the Museum’s Curator and a member of AICA – Hellas Mr. Stamatis Schizakis first made an intro- duction to the Exhibition and then answered the questions of the attendees...... Together … at the National Theatre n Friday, March 30, 2018, Bank Employees were given pairs of tickets to watch Arthur Miller’s theatre performance O “A View from the Bridge”, at the National Theatre’s Main Stage.

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Training Division Key training programmes in March 2018

In March, a total of 63 programmes were held at the Bank’s Training Centres, at Aghios Stefanos and Thessaloniki, with the participation of 3,597 persons.

Specifically:

Technical Banking Programmes • Tellers Transactions Euro and FC • New Cash Transactions Officers (CTO) • Experienced Cash Transactions Officers (CTO) • Corporate Acts Implementation • CRO Gold (Basic) • CRO and Housing Loans • CRO and Investment Loans • CRO and Consumer Loans • Managers and Individual Customers (Mass) • Credit Analysis (BRO) • New BRO • Workout • International Trade (Values for Collection) • Letters of Guarantee

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Skills Improvement programmes • Management Principles for Branch Managers • Leadership • Customer service for loans • Customer service for Individuals • Co-operation and Team Work • Enhancing Positive Influence • Presentation techniques • Negotiation Skills • Time and Stress Management

Business Process Management Training Two educational programmes on “Business Process Management – BPM” were successfully completed, with the participation of 16 Employees from the Organisation Division.

The BPM programme is designed to constantly improve procedures, with the use of the best international practices, so that the Services available either to Customers or internally can respond to the Customers’ needs in the most productive and effective way, as well as meet the Bank’s high standards.

The programmes took place in February and March 2018, as part of the overall validation of the Bank’s existing procedures, in collaboration with the National Technical University of Athens. Apart from the theoretical training, participants were also trained in the “ARIS” application which the Bank uses for that purpose.

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Exams for the Bank of Greece investment operations Certificate (Bancassurance) Colleagues who had to renew their Bank of Greece investment operations Certificates dating from 2011 successfully completed their preparation. Overall, 208 persons participated in the March exams, while another 164 persons, who are now starting their preparation with exams on the Capital Market Legal Framework and Special Subjects a1, also took part. In March, the results of the February exams concerning Bancassurance Brokers, where 67 persons had participated, were announced, with a success rate of 70%.

Bancassurance Retraining and Recertification In March, Executives and Employees who had to renew their existing Bancassurance Certificates, were successfully retrained, for the fourth consecutive year.

Overall, more than 2,000 persons, having successfully completed the e-learning courses of Section A’ – Products which have been approved by the Bank of Greece, sat exams (Comprehension Test), from March 5 through March 8, 2018. The exams had the form of e-tests on the Alpha Bank Intranet, while the new platform that was used provided candidates with the flexibility to choose the day and time for their exam.

For those who were absent, the procedure was repeated in April, while at the end of May the programme will continue with Section C’ – Sales.

Additional information is available at the Training Division section of the Alpha Bank Intranet.

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9th In-House Master Programme Series

In House Master Programme In House Master Programme 2018 - 2019 2018 - 2019 Unit Studies Central Branches Economics Theoretical Services 68% 86% Sciences 32% 14%

The programme’s detailed demographic data can be found at the Training Division section of the Alpha Bank Intranet.

THE BANK • CULTURE

“MONEY. Tangible symbols in ancient Greece” Lecture Cycle

As part of the exhibition “MONEY. Tangible symbols in ancient Greece”, which was jointly organised by the Alpha Bank Numismatic Collection and the Museum of Cycladic Art, a Lecture Cycle took place at the Museum’s Auditorium, featuring three highly interesting lectures and presentations. Journalist Babis Papadimitriou was in charge of organising and coordinating the Lecture Cycle.

1. Money and Art (Thursday, February 1, 2018) Does art need money or could money alter the meaning of art and affect its autonomy? A number of key questions regarding the difficulty as well as the necessity of this relationship were presented, through examples mostly drawn from art history.

Speaker: Konstantinos Papageorgiou, Professor of Philosophy of Law at the UoA Law School.

Commentators: Dakis Ioannou and Yerassimos Yannopoulos, Partner, Zepos & Yannopoulos – Member of the Board of Directors at the Benaki Museum.

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2. Money and History (Thursday, February 22, 2018) From the very first ancient coins all the way up to the Bitcoin, money has always been considered as a measure of values, transactions and savings, having an impact on social life. That was the case even when money played a secondary role in economy, for example in rural societies which aimed for self-sufficiency – something that applies to the greatest part of history after the Neolithic period.

Speaker: Kostas Kostis, UoA Professor – Advisor to the Alpha Bank Management.

Commentators: Apostolos Doxiadis, Writer and Andreas Kakridis, Scientific director of the Bank of Greece Historical Archives.

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3. Money and Banks (Thursday, March 29, 2018) Money is part of daily life. A society without money is inconceivable. Since antiquity, money has been an institutional innovation of many civilizations: it liberates commerce, expands the scope of markets, it supports and urges the development of trust. It becomes a general symbol of value, with individuals and businesses using it for transactions or savings. Banks are responsible for its management and diffusion, while the state is a guarantor, using it for transactions and, at times, modifying its value. Social mores and regulations are formed according to the different perceptions of its ‘just’ use. Entire professions have been based on the latest uses of money. All the different forms money has had throughout history prove how old money is. From the ancient forms of money all through current ones -banknotes, cheques and plastic money - money types constantly evolve.

Speaker: Stavros Thomadakis, Professor Emeritus of Finance at the National Kapodistrian University of Athens – Chairman, International Ethics Standards Board for Accountants.

Commentators: Miranda Xafa, Economist, Scholar at the Center for International Governance Innovation (CIGI) and Konstantinos Loizos, Adjunct, National Kapodistrian University of Athens (Economics).

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End of the exhibition “MONEY. Tangible symbols in ancient Greece”

n Sunday, April 15, 2018, the exhibition “MONEY. Tangible symbols in ancient Greece”, which was jointly organised O by the Alpha Bank Numismatic Collection and the Museum of Cycladic Art, came to an end.

The Exhibition featured 85 coins from the Alpha Bank Numismatic Collection as well as 159 objects from 29 Archaeological Museums and Collections in Greece, two Museums in Italy, the British Museum and the Louvre Museum.

The Exhibition further featured the following parallel events:

- Guided tours for Employees, friends and Customers of the Bank as well as Organisations, Associations of Friends of other Museums, students and various other social groups. - Educational Programmes for Primary and Secondary Education students. - Educational Programmes for students attending special needs schools and blind persons. - Lectures by distinguished speakers.

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Overall, 10,362 persons visited the Exhibition, which opened on November 2, 2017. A total of 1,720 students from 76 schools attended the Educational Programmes.

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“Rare Books. The Alpha Bank Collection”

he Alpha Bank Library organises the exhibition entitled “Rare Books. The Alpha Bank Collection” at the Exhibition T Area of the Alpha Bank Main Building (12, Pesmazoglou Street and 40, Stadiou Street).

The Rare Book Collection of Alpha Bank comprises a number of rare publications, including works by classical authors (ancient Greeks, Byzantines and Romans as well as authors from other countries) dating from the 16th to the 19th century, works by European travellers who visited the broader area of Greece from the 17th to the 19th century as well as artistic publications illustrated by well-known Greek painters and printmakers of the 20th century.

The importance of these books is determined by specific parameters, such as their age, rarity, subject matter, the presence on the cover or among their pages of prints, maps and painted works as well as the material of the cover, which was usually leather and more rarely wood, fabric, metal, etc.

The Exhibition is accompanied by a Catalogue (bilingual Edition in Greek and in English) with explanatory texts about the featured books, along with photographs.

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Mrs. Marina Plati. Mr. Denys Zacharopoulos.

Educational Seminars by the Alpha Bank Art Collection

he Alpha Bank Art Collection continues its educational seminars, which are addressed to postgraduate students of the Athens T University History of Art Department. The Programme, titled “Visual arts in 21st century Greece”, is designed to provide students with a more specialised theoretical training, through eight monthly seminars, which started in November 2017 and will run through June 2018.

The fifth seminar of the series took place on Tuesday, March 6, 2018 and was delivered by Mrs. Marina Plati, Director of the Education Department at the Museum of Cycladic Art. Titled “‘The new museum’: Educational Programmes for children in a venue open to all”, the lecture focused on the educational activities organised by the Museum, which has been a leader in this field.

On Tuesday, April 17, 2018, the sixth seminar also took place and was delivered by Mr. Denys Zacharopoulos, art historian and art critic-Artistic Director of the Athens Municipal Gallery and other City of Athens Museums and Collections. Titled “Independent artists, Art Criticism and Art History: Crossing parallels, a timeline and a personal account”, the lecture dealt with the institutions that have been defining artistic creation over the years, such as the market for and the distribution of artworks, which contradict the role of the independent, free artist.

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The Alpha Bank Numismatic Collection’s Educational Programme traveled to Switzerland

ollowing a request placed by the Head of the “Greek for All / Grec pour Tous” association Mrs. Maria Kanavou, the F specially designed suitcase of the Numismatic Collection’s educational programme “Nomos-Nomizo-Nomisma” traveled to Lausanne, Switzerland, where it remained at the Association’s school from January through March, 2018.

First Grade, Fifth Grade and Sixth Grade students as well as Kindergarten students, under the guidance of their teachers, became acquainted with the history of ancient Greek coins, which is linked to the development of economic and political history in the ancient Greek world.

The children were thrilled by the Programme’s coin replicas and were pleasantly surprised to find out about the origins of the “glafka”, the ancient coin of Athens, which is a familiar 21st century emblem since it is depicted in the Greek one-euro coins. They learnt about the growth of trade and the Greek expansion to the Mediterranean and the Black Sea, they saw ancient Greek heroes, gods and demigods and got acquainted with important personalities, like Philip II and Alexander the Great.

According to the Grec pour Tous association’s school teachers Mrs. Maria Eleftheriou Kaparti and Mrs. Anna Avanidi, the Alpha Bank suitcase was an important educational experience for the Greek Diaspora children.

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“Learning about the Library”

he Alpha Bank Library organised in 2018 for the first time an educational programme entitled “Learning about the T Library”, which is addressed to students of Primary and Secondary Education and takes place at a specially designed space.

The educational programme presents the history of writing and libraries from antiquity until today, the greatest libraries of the ancient world as well as the importance and the operations of a modern library, placing greater emphasis on the Alpha Bank Library.

The students are offered a guided tour of the Library, they browse for books in its shelves, catalogue certain publications, participate in interactive games, answer questions and are also provided with the relevant educational material.

For participation requests or for any further clarification or information, please contact the Alpha Bank Library at +30 210 326 2440 and 210 326 2442.

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The publication “Greek Dress from Ancient Times to the Early 20th Century” will be sold by Alpha Bank at a discount of 40% throughout May 2018

lpha Bank offers the publication “Greek Dress from Ancient Times to the Early 20th Century” (Greek and English A edition) at a discount of 40% throughout May 2018.

Ioanna Papantoniou Athens 2000 Commercial Bank of Greece Dimensions 28.5 x 23 cm 312 pages, 412 illustrations Greek, English ISBN 960-7059-11-5 (English) ISBN 960-7059-10-7 (Greek)

Price: Euro 24.00

This book is the fruit of a long and systematic research into the history of Greek dress by Ioanna Papantoniou. In a simple but scientifically documented style, the distinguished stage and costume designer uses illustrations to bring to life the physical appearance and costumes worn by the populations who inhabited the Greek territory from the prehistoric period to ancient times, and from the Byzantine and post-Byzantine era to modern times.

The Publication may be obtained either by visiting the “ALPHA BANK – CULTURE store” (40, Stadiou Street, ATHENS) and the e-shop www.alpha.gr/alphapolitismos 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 M. Karagatsis

M. Karagatsis (Dimitrios Rodopoulos), one of the most prominent prose writers of the literary 1930s Generation, was born in Athens in 1908. He was the fifth and youngest child of Georgios Rodopoulos and Anthi Moulouli. He spent his childhood in different cities, including Larissa and Thessaloniki, as his family moved around frequently because his father was a bank manager. Once he completed his basic education, he enrolled at the Law School of Grenoble University, but eventually returned to Greece and continued his studies at the University of Athens, graduating in 1930. For seven years, he worked as a legal advisor at an insurance company and later in advertising. He married painter Niki Karystinaki in 1935 and in October 1936 their daughter was born. He passed away on September 14, 1960, at the age of 52, due to heart problems.

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In 1927, Karagatsis’ first short story, “Miss Nitsa”, was published in the literary magazine “Nea Estia”, after getting a distinction at a competition and in 1933 his first novel, “Colonel Liapkin”, was published. These were followed, in 1936, by “The Chimera” (the original name of “The Great Chimera”) and later “Junkermann”, two of his most well-known novels, which, along with “Colonel Liapkin”, make up a trilogy dealing with the failed attempt of three foreigners to adapt to living in Greece, an attempt that eventually leads the main characters to disaster. He wrote many more short stories and novels (“Yellow envelope”, “Nyhterini istoria” (Night story), “Oi listai sta prothyra ton Athinon” (Thieves near Athens) and more). His novella “Lost island” is a milestone in his work, standing out from his other works because of its symbolism and its deviation from realism. The author then sought inspiration in historical themes: the trilogy that consists of “The ruler of Kastropyrgos”, “Blood lost and gained” and “The last days of Michalos” follows the story of a family, from 1821 through contemporary times. He also attempted to write a three-volume historical work about the history of Greeks, but only completed the first part which concerns ancient Greece. He also published the fictional biography “Vassilis Laskos” and the satirical historical work “Sergios and Vacchos”. In 1958, he co-wrote the “Novel of the Four”, together with Angelos Terzakis, Ilias Venezis and Stratis Myrivilis. At the same time, he was working on a four-book series, but only managed to start the first one, “The 10”, which he focused on until his death and which was eventually left unfinished. Karagatsis is considered one of the most prolific contemporary Greek writers, having produced more than twenty literary works. Despite the weaknesses in terms of language and his rather sloppy literary style, he had a vivid imagination and a sound knowledge of the artistic trends of his time. His work falls into the category of realism and naturalism; he produced works with rich and interesting storylines as well as original fictional characters, where his interest in the psychoanalytic theories of the early 20th century is evident.

The Collection of the Bank’s Library includes a large number of books by M. Karagatsis, such as novels, novellas, short stories and more.

Please click here, in order to view the titles.

< 38 / 67 > PRODUCTS AND SERVICES

Bonus Loyalty Programme: “Every Wednesday is Bonus Wednesday!”

n Sunday, March 18, 2018, a new advertising campaign was launched on television, online and O on the radio, featuring the main message: “Every Wednesday is Bonus Wednesday!”, in order to further boost the Bonus Loyalty Programme.

For the needs of the campaign, a fictional character was invented, who is depicted with the letter “T” (which stands for ‘Tetarti’, the Greek word for Wednesday). The character in question reveals each week’s partner store, where Consumers can enjoy products and services by using half of their Bonus points.

The Programme partners who have already been featured are AB Vasilopoulos and BP while, during Easter week, the offer applied to all of the Programme’s Large Partners.

The Bonus partner offers continue, covering particularly popular categories of products and services.

In order to view the TV spot for AB Vasilopoulos, press here.

In order to view the TV spot for BP, press here.

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Alpha e-Commerce

iven that electronic transactions are rapidly gaining ground and that businesses turn to digital means in order to cover G their needs, the Bank provides e-shop businesses with the integrated e-commerce platform Alpha e-Commerce.

In order to promote the Service, an advertising campaign was designed and launched in Print Media and online, featuring the main message: “Serve all your online customers and get a Bonus reward”.

The campaign was designed to promote the unique qualities of the Alpha e-Commerce service, specifically the accessibility to all systems of payment (VISA, MastercardTM, American Express® and Diners Club), the possibility of paying with a digital wallet through the MasterPass service and the Bonus points reward for the business.

< 40 / 67 > PRODUCTS AND SERVICES

Energy Efficiency Programme II

lpha Bank supports the new Energy Efficiency Programme II and enables A its Customers to save energy and money.

The new Programme provides, under certain conditions, financial motives so that people can improve the energy efficiency of primary main residence, by making specific and selected interventions.

Benefits: • Funding up to 70% of the approved budget • 100% interest funding • Coverage of the energy inspector and project advisor cost • Coverage of the cost related to the management of the loan portfolio of candidates benefitting from the Programme • Coverage of the cost for any studies and approvals required by law in order to carry out the interventions.

Improvement works: • Installation of shell thermal insulation or roof insulation • Replacement of frames and installation of shades • Improvement of the heating and hot water system.

In order to accommodate Customers interested in the new Programme, the call centre 211 10 97000 which operates daily, 09:00 – 18:00 Mondays to Fridays, was created.

A key advantage of the new Programme is the offer of 35,000 Bonus points upon the issuing of a loan.

Finally, the Bank carried out an advertising campaign in Print Media, television and online, featuring the main message: “Upgrade your home to an Alpha energy saving category”.

< 41 / 67 > PRODUCTS AND SERVICES

Alpha Tourism Entrepreneurship

n advertising campaign was launched on television and online, to promote the A “Alpha Tourism Entrepreneurship” programme.

Focusing on meeting the particularly heightened needs of Small Businesses that are active in the tourism industry, the “Alpha Tourism Entrepreneurship” programme provides specialised solutions with contemporary products and services and at the same time rewards businesses with Bonus points. In addition, business persons can benefit from the new financing possibilities (TEPIX and COSME), so as to prepare for the tourist season in time and implement investment plans (Partnership Agreement for the Development Framework 2014-2020).

The televised advertisement, starring actor Vassilis Charalampopoulos, portrays the difficulties that tourism entrepreneurs face, as well as the solutions that are available through the Programme’s products and services. With a touch of humour and a summer attitude, the advertisement highlights the ways that entrepreneurs can gain time, ensure liquidity and cover their customers’ needs.

In order to view the TV spot, press here.

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Alpha Agricultural Entrepreneurship: The “Agro-carta” is available once more

ollowing an extension of the “Memorandum of Understanding” with the Ministry of Rural Development and Food, F the “Agro-carta” once more provides financing, for the new growing season. Apart from the percentage on the Basic Subsidy, a percentage on the “Green Reinforcement” (“Greening”) is also available to producers who are entitled to it.

The “Agro-carta” provides liquidity so that farmers can cover their production expenses at the moment they need to, as it enables them to: • Purchase agricultural supplies and other products related to agricultural expenses, at businesses equipped with POS terminals. • Make payments to the Greek Agricultural Insurance Organisation (ELGA), the Public Sector and pay the EFKA tax, as well as settle the electricity bills related to farming, the expenses related to the “ergosima” (labour wages) and the cost of applying for agricultural subsidies. • Withdraw cash up to and including 10% of the credit limit.

With the use of the “Agro-carta”, farmers additionally benefit from: • the possibility to negotiate discounts on the purchase of agricultural supplies, since they can make immediate payments, • the low interest rate, which, because of the six-month credit limit, minimises the real cost of financing, • an immediate full payment of the limit through the credit of agricultural subsidies, the lack of management expenses and the fact that no additional guarantees are required.

In addition, Alpha Bank, in collaboration with AXA Insurance, provides the holders of the “Agro-carta” with the “Personal Accident Insurance” programme free of charge, for the current growing season.

The Agro-carta is available under the terms and conditions agreed with the Ministry of Rural Development and Food.

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New Alpha Pinbysms service

n order to upgrade the services available to Customers, accommodate Bank Employees and reduce operating costs, I in early May 2018 Customers started receiving the PINs for all of their Bank cards through SMS messages, on their mobile phones.

The new Alpha Pinbysms service significantly improves the procedure and the time needed for Customers to receive their card PIN, whether it is a new card that has been issued or an existing card being renewed.

Bank Customers were informed about the new Service through copies of their monthly card bills, ATM screens and the www.alpha.gr and www.alpha.gr/cards websites.

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Unique offers at Shell gas stations!

lpha Bank, in collaboration with Shell, launched some unique offers for Energy Mastercard, Diners Club and A Dynamic American Express® cardholders.

Specifically, the aforementioned cardholders could win a 5% reward on the value of purchases carried out with their card at all partner Shell gas stations, until April 20, 2018.

In addition, they could also benefit from an offer of 9 interest-free instalments to purchase heating oil, until April 30, 2018.

Customers were informed about the offer through copies of their monthly bills, a newsletter, SMS messages, the www.alpha.gr/cards and www.dinersclub.gr websites and at Shell gas stations.

< 45 / 67 > PRODUCTS AND SERVICES

Visa promotional activity – 2018 FIFA World Cup Russia

lpha Bank supported, once again this year, the Visa promotional activity that was held as part of the sponsorship A to the 2018 FIFA World Cup. Specifically, all Alpha Bank Visa cardholders who carried out purchases with their card from March 1 through April 30, 2018, participated in a draw to win a Hospitality Package for 2 persons, enabling them to attend the World Cup Final that will take place in Moscow, on July 15, 2018.

In addition, the aforementioned cardholders had the opportunity to participate ten times in the draw, if they carried out their purchases using my Alpha wallet Tap ‘n Pay, at stores equipped with contactless terminals.

Customers were informed about the activity through copies of their monthly card bills, the www.alpha.gr/cards website, a newsletter, SMS messages and an advertising campaign launched online and on the radio.

< 46 / 67 > CORPORATE SOCIAL RESPONSIBILITY

Social Contribution activities by Alpha Bank

n Friday, March 23 and on Saturday, March 24, 2018, Alpha Bank, in order to support social organisations, carried O out different social contribution activities in Athens, Thessaloniki, Chania and Kiato.

Thanks to the participation of Bank Employees, a total of 565 cardboard boxes with food supplies and other essentials were collected. Apart from the aforementioned supplies, the Bank also offered 1,440 boxes of condensed milk.

The events took place at the ground floor of the Alpha Bank Main Building (40, Stadiou Street) in Athens, at the Egnatia Branch in Thessaloniki, at the Chania Branch and at the Kiato Branch, where Employees provided food and other supplies.

Overall, 130 Volunteers from the Bank were involved in the collection, sorting and preparation for distribution of the supplies.

The supplies collected were sent to the following organisations:

Athens - Hospice for Neuro-disability - Amymoni – the Panhellenic Association of Parents, Guardians and Friends of People with Visual Impairments and Additional Special Needs - The Ilion Municipality Social Grocery - The Holy Church of St. George, Elefsina Thessaloniki - The Greek Children’s Village - Filyro - Social Structures of the Municipality of Thessaloniki Chania - The Chania Municipality Social Grocery Kiato - The Sikyona Municipality Social Grocery

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Athens

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Thessaloniki

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Chania

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Kiato

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The Bank was a Gold Sponsor of the “Greek ‘Entrepreneur of the Year’ 2017” competition

he Bank was a Gold Sponsor of the EY (Ernst and Young) competition “Greek ‘Entrepreneur of the Year’ 2017”, T an institution that supports entrepreneurship and names the business persons who stand out.

The Competition is held to reward, promote and honour globally business persons who stand out for their high performance, their innovative thinking, their leadership skills, their dynamics in terms of development and their social sensitivity and who will be a leading force in economic growth over the next few years.

On Tuesday, March 27, 2018, the award ceremony honouring the winners of the Competition took place. Members of the Bank’s General Management, as well as Alpha Bank Deputy CEO – Retail, Wholesale Banking and International Network George C. Aronis, who was a member of the Competition’s jury, were present at the ceremony.

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The Bank supported the activity “Protect your Child from Electronic Crime”

he Bank supports the work of the non-profit organisation i-Dialogue and, specifically, the activity “Protect your Child T from Electronic Crime”, namely educational seminars that take place around Greece and are addressed to both parents and children. The main speaker at these seminars is retired Hellenic Police Lieutenant General, special researcher and analyst of electronic crime as well as Head of the Cyber Security International Institute (CSI) Mr. Manolis Sfakianakis.

The seminars are designed to inform and educate parents about electronic crime and the ways in which they can protect their children.

< 53 / 67 > CORPORATE SOCIAL RESPONSIBILITY

“Earth Hour”

or the 10th consecutive year, Alpha Bank participated in the “Earth Hour” initiative and on Saturday, March 24, 2018, F at 20.30, switched off the lights at its Main Buildings in Athens, Thessaloniki, Patra and Larissa as well as the Banknote Museum of the Ionian Bank in Corfu and the Alpha Bank Cultural Centre in Nafplio, for one hour.

“Earth Hour” is a public awareness campaign launched in 2007, in Sydney, Australia, where people were asked to switch off their lights in the evening, for one hour. It soon became one of the greatest global initiatives concerning climate change.

< 54 / 67 > CORPORATE SOCIAL RESPONSIBILITY

The Bank sponsored the Environmental Education Programme “Nature without garbage”

lpha Bank has been a sponsor of the Environmental Education Programme “Nature without Garbage” since 2003. A The Programme is designed to raise awareness and educate students, young people and adults on environmental issues, such as sustainability, natural resources management and waste reduction.

The Programme focuses on environmental awareness, team work, volunteering and joint activities between volunteers, Organisations and Authorities. It was designed and is coordinated by the Hellenic Society for the Protection of Nature, with the approval of the Ministry of Education, Research and Religious Affairs. It is addressed to teachers and Primary as well as Secondary Education students.

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Alpha Bank supports the Goulandris Natural History Museum’s educational work

or years, the Bank has been supporting the Goulandris Natural History Museum’s educational work. In 2018 F specifically, it supports the programmes “Plants and Insects”, “Vertebrates” and “Animals and Me”, which are addressed to Primary Education students......

The Bank supports the work of the Panhellenic Animal Welfare Federation

he Bank supports the educational programme “The cycle of violence, Child Abuse – Animal Abuse”. An initiative T of the Panhellenic Animal Welfare Federation, the Programme educates Hellenic Police Executives and focuses on child and animal protection.

Research has shown that there are strong links between animal abuse, child neglect and abuse, domestic violence and other forms of violence.

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Alpha Bank supports the programme “Child Trauma Prevention”

he Bank continues to support the programme “Child Trauma Prevention” in 2018, which is run by the Pediatric T Trauma Care organisation.

The Organisation holds presentations on accident prevention for children at schools, which are also addressed to parents and teachers. Presentations are adapted according to the age of the students attending, encouraging their active participation. It has been proved that proper and regular prevention can reduce the amount and seriousness of children’s accidents up to 50%. So far, 42,215 children as well as 3,040 teachers and parents have attended the Programme.

......

Alpha Bank supports the work of the Hellenic Breast Imaging Society

he Bank sponsored the 4th Educational Day Conference titled “Continuing Education in Breast Imaging: From the T basics to recent techniques”, which was held at the Aristotle University of Thessaloniki’s Research Dissemination Centre (KE.D.E.A.).

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Alpha Bank supports the work of the “Lara” Guide Dog School Hellas

or years, the Bank has been supporting the work of the “Lara” Guide Dog School Hellas. Founded in 2008, it is the F first school of its kind to operate in Greece. It trains groups of handlers and guide dogs, abiding to the highest international education standards in order to benefit both handlers and guide dogs, enabling them to move around safely.

The School is a member of the International Guide Dog Federation as well as the European Guide Dog Federation.

......

The Bank supports the work of the Therapeutic Riding Association of Greece

or years, Alpha Bank has been supporting the work of the Therapeutic Riding Association of Greece, which conducts F rehabilitation programmes for people with disabilities, in order to improve their quality of life and create prospects for their social integration.

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“Together, for better health”

he Bank’s Corporate Social Responsibility programme “Together, for better health”, embarked on Monday, April 16, Τ on its activities for 2018, with the delivery of medical and pharmaceutical equipment at the General Hospital – Health Centre of Limnos. Representatives of the Bank and the “AGONI GRAMMI GONIMI” organisation were present at the delivery.

Plans are also under way to deliver medical and pharmaceutical equipment and supplies to the following islands: Antiparos, Donoussa, Thymena, Kastellorizo, Paros, Samothraki, Skyros, Rhodos and Chios.

< 59 / 67 > CULTURE SPECIAL • ART NETWORK

Pavlos (Dionyssopoulos) La forêt, 1987 Diptych. Wire and fabric on wood, plexiglass box 252 x 243 x 6.5 cm.

Vrioni Branch (253)

ithout any doubt, the distinctive feature of Pavlos’ work is its originality. A deeply personal artist, he never joined W any of the innovative European art movements of the 1960s, despite spending so many years in the French capital. Although he delved into the dissociation from painting on canvas and the use of simple, daily materials, as did the Neorealists and their representative Pierre Restany, he himself has consciously chosen to remain independent.

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Pavlos has adopted the Neorealists’ (Nouveaux Réalistes, the European equivalent of American Pop Art) use of consumer goods and simple objects. He treats his subjects in a highly imaginative and skilful way, using magazine paper or, later, poster paper, cut into strips with a printing machine (massicot).

This particular way of working – the use of intense colours and the elaborate and complex combinations of paper – was followed by the artist’s black-and-white period, in the 1970s, when Pavlos started producing compositions with thin, metal fibres (dish scrubbers), which he then places inside plexiglass boxes. The Alpha Bank Art Collection’s work La forêt (The Forest) belongs to that category. It is a large diptych, where trees, placed one next to the other, appear in exaggerated forms. As they are isolated in a plexiglass box, they lose their actual capacity and operation and acquire supernatural dimensions. The artist, who lives and works in a purely urban environment, where alienation and isolation prevail, appears to seek a return to the natural environment and its essence.

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PAVLOS (DIONYSSOPOULOS) CURRICULUM VITAE

(Filiatra, Messinia, 1930) e studied painting at the Athens School of Fine Arts H (1949-1953), with Yiannis Moralis as his teacher. In 1954, he went to Paris after winning a French scholarship. He returned to Athens in 1955 and worked in advertising and in the theatre until 1958 when, upon receiving a three-year scholarship from the Greek State Scholarships Foundation (IKY), he traveled once more to Paris and settled there permanently. His career was influenced by the avant-garde atmosphere of the 1960s, especially the Nouveaux Réalistes and Pierre Restany, whose distinctive feature is the dissociation from painting on canvas and a turn to cheap, daily materials used in contemporary culture. His first solo exhibition was held in Paris (1964, Galerie J), signaling his collaboration with renowned galleries in Europe (Sonnabend, Iolas and more). His work has been presented both in Europe and the United States and has often gone on display in Greece as well, following his first solo exhibition in Athens (1971, Goethe Institut). In 1997, a large retrospective exhibition of his work was presented at the Macedonian Museum of Contemporary Art in Thessaloniki, which was also showcased in Athens, at the Athens School of Fine Arts ‘Ergostasio’ (Warehouse) venue.

< 62 / 67 > CULTURE SPECIAL • HISTORY OF COINS

Frame at the Tenos Branch (604)

Prefecture of Cyclades Tenos

egend has it that Tenos was named after its oikistes (founder), who had the same name. According to the prevailing view, L the name has its origins in the Phoenician word tannoth, which means snake. In antiquity, the island was also called Ophioussa, due either to its shape or to the numerous poisonous snakes that supposedly god Poseidon drove away from the island. During the 8th and 7th centuries BC, Tenos was under the control of Eretria. It was later captured by the Persians and afterwards joined the First Athenian League. Following the battle of Chaeronea in 338 BC, Tenos succumbed to the Macedonians until 200 BC, when Rhodes assumed its control. Later, it was conquered by Romans. The island was destroyed in 88 BC by Mithridates VI, the king of Pontus. During the 6th century BC, Tenos issued silver coins, where the image of Poseidon prevailed; the island also boasted a great temple honouring the god.

< 63 / 67 > CULTURE SPECIAL • PORTRAITS FROM THE BANK’S HISTORY

Clearchos Th. Maneas

Portrait from the “Athens Traders Association, 1902-2002. A chronicle of the collective history of traders” edition, Athens, 2002

Member of the Board of Directors of the Banque de Crédit Commercial Hellénique, from 1924 through 1945.

He was born in Athens in 1888, but his family was from Laconia. He was one of the closest associates of the Costopoulos family. Clearchos Maneas was a textile merchant and served as President of the Athens Traders Association from 1917 through 1921. At the end of August 1922, he was appointed Minister of National Economy at the Nikolaos Triantafyllakos government. From 1920 and until the end of the interwar period, he was actively involved in the management of the Athens Chamber of Commerce and Industry. He was elected President of the Athens Chamber in 1935, but was forced to resign by constituent act in July 1941.

Not long before that, upon the arrival of German troops in Athens, he was one of the twelve prominent Athenians whom the Germans demanded to be held as hostages, so as to guarantee the safe outcome of a large military parade. He was a Member of the Board of Directors of the National Bank for a long time and in March 1945 was elected Deputy Governor. He also served as General Manager and Member of the Board of Directors of Hellenic Wool Mills Co., Greece’s largest textile industry of the interwar period. His career path ran parallel to that of the Costopoulos family for a long time and in 1953, when Stavros Costopoulos submitted his resignation from the National Bank’s Governorship, Clearchos Maneas followed him.

< 64 / 67 > GROUP COMPANIES

Alpha Bank Cyprus Ltd

Alpha Bank Cyprus Ltd supported the 18th Annual Love Route he Bank, as part of its Corporate Social Responsibility activities, supported, once again this year, the Annual T “Love Route” that is organised by the “one dream one wish” Cyprus Association for children with cancer.

The “Love Route” biker tour took place all across Cyprus, from March 14 through March 18, 2018, to raise social awareness about the many problems that children and young people suffering from different types of cancer deal with. The event was also held to raise money to fulfil the wishes of ill children and young people, an activity that is part of the support that the “one dream one wish” Association provides to these children and their families.

...... Alpha Bank Cyprus Ltd supported the Cyprus Kidney Association or yet another year, Alpha Bank Cyprus Ltd was the Main Sponsor of the Annual “Awareness and Prevention Week on F Kidney Disease”, organised by the Cyprus Kidney Association.

The week featured several informative presentations, speeches and discussions, with the participation of nephrologists, in media. At the same time, a fundraising event took place all across Cyprus, to raise money for the Association.

...... The Alpha Bank Cyprus Ltd team participated in the 12th International Limassol Marathon

he Bank, as part of its Corporate Social Responsibility programme, participated with T a team of 60 runners in the 12th International Limassol Marathon, which took place on Saturday, March 17, 2018.

Specifically, the Alpha Bank Cyprus Ltd team took part in the 5 km. Corporate Race and ranked 35th out of the 205 companies that participated, featuring approximately 10,000 runners.

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Alpha Bank Romania Alpha Shop marketing campaign distinguished at the Visa Romania Annual Forum

lpha Bank Romania’s marketing campaign for the Alpha Shop programme received the “Best Card Communication A Campaign” prize at the Visa Romania Annual Forum, which took place on March 29, 2018.

The innovative Programme, which was launched in October 2016, rewards Customers who make purchases using cards that have been issued by the Bank and enrolled in the Alpha Shop. Depending on the types of purchase and the cards they use, Customers are subsequently rewarded with points and go on to win free products and services or major discounts at the Programme’s Partner stores...... Alpha Bank Romania participated in the Timisoara Real Estate Fair

lpha Bank Romania participated in the second Timisoara Real Estate Fair, which A featured 200 new residential complexes that are either already complete or will be completed in the near future.

Interested parties were welcomed by Employees of the Timisoara Branch, they were informed about the best deals available and the benefits included in the Bank’s housing loans.

...... Alpha Bank Romania sponsored the National Mathematics Olympiad 2018

lpha Bank Romania sponsored the National Mathematics Olympiad 2018, A whose final took place in the city of Satu Mare. Romanian adolescents with the best performance in sciences participated in the Competition, while some of them will go on to represent Romania in Balkan and European competitions.

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Alpha Bank Albania SHA

Alpha FIX Housing Loan

n order to promote the Alpha Bank Albania SHA “Alpha FIX Housing Loan”, an I advertising campaign featuring the main message: “Step by step” was launched on March 16, 2018.

The campaign, which ran on television and online media and further included outdoor advertisements, focused on the product’s low initial cost, due to the low fixed interest rates for 1, 2 and 3 years, starting from 1.8%.

......

Alpha Bank Albania SHA supported the “Different weekend” Organisation

lpha Bank Albania SHA, as part of its support of the “Different weekend” Organisation, was the sole sponsor for the A construction of a home to house a six-member family living in poverty. The new house is fully equipped, so that the family can enjoy all modern comforts.

Media representatives as well as Bank Executives were present at the ceremony where the house was delivered to the family. to offer, through its Corporate Social Responsibility Programme, support to families in need.

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