Compliance & Corporate Governance Division

Board of Directors CVs

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

Konstantinos Mitropoulos is an Electric Engineer from the National Technical University of Athens with postgraduate studies in Business Management and Finance, with an MSc from the Imperial College and a PhD from the London Business School. From 2013 to June 2019 he was an Administrator for PwC in Greece, responsible for the development of operations in the Advisory Department. Between 2016 and 2017 he was also CEO of PQH, Special Single Liquidator SA, which has undertaken to liquidate 16 Greek banks. From July 2011 until August 2012 Konstantinos Mitropoulos was CEO of the Hellenic Republic Asset Development Fund SA (ΤΑΙΠΕΔ). Until July 2011 he was Executive Chairman of the Board of Directors of Eurobank EFG Equities and Head of the Global Equity Investment Banking, Brokerage & Private Equity of the Eurobank EFG Group. He was the founder and up to 2008 Executive Chairman of the BoD of KANTOR Business Consultants SA, one of the biggest business consultant agencies in Greece, with offices in Brussels, Warsaw, Bucharest and Sofia. He began his career as a business consultant in Coopers & Lybrand in the UK.

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

   Attica Bank Vice President, Konstantinos Makedos, is a Civil Engineer from the Aristotle University of Thessaloniki and has been President of the Engineers and Public Works Contractors Fund (ΤΜΕΔΕ) since its establishment on 1/1/2017. During his tenure, the Fund became a full member of the European Association of Guarantee Institutions. In addition, following a positive recommendation from 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 TMEDE ensures terms of maximum transparency by applying the International Financial Reporting Standards to its financial operation. In addition, the Entity is a pioneer on a European level regarding its digital transformation and at the same time it presents a highly satisfactory image with significant annual surpluses. Mr. Makedos is an elected member of the Panhellenic Delegation of the Technical Chamber of Greece, while he served as Vice President of the Unified Insurance Fund of Independently Employed (ETAA) until 2016. 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 freelance professional, public works researcher, shareholder and CEO of CONCEPT CONSULTING ENGINEERS Engineering Company S.A.

3. Mr. Theodoros Pantalakis, CEO, non-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). In parallel, in the period 1983-1985 he was a partner of the Vice Minister of National Economy Mr. K. Vaitsos and from 1985 to 1988 Head of the office of the Vice Minister of National Economy Mr. Th. Karantzas. From 1991 to 1996 he was assistant General Manager in the Interamerican Group. From 1996 to 2004 he was Deputy Manager of the National Bank of Greece (ETE), Vice President of ATHEX, President of the Central Securities Depository and Chairman of the Execitive Committee of ETE. In May 2004 he became Vice Chairman in the BoD of Piraeus Bank and in 2009 Vice President and Deputy CEO of the Group. From 2009 to 2012 he was Chairman of the Bod and President of ATEbank and member of the BoD of EET. From 2012 to 2016 he was Chairman of the BoD of Apollonios Kyklos SA, Vice President of the SA and Ltd. Union, executive of DEMKO SA, member of the BoDs of the companies of the ELLAKTOR Group, ELPE, Retail World and MAD DOG SA. Since September 2016 he has been Deputy Chief Executive Officer in the Bank, member in the Boards of Directors of ELPE and R.E.D.S SA and Vice Chairman of the BoD of the SA and Ltd. Union.

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 in Economic Statistics and Econometrics from the University of Athens. He has had over 30 years of experience in the banking sector, having worked in various banks, as well as in portfolio management companies. In May 2015 he became Deputy Chief Executive Officer and Head of the Credit Restructuring General Management Department of Attica Bank and in September 2016 he was elected executive member of the BoD of the Bank as Deputy Chief Executive Officer. He has worked in the National Bank of Greece (8.2013 -12.2013), in Probank (1.2002 – 7.2013), in EUROBANK FINANCE SA (8.2000 – 12.2002) and Ergasias Bank (9.1990 – 7.2000).

5. Mr. Antonios Vartholomaios, Deputy CEO, non-executive member of the Board

   Antonis M. Vartholomaios holds a degree from the Piraeus Higher School of Industrial Studies (1980) and was a PhD Candidate in Finance & International Economics in the Fordham University of New York (1986). His career includes: Atlantic Bank of New York (1981), Olympian Bank (1986), Interbank (1992), Egnatia Bank (1996), EVROSYMMETOCHES Capital and Investment Company SA (2000), EYDAP SA (2004, as an executive member of the BoD), Pegasus Securities SA (2010-2012), Hellenic Republic Asset Development Fund SA (ΤΑΙΠΕΔ) (2011-2012) and EYDAP SA (as Chairman of the BoD and CEO). In July 2019 he was elected Executive Member of the BoD and Deputy Chief Executive Officer of Attica Bank.

6. Mr. Alexios Pelekis, non-executive member
7. Mr. Konstantinos Tsagkaropoulos, non-executive member
8. Mrs. Eleni Koliopoulou, non-executive member

   Eleni Koliopoulou is a graduate of the Deree American College of Greece and holds a Bachelor in Business Management. She was CEO of AN. VL. KOLIOPOULOS PAKO SA until 2018. Since 2013 she has been a Vice President in the Industrial Association of Thessaly and Central Greece (ΣΒΘΣΕ), whereas since May 2016 she has been the Chairman of the BoD and the Executive Committee. She was President of the Greek Association of Paper Industries (ΣΕ.ΒΙ.ΧΑ.) and Vice President of the Greek Association of Manufacturers of Corrugated Cardboard and Boxes. She was one of the founding members of the “HELLENIC PRODUCTION” Industrial Council for Development. She has also been a member of the BoD of the Hellenic Federation of Enterprises (ΣΕΒ) since 2018.

9. Mr. Doukidis Georgios, non-executive member

   Georgios Doukidis is a mathematician with a degree from the Aristotle University of Thessaloniki and holds an MSc in Enterpreneurial Research and a PhD in Artificial Intelligence from the London School of Economics (LSE) where he taught in the 1980s. He is a Professor of E-Business in the Department of Management Science and Technology in the Athens University of Economics and Business and Manager of the E-Business Research Center (ELTRUN), one of the biggest institutes in the field of European Business Schools, which has completed successfully more than 40 international R&D projects with more than 150 leading universities and international companies. He has consulting experience in business development, innovation and restructuring, e-commerce and digital transformation. In the past he was President of the Greek Development Investment Bank (TANEO)

10. Mr. Taprantzis Andreas, non-executive member

    Dr. Andreas Taprantzis is a Chemical Engineer with a PhD in AI Systems from the National Technical University of Athens. He also holds an MBA and an AMP from INSEAD. Since 2014, he has been CEO and Vice President of the multinational company Avis Greece, the biggest car leasing company in Greece, with a fleet exceeding 38,000 vehicles, an asset value of over €500 million and an EBITDA of over €90 million. He has worked as an Administator of the Hellenic Republic Asset Development Fund (ΤΑΙΠΕΔ), Chairman of the Postal Operations Council (POC), CEO of Hellenic Post (ELTA), Deputy CEO of TBank, COO and Retail Banking Network Manager of Postbank (TT), as well as a member of the Boards of Directors of several companies and organizations.

11. Mr. Xariton Kiriazis, non-executive member

    Haris Kyriazis is a Civil Engineer and holds an MBA and a PhD. He initially worked in the industrial sector and was also employed as General Secretary of National Economy (1992-1993). From 1994 to 2011 he was Head of the Tax and then of the Consultancy Department of Arthur Andersen as well as of the Consultancy Department of PwC, with an extensive experience in private and public sector projects. He was an elected member of the Hellenic Federation of Enterprises (ΣΕΒ) for 21 years, where he worked as Executive Vice President (2011-2015) until September 2019. He is currently a business consultant and participates in the Boards of Directors or as Chairman of the Control Committee of listed or non-listed companies (currently in Lamda Development, ELLAKTOR, Attica Bank, PQH, Skama). Among others, he is a member of the BoD of the International Labour Organization (ILO).

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

    She holds a degree from the Finance Department of the Law Faculty of the University of Athens, as well as a training title in Factoring, following a 6-month seminar. In addition, she holds a TUV Inspector certificate. She speaks English and French. She has worked as an employee in the Agricultural Bank of Greece (1980-2010), Manager in Branches and Departments, as well as in the Training Centre of ATEbank in the employee training, to the rank of Deputy Manager. From 2010 to 2019 she worked on a voluntary basis in the office of the Prime Minister Kyriakos Mitsotakis. Since 2014 she has been Head of his Political Office. She is also Manager of the Mentoring Alive Committee of the European Union of Women in Greece, as well as member of the BoD of the Hellenic Electricity Distribution Network Operator (ΔΕΔΔΗΕ). Finally, she also a member of the Corporate Governance Committee of ΔΕΔΔΗΕ.

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