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Sustainability in BankingInitiatives at the National Bank of Greece Evi TsoukalaHead of Group Corporate Governance SectorNational Bank of Greece S.A.12 July 2016

175 Years of History 2The National Bank of Greece

Indicative supporting initiatives and milestones in the history of NBG Traditionally oriented towards contribution 1860 The Bank participates in the capital of the company that constructs the National Theater in Athens 1866- 1867 The Bank provides financial assistance to the refugees from Crete and the earthquake victims of Cephalonia, as well as support for various social welfare organisations, such as the ‘Cretan Refugee Committee’, the ‘Alms Society’ and the Retirement Fund for Naval Servicemen. 1893-1894 The Bank provides financial aid to the earthquake victims of Zante and Lokrida and also provides financing for restoration work to the Orthodox Seminary of Chalke, which had been destroyed by earthquake. 1895-1896 The Bank provides financing for the hosting of the first modern Olympic Games held in 1896 in Athens. 1908 The Bank provides financial support for earthquake victims in Ilia province and for earthquake victims in Sicily and Calabria, Italy. 1913-1914 NBG honours its employees who sacrificed their lives in the Balkan Wars and provides financial aid for the relief programme for deprived families of soldiers. 1922 Following the Asia Minor Disaster, NBG provided loans, donations and aid to the refugees from Asia Minor, and managed to arrange collection of the wheat harvest in Eastern Thrace before the region was evacuated so as to feed the refugee population. 1931 NBG finances the creation of the Athens suburb of Filothei which provides housing for members of its staff. 1938 NBG establishes its Historical Archive. 1940-1944 During the Greek-Italian war the Bank provides financial assistance to relief programmes on the front and the families of enlisted NBG employees. It also donated a mobile surgery to the Greek Red Cross and financed a convalescence home for the wounded. During the subsequent Nazi Occupation, besides providing soup kitchens and emergency financial aid to its staff the Bank also supported various welfare organisations in Greece.

1966 On the occasion of its 125th anniversary, NBG establishes the National Bank Cultural Foundation which contributes to the educational and cultural life of the country 1973 NBG is the first Bank in Greece to introduce modern online real-time transaction systems, thereby contributing to the modernization of banking transactions 1994 On the initiative of NBG and with the participation of 20 individuals from the public sector banking and business world, a “National Sponsorship Programme” was set up as an NCO with a view to securing funding for national heritage programmes (this has since been discontinued) 1996 NBG publishes its first Social Report 2004 NBG incorporates CSR values into its strategy and publishes its CSR Policy The Bank begins participation in the FTSE4Good corporate responsibility index. In the context of its CSR Policy, the Bank launches its Environmental Management System 2005 The Bank is ranked a “Gold Company” in recognition of its activity in Greece in the sphere of CSR according to the results of a survey presented at the Economist conference NBG is recognized by the Advertisers Association of Greece for its “Outstanding Contribution” to the community and social affairs over the decades 2007 NBG contributes directly to the task of restoring regions devastated by the summer wildfires 2008 NBG is awarded the CSR Prize of the Athens Chamber of Trade and Industry The Bank publishes for the first time its 2007 CSR Report, in line with Global Reporting Initiative guidelines. 2010 Construction of new surgical wing at “ Evaggelismos Hospital” NBG is awarded the CSR Prize by CR INDEX 2011 The “THALES’ award, top corporate social responsibility is given to National Bank 2012 NBG is awarded the CSR Prize GOLD by CR INDEX 2013 NBG is awarded the CSR Prize PLATINUM by CR INDEX 2014 Ethos Sustainability top award is given to NBG Indicative supporting initiatives and milestones in the history of NBG Traditionally oriented towards contribution

STAKEHOLDERS The Current Environment - Trends and Influencing Factors Contribution in line with Surrounding Environment Needs

Initiatives of the National Bank of Greece

Participation in Associations, Unions, Organizations and Indices for sustainable development Global Reporting Initiative ( G 4) - From 2015 NBG applies the GRI G4 standard FTSE4GOOD Index Series Ethibel EXCELLENCE Investment Registers Carbon Disclosure The Hellenic Network for Corporate Social Responsibility Hellenic Bank Association Sustainable Development Committee Sustainable Greece 2020 Initiative Young Entrepreneurs Association national representative in Greece of the International Organization Junior Achievement

Products and services targeted to contribution 8 Participation in the Joint European Support for Sustainable Investment in City Areas (JESSICA) Purchase or construction of an energy efficient residence or the repair of a house in order to upgrade it in terms of its energy consumption ESTIA Green Home

A wards received acknowledging initiatives of the National Bank of Greece

C hallenges and Opportunities EBRD Performance Requirements Application of a common framework Enhancement of “sustainability sensitive” culture in the market Commitment of stakeholders to further improve practices applied Further mobilizing stakeholders, clearer comprehension of issues raised, rules and procedures to address sustainability issues Challenges Opportunities

S ustainability in Banking – Initiatives at the National Bank of Greece Thank you Evi Tsoukala