Compliance & Corporate Governance Division

Board of Directors CVs

1. Mr. Konstantinos Mitropoulos, Chairman of the Board, non-executive member

Costas Mitropoulos was an Executive Board Member of PwC Greece, responsible for developing the Advisory practice. In his role, he has advised Greek banks on strategy, operations and handling NPLs and many corporates on strategy business restructuring and M&A deals. He has also served for five years on PwC EMEA Financial Services Advisory Board. In 2016 and 2017, he was seconded as Chief Executive Officer at PQH, the Single Special Liquidator of 16 failed banks, with a balance sheet of about €9bn, 350,000 debtors and more than 400 staff, supervised by the Bank of Greece. He instituted novel ways for improving recoveries from bad debts and raised the recovery rate. PQH is an affiliate of PwC. Costas Mitropoulos was in 2011 and 2012, the first Chief Executive Officer of the Hellenic Republic Asset Development Fund, the privatisation agency. He set it up, staffed it and prepared 18 transactions. He le to completion three of them raising ca €1,2 bn. Between 2008 and 2011, Costas Mitropoulos was the Executive Chairman of Eurobank EFG Equities, the largest investment banking outfit in Greece and the Head of Investment Banking and Capital Markets in the Eurobank EFG Group. He managed operations in Greece, Turkey, Romania, Bulgaria and Serbia. He advised many clients and concluded a number of transactions. Costas Mitropoulos has been the founder in 1988, and up to 2008, the Executive Chairman of KANTOR Management Consultants S.A., a leading consultancy in Greece with offices in London, Brussels, Warsaw, Bucharest and Sofia. He worked extensively on strategy, organisation, privatisations and public policy. He started his career as a management consultant with Coopers & Lybrand in the UK, where he was involved in privatisations and energy and transport projects. He has been a member of the Board of Directors of the Athens Stock Exchange for six years, a board member of a number of EFG Eurobank subsidiaries, board member of CNL Financial Services in Cyprus and Logic DIS in Greece and a long standing member of the Global Advisory Council of the London Business School. He was a Vice President of the British Hellenic Chamber of Commerce and the Entrepreneurship Association and is currently co-chair of the Greek British Symposium. Costas Mitropoulos is a mechanical and electrical engineer from the National Technical University of Athens, with post graduate studies in Business Administration and Economics, holding an ΜSc from Imperial College and a PhD from the London Business School. He has published articles in scientific journals and in professional magazines and newspapers. He is the author of numerous professional studies.

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2. Mr. Konstantinos Makedos, Vice-Chairman of the Board, non-executive member

   Attica Bank Vice President Konstantinos Makedos has been President of the Engineers and Public Works Contractors Fund (EPWCF) since its establishment on 1/1/2017. During his presidency, the EPWCF became a full member of the European Association of Guarantee Institutions. In addition, following a positive recommendation by the Bank of Greece, the Fund was evaluated and approved by the European Central Bank (ECB), as a qualified shareholder of special participation in financial institutions in Greece and Europe. It is noteworthy that in the EPWCF earnings were recorded since its very first financial year of operation, by applying the International Financial Reporting Standards to the annual report of financial statements, while the Entity completed its digital transformation in a very short time. Mr. Makedos served as Vice President of the Unified Insurance Fund of Independently Employed until 2016, while for many years he was a member of the Management Committee of the Technical Chamber of Greece and responsible for the Financial and Insurance-Actuarial issues of the Chamber. Konstantinos Makedos is a civil engineer, freelance professional, public works researcher, shareholder and CEO of CONCEPT CONSULTING ENGINEERS Engineering Company S.A.

3. Mr. Theodoros Pantalakis, CEO, executive member of the Board

   He is a graduate of the University of Piraeus with a specialisation in Business Administration. From 1980 to 1991 he worked in ETΕΒΑ (National Bank of Industrial Development Investments) and also served as assistant General Manager in the Interamerican Group until 1996. In March 1996 he assumed the post of Deputy Manager of the National Bank of Greece until May 2004 when he became Vice Chairman in the Board of Directors of Piraeus Bank. From December 2009 to July 2012 he was Manager of ATE (Agricultural Bank of Greece) and a member in the Boards of Directors of big trade and construction companies. Since September 2016 he has been Chief Executive Officer in the Bank.

4. Mr. Ioannis Tsakirakis, Deputy CEO, executive member of the Board

   He studied Economics in the Athens University of Economics and Business and holds an MBA from the University of Athens. He has had over 25 years of experience in the banking sector (National Bank, Piraeus Bank, Geniki Bank) as well in portfolio management companies. In September 2015 he became Head of the Non-Performing Loans Management Department of Attica Bank and in September 2016 he was elected executive member of the Board of Directors of the Bank as Deputy Chief Executive Officer.

5. Mr. Antonios Vartholomeos, Deputy CEO, executive member of the Board

   Antonis M. Vartholomeos is a Graduate from the Piraeus University of Industrial Studies (1980) and an M.A. – Ph.D candidate in Financial Economics and International Finance at FORDHAM UNIVERSITY, New York (1986). His career at the banking sector started at the ATLANTIC BANK OF NEW YORK (1981) in U.S.A. and afterwards at the OLYMPIAN BANK (1986). His homecoming was combined with his affiliation with INTERBANK (1992) as a key-member of the management team, where he became the Chief of the Technology, Organization, Credit and Financial Risk Management functions. He assumed the position of the Deputy General Manager at EGNATIA BANK (1996). General Manager and then Vice President of EUROHOLDINGS CAPITAL & INVESTMENTS S.A. (2000). He was appointed executive member of the Board of Directors of EYDAP S.A. (2004), in which he subsequently became Chairman of the Board and Managing Director. Chairman of the Board of Directors of PEGASUS SECURITIES S.A. (2010-2012). Member of the Board of Directors of the HELLENIC REPUBLIC ASSET DEVELOPMENT FUND (2011-2013). He was appointed Chairman and CEO of EYDAP S.A. (2013–2015). In July 2019 he was elected as an executive member of the Board and Deputy CEO of Attica Bank.

6. Mr. Stavros Papagiannopoulos, non-executive member

   Mr. Papagiannopoulos has an M.Sc.(ECON) at University College, University of London (UCL), B.A. at Pierce College Athens (Deree). Forty years career as Consultant, CFO and Financial Controller with private sector industrial firms

7. Mr. Dimitrios Tzanninis, non-executive member

   He is an economist specializing in issues of government policy and international relations. He has worked as Chairman in the Financial Experts Council of the Ministry of Economics of Greece, member of Eurogroup Economic Committees, member of the Economic Committee of the OECD, executive of the World Bank and member in the Board of Directors of the Supervisory Committee of the National Bank. From 1993 to 2008 he worked in the IMF. He studied Economics in the University of Athens and holds a postgraduate degree from the McMaster University and a Doctorate title from the University of Western Ontario. In September 2016 he was re-elected member of the Bank’s Board of Directors.

8. Mrs. Eleni Koliopoulou, non-executive member

   Ms Eleni Koliopoulou is the President of the Board of Directors of the Association of Industries in Thessaly and in Central Greece. She was born in Bochaiko (Korinthia, Greece), and is a mother of three children. She is a graduate of the American College of Greece – Deree and holds a Bachelor in Business Administration. She was CEO of the Paper Packaging Company I"AN. VL. KOLIOPOULOS PAKO SA» until 2018. She has served in the Board of Directors of the SEV-Hellenic Federation of Enterprises, she has been Chairman of the SEV Education and Training Working Group, Member of the National Education Council, as well as Member of the Monitoring Committee for the Alternative Management of Recycling. She has served as President of the Association of Hellenic Paper Industries and Vice President of the Hellenic Association of Manufacturers of Corrugated Cardboard and Boxes. She joined the Board of Directors of the Association of Industries in Thessaly and in Central Greece (AITCG) as Vice-President as of May 2013 and in May 2016 she was elected President of the Board of Directors and the Executive Committee. She has been one of the founding Members of the “Industry Roundtable for Growth-HELLENIC PRODUCTION” in 2017 and a Member of the Board of Directors since 2018. She is a Member of the Board of Directors in the “Hellenic Federation of Enterprises-SEV” since 2018.

9. Mr. Doukidis Georgios, non-executive member

   Georgios I. Doukidis is Professor of e-Business in the Department of Management Science and Technolo-gy at the Athens University of Economics and Business (AUEB). He holds an MSc and PhD from the Lon-don School of Economics (LSE) where he taught in the 90s. He is the Director of ELTRUN -the largest eBusiness Research Center of all European Business Schools- that has participated successfully in more than 40 international R&D projects with leading Universities and global companies. His work has been recognized internationally in awards such as the European Microsoft Retail Application Development (RAD) award, the European Case Study Award in "Knowledge, Information and Communication Systems Management" category and the European ECR award in "Retail Innovation with Business Analytics". In the last 30 years he has acted as consultant or board member in more than 50 local or international or-ganizations in the fields of business development, innovation and re-engineering, e-business, business analytics and new entrepreneurship. He was the first chairman of TANEO (the Greek New Economy Fund of Funds) and currently is board member of the Athens Stock Exchange.

10. Mr. Taprantzis Andreas, non-executive member

    Since November 2014, Andreas Taprantzis is the CEO of the multinational Avis Budget Greece, the leading car leasing and rental company in Greece, with 500 people, a fleet of more than 35,000 vehicles and total assets in excess of €500 million. He has more than 25-year managerial experience in many economic sectors and industries both in Greece and abroad. Prior to his current position, he was the Executive Director of the Greek Privatisation Fund (HRADF), POC Chairman of the Universal Postal Union, the CEO of ELTA (the Designated Postal Operator in Greece), the Deputy CEO at T Bank, the Chief Operating Officer and Retail Banking Managing Director of Hellenic Postbank, as well as member of the Board of Directors of many companies and organizations. Dr. Taprantzis is a Chemical Engineer with a PhD degree in AI Systems from NTUA, as well as an MBA and an AMP from INSEAD.

11. Mr. Xariton Kiriazis, non-executive member

    Harry Kyriazis, Civ. Engineer, MBA, Ph.D., started his career in manufacturing, and then served as Secretary General of the Ministry of National Economy (1992-1993). Until 2011 he has been a tax and consulting unit Head in Arthur Andersen and PwC, with diverse experience in private and public sector projects. He has significant exposure in public policy matters, advising the Government, and acting on behalf of the Hellenic Federation of Enterprises (SEV) where he served as Executive Vice-Chairman (2011-2015). His main current activities are to advise esent SEV’s Board and to participate in Boards or serve as Audit Committee Chair of listed and unlisted companies. He also sits at the boards of other organizations and associations.

12. Mrs. Aikaterini Onoufriadou, additional, non-executive member and representative of the Greek State in accordance with the provisions of Law 3723/2008.

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Board of Directors’ and Bank Committees

Audit Committee

The Audit Committee is composed of at least three (3) non-executive members of the Bank’s Board of Directors, two (2) of whom are independent non-executive members. The Members of the Audit Committee are elected by the General Meeting of shareholders. The term of office of the Audit Committee’s members is three years. Renewal of the term of office or modification of the Audit Committee’s composition shall always be made by decision of the Bank’s General Meeting. In case of resignation of an Audit Committee’s member, the vacant position is filled upon decision of the Bank’s Board of Directors, which shall be submitted to the next General Meeting of shareholders for approval. The General Meeting shall also appoint the Audit Committee’s Chairman, who cannot exercise the duties of the Board of Directors’ Chairman or the Risk Management Committee’s Chairman. The Audit Committee’s member must have sufficient knowledge of the banking and in general financial sector.

The Committee shall, inter alia, monitor, examine and evaluate the financial reporting process and make recommendations or proposals to ensure its integrity, where appropriate.

It also assesses the scope of audits performed by the Certified Auditors and the External Auditors, their working methods and generally the services they are required to provide to the Bank and the Group.

It monitors, reviews and evaluates the adequacy and effectiveness of the Bank’s overall policies, procedures and safeguards with regard to the Bank’s Internal Audit System, quality assurance and risk management concerning financial reporting issues.

It oversees the adoption of accounting standards by the Bank, receiving fully reasoned information from the CFO including the implications of their implementation.

It facilitates communication between the Board of Directors, Management, Internal Audit and External or Certified Auditors and the Bank of Greece regarding the exchange of views and information.

Committee for the Nomination of Board of Directors’ members and (Remuneration of ATTICA BANK ATE

The Committee is composed of at least three (3) non-executive Board of Directors’ members, who, at least in their majority, including its Chairman, are independent non-executive members. The Committee’s Chairman and its members as well as the exact number of its members are appointed and determined, respectively, by decision the Bank’s Board of Directors.

The term of office of the Committee’s members is the same as their term of office as members of the Board of Directors. In the event a member leaves the Committee for any reason, such member is replaced by decision of the Bank’s Board of Directors. Until the decision on the replacement is adopted, the Committee will continue to operate as long as the number of the remaining members is at least three.

The Committee’s responsibilities, among others, include:

Planning and coordinating the implementation of the process of identifying and selecting candidates for the Board of Directors and its committees.

Describing the individual skills and qualifications required to fill the positions of the Board of Directors’ members and the estimated term to be devoted to the corresponding position.

Assessing periodically and at least annually:

the structure, size, composition and performance of the Board of Directors and submission of recommendations to the latter regarding any changes it deems appropriate;

the combination of broadness, knowledge, skills and experience per subject of the Board of Directors’ members on an individual and collective level and submission of a relevant report to the Board of Directors.

Validating the appointment of senior management executives, with the exception of the heads of the Internal Audit Division and the Regulatory Compliance & Corporate Governance Division, who are appointed by the Audit Committee and the head of Risk Management Unit who is appointed by the Risk Management Committee, after consulting with the Committee.

Assessing existing or potential conflicts of interests of the Board of Directors’ members with those of the Bank, including transactions of the Board of Directors’ members with the Group, and submission of relevant proposals to the Board of Directors, in accordance with the Bank's Internal Regulations and best international corporate governance practices.

This Committee, among others, deals with the planning and coordination of the implementation of the process of identifying and selecting Board of Directors’ members and its committees with the purpose of formulating proposals and submitting them for approval to the Board of Directors for the election of the Board’s members, in accordance with the legal and regulatory framework and the Bank’s Articles of Association.

Moreover, it submits proposals on the Remuneration Policy of the Bank’s and the Group’s personnel, including those that have an impact on the risks undertaken and their management and suggests to the Board of Directors the adoption of decisions.

It directly supervises the remunerations of the senior executives of the Risk Management Division, the Regulatory Compliance Division and the Internal Audit Division.

In addition, it informs, advises and assists the Board of Directors on the planning, formulation, review and oversight of the implementation of the Remuneration Policy and supports the Board of Directors.

The Committee’s Regulation is approved by the Bank’s Board of Directors and may be reviewed on a regular basis, at least annually or extraordinarily depending on changes in the parameters adopted during the ordinary review.

Risk Management Committee

The Risk Management Committee is responsible for carrying out the duties set out in this Regulation in order to be able to adequately inform the Board of Directors on all matters relating to the risk-taking strategy and the risk tolerance level in carrying out its duties. The Risk Management Committee is composed of at least 3 (three) non-executive Board of Directors’ members, of whom at least one (1) shall be an independent non-executive Board of Director’s member. One member (1), who cannot be the Board of Directors’ Chairman, is designated as the Committee’s Chairman.

The Committee’s members, both at individual and collective level, must have sufficient knowledge and experience in the area of risk management and, in particular, in risk management and control practices, to effectively cover all forms of risk, including operational risk and to ensure their unified control, their specialized treatment and the required coordination at the level of the Group’s Bank.

The Committee, among other things, advises and supports the Board of Directors regarding the monitoring the Bank's overall present and future risk-taking and risk-taking strategies, taking into account all types of risks, to ensure that they are consistent with the Bank's business strategy, objectives, corporate culture and corporate values.

It assesses annually the adequacy and effectiveness of the Bank's and the Group's risk management policy, and in particular compliance with the specified level of risk tolerance, the appropriateness of limits, the adequacy of forecasts and the general adequacy of equity in relation to the amount and form of the risks assumed, at least on the basis of the annual CRO report and the relevant extract of the Internal Audit Unit report. The Committee’s Regulation is approved by the Bank’s Board of Directors and is be revised whenever necessary, in accordance with any changes made.

Executive Committee

The Executive Committee monitors and ensures the smooth and efficient operation of the Bank in implementing its strategy, business plan and budget, as approved by the Board of Directors. It is composed by at least eight (8) members, one of whom is the CEO, who is appointed as its Chairman.

The Committee monitors the achievement of the objectives at the Bank and Unit level, examines deviations, decides on corrective measures and provides guidance to the competent corporate structures. In addition, it specifies the implementation of the strategy, coordinating the actions of the Bank's Units, and decides the policy of developing the network and the Group.

Asset-Liability Management Committee (ALCo)

The Asset-Liability Management Committee (ALCO) is composed of at least 3 (three) members, one of whom is the Bank’s CEO, who is appointed as its Chairman, as well as of consultative members. The principal members may be either executive members of the Board of Directors or executives of the Bank.

It forms the policy of the Bank and the Group’s companies regarding the structure, pricing and management of Assets and Liabilities. It also monitors the financial developments and the basic business assumptions based on which the Bank formulates its policy.

Among other things, the Asset-Liability Management Committee (ALCO) decides the framework for undertaking and hedging liquidity and interest rate risks using the appropriate tools and sets out the broader interest rate policy of the Bank and the Group’s companies.

It determines and supervises the implementation of the Bank's internal pricing system and establishes the internal pricing policy between deposit / lending units and approves the liquidity contingency plan and diversifies the Bank's sources of cash flow.

It also approves the stress test program and examines the results of applying scenarios for extreme changes in capital markets and evaluates and approves the launch of new deposit or loan products as well as the Bank's expansion into new products or services that are compatible with its strategic planning.

Regulations of the Committees

• Audit Committee
• Risk Management Committee
• Committee for the Nomination of BoD Members and Renumerations of Attica Bank SA