Compliance & Corporate Governance Division

Board of Directors CVs

1. Konstantinos Makedos, son of Georgios, Chairman of the Board of Directors, Non-Executive Member
The chairman of Attica Bank, Konstantinos Makedos, is a civil engineer and President of the Engineers and Public Works Contractors Fund (TMEDE) since it was founded, on January 1^st, 2017. During his presidency, TMEDE became the first fully integrated provider of digital services in Greece, with steadily growing profitability and a strong role as guarantor and creditor for the engineering, contractor and designing sectors. Meanwhile, in 2018 the Fund became full member of the European Association of Guarantee Institutions (AECM); following a positive recommendation from the Bank of Greece, which concurred with the opinion of the European Central Bank (ECB), the Fund was evaluated and accredited as private institutional investor in Attica Bank.
Konstantinos Makedos is an elected member of the Assembly Presidium of the Technical Chamber of Greece (TEE), while in 2016, he served as the Vice-President of the Independently Employed Social Security Fund (ETAA). For several years, Konstantinos Makedos has been a member of the Steering Committee of the Technical Chamber of Greece (TEE) and responsible for the Economic and Insurance-Actuarial affairs of the Chamber. Konstantinos Makedos has participated as an engineer and technical consultant in the design and implementation of large-scale infrastructure projects.

2. Avraam (Minos) Moissis, son of Esdra, Vice Chairman of the BoD, Non-Executive Member, representative of the Hellenic Financial Stability Fund
Avram-Minos Moissis is the Vice Chairman of the BoD of Attica Bank as a representative of the Hellenic Financial Stability Fund. He has a long track record in the management of financial services as CEO of Interamerican Group and Ethniki Insurance, General Manager of Retail Banking of National Bank and Emporiki Bank, Chairman of the BoD of the Single Liquidator PQH and member of the Supervisory Board of the Hellenic Corporation of Assets and Participations. He is a founding partner of the advisory firm SYNERGON Partners and Chairman of the BoD of the factoring company Flexfin. A qualified actuary with a degree in mathematics from University of Athens and a postgraduate degree in actuarial science from Heriot Watt University in Great Britain.

3. Eleni Vrettou, daughter of Christos, CEO, Executive Member
Eleni Vrettou has more than 20 years of international experience in Banks in Greece and abroad, specializing in the fields of corporate and investment banking.
Ms. Vrettou held the position of Executive General Manager, Chief of Corporate and Investment Banking at Piraeus Bank Group, while previously she had worked for 14 years at HSBC Bank Plc in Greece and United Kingodm. Her most recent position at HSBC was that of Managing Director and Head of Wholesale Banking Greece, while previously she was Head of Multinationals and Business Development of HSBC for the CEE, CIS, Mediterranean and SubSaharan Africa regions. Most recently she held the position of Chief Strategy and Investor Relations Officer at Lamda Development.
She has significant experience in corporate transformations and the management of Non-Performing Exposures, as well as in the systematic development of ancillary business in investment and transaction banking and Development Programs. Prior to HSBC, she had worked for Greek and international Financial Institutions, in Athens and New York, in the fields of Credit and Risk and Investment Banking (M&A). Between the years 2019 and 2021, she served as Chairman of the Board of Directors of Piraeus Factors S.A, Piraeus Leasing and Piraeus Leases, as well as a member of the Board of Directors of ETVA VIPE. She currently is an independent non-executive member of the Board of Directors of Star Bulk Carriers Corp, as well as an independent non-executive member of the Board of Directors of MOTODYNAMICS S.A. Ms. Vrettou holds a Bachelor of Science in Economics from the Wharton School of the University of Pennsylvania.

4. Vasiliki Skoubas, daughter of Christos, Executive Member
Mrs Vasiliki (Valerie) Skoubas holds more than 30 years of international and domestic experience in the banking and finance sectors. She joined Attica Bank in April 2022 as a Management Consultant and, in January 2023, undertook the position of Chief Financial Officer. From 2015 to 2021, she was appointed Chief Financial Officer at HSBC Greece. Furthermore, from 2018 to 2020, she was also Head of Supervision of 9 branches of HSBC France until 2021, while she was also Director of Mergers & Acquisitions at HSBC London in 2021. During 1989-2014, she worked at Citigroup Greece, where she undertook the role of Chief Financial Officer in 2009. She holds a BSc in Accounting from St. John’s University in New York and a Diploma in Corporate Governance for NEDs from the Corporate Governance Institute.

5. Alexios Pelekis, son of Dionysios, Non-Executive Member
Alexis Pelekis is a lawyer, a member of the Athens Bar Association and a shareholder of "PELEKIS LAW FIRM". He studied at the Law School of the National and Kapodistrian University of Athens, from which he graduated with honors, while he continued his studies at the University of Paris II, from which he received postgraduate degrees in Public Law (1988) and Financial and Tax Law (1989). He has been practicing law since 1989 and specialises in issues of Administrative Law and regulatory issues of supervised companies, Tax Law, business consolidation and settlement of relations with their creditors, especially banking institutions, and finding viable solutions for business loans (acquisitions and mergers) and investments in the real estate and energy market (especially renewable energy sources). He was a member of the Legal Council of Attica Bank for the period from November 2018 to June 2019, while since 10/6/2020 he has been an independent non-executive member of the Board of the Cypriot company "GMM Global Money Managers AIFM Ltd", upon a positive evaluation by the company supervising the Cyprus Securities and Exchange Commission. As part of his involvement with banking practice and to enhance his knowledge, he participated in the months of May 2019 and May 2020 in training seminars of the Hellenic Banking Institute, lasting 16 and 12 hours respectively, which concerned issues of bank operation. He speaks and works fluently in English and French.

6. Charikleia Vardakari, daughter of Nikolaos, Independent Non-Executive Member
Charikleia Vardakari holds a BA in Business Administration from the University of Piraeus and an MBA in Finance from École Νormale Supérieure, in Paris. Mrs Vardakari started her career as a business and financial consultant with Interaction SA focusing on feasibility studies for various sectors of the economy. Soon after she moved to HSBC Bank plc in Athens as a Senior Executive (Corporate & Private Banking). Since the mid-90s she is contributing to the development of Factoring in Greece, having served as a Senior Manager at ABC FACTORS S.A. For the last fourteen years she held the position of Chief Executive Officer of Piraeus Factoring S.A., and served as an Executive Board Member of the same company. Since early 2020, Mrs Vardakari serves as a non-executive Member of the Board and Member of the Board’s Audit Committee of Hellenic Public Properties Company S.A. (ΕΤΑΔ ΑΕ).

7. Ioannis Zographakis, son of Georgios, Independent Non-Executive Member
Ioannis Zographakis has been a member of the Board of Directors of the Bank of Cyprus since September 2013. He has been Senior Independent Consultant to the Administration since February 2019 and President of the Risk Management Committee since May 2020. He has also been President of the Ethics Committee since November 2019, a member of the Audit Committee and a member of the Technology Committee. From September 2013 until March 2021, he served as Chairman of the Audit Committee.
Ioannis Zographakis has extensive international experience in the banking sector as a senior manager. He started his career in 1990 at Citibank in Greece as Management Associate for Europe, Middle East and Africa region. In 1996 he served as Director of Finance of CitiMortgage, and in 1997 he became Financial Officer of Citigroup Consumer Finance, assuming later the position of Chief Financial Officer (CFO) for the Consumer Assets Division of America. From 1998 until 2004, he worked at the Student Loan Corporation, a subsidiary of Citigroup. In 2005 he returned to Europe as Head of Consumer and Housing Credit for Europe, Middle East and Africa region of Citibank, as well as Head of Uk Retail Banking. From 2006 until 2011, he assumed the position of General Manager of Retail Banking at Citibank Greece, where he remained until 2011. He has been a member of the Board of Directors of the Student Loan Corporation in America, Tiresias SA in Greece, Diners Club Greece and the National Bank of Greece. Mr Zographakis studied civil engineering (BSc) at the Imperial College of London, and his postgraduate studies are in Business Administration (MBA) at the Carnegie Mellon University in America.

8. Aimilios Giannopoulos, son of Polykarpos, Independent Non-Executive Member
Aimilios Giannopoulos has served as Manager of PwC London for 13 years and of PwC Athens for 26 years and has many years of vast experience in Managerial positions in the financial sector.
During his tenure at PwC Greece from 1994 to 2021, he served as Head of Audit Department, founder and Head of the Consulting Services Department on acquisitions, mergers and financing (Deals Advisory), founder and Head of the special unit providing advisory services on non-performing bank loans (NPL Advisory) as well as Head of Customers and Markets for the company.
At the same time, he serves as Business Consultant and member of the Boards of Directors of companies and organizations such as Quest Holdings, PQH (single liquidator of the 17 Bankrupt Greek banks), Fresh-Life UG, Campion School and St Catherine's School.
Mr Giannopoulos was born in London, where he completed his studies. He is a member of the Institute of Certified Auditors of England and Wales FCA, ICAEW, and the Board of Directors of the Hellenic Club of Non-Executive Members of the Boards of Directors.
He also has significant voluntary action, supporting and advising start-up companies on their financial and strategic planning through PwC's Corporate Responsibility program.

9. Grigorios Zarifopoulos, son of Dionysios, Independent Non-Executive Member.
Grigoris Zarifopoulos is the former Deputy Minister of Digital Governance of the Hellenic Republic, responsible for the national digital strategy of Greece and for attracting foreign direct investment in digital technology. Before joining the Greek Government, Grigoris was Google’s Regional Director for Southeast Europe and Google's CEO for Greece, Bulgaria, Cyprus and Malta. Prior to Google, Grigoris held the position of General Manager of Gap for Greece, Cyprus and the Balkan countries. He has also worked for IKEA Greece, McKinsey & Company management consulting firm in London and Athens, and Seagate Technology, the disk drive manufacturer in California, USA. He is currently advising companies across industries on business strategy and digital transformation. Grigoris holds a Bachelor of Engineering degree in Mechanical Engineering from Imperial College-University of London, a Master of Science degree in Mechanical Engineering from Stanford University and a Master in Business Administration (MBA) from Kellogg School of Management-Northwestern University. He speaks Greek, English, French and Spanish.

Committee Members CVs

• Stavros Papagiannopoulos (Non BoD member, Independent to the Bank in the sense of par. 1 (e) of article 44 of Law 4449/2017)

  Postgraduate Economics Degree M.Sc. (ECON), University of London, University College London. B.A. Pierce College Athens, Department of Economics. Forty years work experience, in Greece and abroad, as Business Consultant, Financial Consultant or Accounting and Tax Consultant. Employed in top positions as Chief Financial Officer and Financial Controller, mainly of the Industrial Sector. Self employed Financial Administration Consultant and Accounting and Tax Consultant (2000); Financial Administration Consultant for Bulgarian Industrial Businesses; Financial Controller P.N. Gerolymatos S.A. (1996-1998); Financial Manager and Accounting Dpt Manager ALUCANCO S.A (1989-1996); Instructor at Hellenic Centre of Productivity (ΕΛΚΕΠΑ) in the Administration and Industrial Management for Agricultural Co-operatives Unions (1983-1989), Production Planner at MINERVA S.A. (1981-1983), Sales Statistics at ELSA S.A. (1979-1981).

• Christos - Stergios Glavanis (Non BoD member, Independent to the Bank in the sense of par. 1 (e) of article 44 of Law 4449/2017)

  Christos Glavanis is an experienced executive with over 35 years in the consulting sector, who led EY as Managing Partner in Central and Southeastern Europe based in Greece and then in the private sector. Mr. Glavanis participates as a Non-Executive Member in Boards of Directors of prestigious companies. Mr. Glavanis, while at EY, was responsible for several years for the Corporate Finance services of the company that covers Western and Southeastern Europe. As part of EY and later head of Family Office, Christos was extensively involved in many M&A transactions in various sectors. His experience has also been covered as a reference accountant in IPO in Greece and companies listed on NASDAQ and as a Certified Auditor in leading Greek companies. He studied Economics at the University of Hull and is a member of the Board of Certified Auditors.

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 To see the Committee Members, click here. 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 To see the Committee Members, click here. 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 To see the Committee Members, click here.

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 To see the Committee Members, click here.

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 To see the Committee Members, click here.

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
• Report of Independent Non-Executive Members of the BoD for 2021