ALPHA BANK’SESGPERFORMANCEINDICATORS

JULY 2021

Alpha Bank places special emphasis on its sustainable development and the mitigation of the effects of its activity on society and environment. In this context, the Bank has developed a comprehensive strategy for issues relatedto the Environment, the Society and the Corporate Governance (ESG) and is constantly adapting its operations, while taking advantage of new business opportunities and creating value for all Stakeholders.The following table presentsthe Bank's performance in ESG issues during the last three years (2018-2020), through specific qualitative and quantitative indicators. More informationis presented in the AnnualSustainability Report 2020.

Energy consumption within the Organization (ΜWh)

Percentage of electricity from Renewable

Energy Sources (%)

Direct emissions (Scope 1) (tn CO2 eq)

Indirect emissions (Scope 2) (tn CO2 eq)

Total indirect emissions (Scope 3) (tn CO2 eq)

Drinking water consumption (m3)

Amount of paper recycled (tn)

Percentage of recycling printer consumables (%)

Percentage of debit and credit cards for which an electronic

monthly bill is sent (e-statements) (%)

New financing arrangements for renewable energy projects

during the year (million Euro)1

ISO 14001 (Environmental Management System)

68,386

100

1,838

34,918

-

81,912

478

-

32

-

-

66,414

92

2,098

36,356

-

76,919

517

81

88

-

59,627

100

1,793

32,638

548,648

60,505

485

110

90

179

ENVIRONMENT 2018 2019 2020

1 This Performance Indicator (KPI) includes only business loans monitored by the following Divisions: Structured Finance Division, Corporate Banking Division and the Business Centers Division. In addition, the amount of loans for renewable energy projects represents the amounts of loans approved during the year and not necessarily the amounts disbursed. The specific methodology for calculating the index was revised in 2020 and therefore no quantitative data are presented for 2018 and 2019.

Indicators

Number of Employees

Percentage of Employees covered by Collective Labor Agreements (%)

Women Employees

Women in managerial positions

Employees with disabilities (PWDs)

Gender pay gap (% in favor of men)

CEO - Employees remuneration rate

Employee mobility index (%)

Total number of Employee recruitments

Men

Women

Total number of Employee departures

Men

Women

Man-hours of training

Employee training (training hours per Employee)

Men

Women

Employee training costs (million Euros)

Number of injuries

Number of fatalities

Percentage of Branches accessible to PWDs (%)

Percentage of monetary transactions made through digital networks during the year (%)

Total number of substantiated complaints regarding Customer privacy breaches and losses of Customers’ data

Incidents of non-compliance with laws and regulations on socio-economic issues

Fines imposed for non-compliance with the applicable regulatory framework in promoting and providing products / services

Social investments (million Euros)

Alpha Bank Customer Satisfaction Index (t-NPS, %)

7,793

100

4,289

289

142

-

-

8.8

138

83

55

686

405

281

142,644

18.3

17.7

18.8

-

2

0

57

85

2

0

0

2.4

-

6,969

100

3,846

261

122

16

12.72:1

13

84

50

34

9083

431

477

134,607

19.5

20.4

19.3

-

1

0

60

88

2

0

0

2.4

-

6,323

100

3,489

226

108

14

10.83:1

11.9

105

53

52

7514

342

409

53,777

8.5

9.0

8.5

1.1

1

0

65

92

1

0

0

2.7

55

SOCIETY 2018 2019 2020

2 There is no gender pay gap for same level positions.3 731 people (81% of total departures) used the Voluntary Separation Scheme.4 507 people (67.51% of total departures) le� as part of the process of partial separation of loss-making activities (carve out).

Code of Conduct

Corporate Governance Code

Personal Data Protection Policy

Reporting Policy and Procedures

Corporate Responsibility Policy

Group Environmental Management Policy

Policy for the Prevention and Suppression of Money Laundering and Terrorist Financing

Remuneration Policy for Alpha Bank and other Group Companies

Number of Board Members

Percentage of women in the Board of Directors (%)

Percentage of Independent Board Members (%)

Percentage of Non-executive Independent Board Members (%)

Cases of business ethics violation

Convicting judgements against the Senior Management for any corruption offence

Convicting judgements against the Senior Management for any human rights violations during the year

Sustainability oversight at Board Committee level

External assurance of published non-financial information (see. Annual Corporate Responsibility / Sustainability report)

-

15

8.3

38

46.7

0

0

0

13

8.3

38

46.2

0

0

0

13

15.4

54

61.5

0

0

0

CORPORATE GOVERNANCE 2018 2019 2020

The Bank is evaluated annually by international analysts and rating agencies on its performance in terms of sustainable development, i.e., issues related to the environment, society and corporate governance (ESG). The performance of Alpha Bank and the corresponding ratings for the past three years (2018-2020) are presented below.

Alpha Bank through the strategy of sustainable development seeks to continuously increase its environmental and social positive footprint while reducing its negative impact. Specifically, having signed the six Principles of Responsible Banking formed through the international initiative of the United Nations UNEP FI (United Nations Environment Programme Finance Initiative) is being committed to operate responsibly and contribute to the formation of a responsible and sustainable banking system. In 2020, the Bank analyzed the impacts of its portfolio, set specific medium and long-term goals and submitted, for the first time, the relevant Self-Assessment Report to the UNEP FI international initiative.

Following the recommendations of the Task Force on Climate-related Financial Disclosures (TCFD), the Bank assesses forthcoming environmental policies, legal requirements and guidelines related to climate, with the aim of effectively capturing and managing any natural and transitional risks related to climate change. Being aware of the effects of climate change and the way in which they affect all aspects of anthropogenic activities, the Bank develops and offers products that allow investment in energy saving actions. In addition, Alpha Bank has reviewed the European Central Bank Guidelines on the risks associated with climate change and the environment and has launched a specific project to harmonize it.

At the same time, in the investment area Alpha Asset Management M.F.M.C. has developed a new, integrated Environment, Social Responsibility and Governance (ESG) Policy to apply ESG criteria to its mutual funds in accordance with UNEP PRI principles. The ESG Policy represents the guiding principles that ensure that information about the risks and opportunities associated with ESG issues is properly integrated into the investment process. Having incorporated the ESG criteria in its financial policy, but also in its operation, the Bank evaluates the risks and opportunities of climate change arising both from its activity and the activity of its Customers.

MSCI ESG Rating (rating scale CCC-AAA)

FTSE4Good Emerging Index

ISS ESG Quality Score (score 1-10, 1 indicates lowest risk and best transparency)

Vigeo Eiris Best Emerging Market Performers

Climate Change CDP

Bloomberg Gender Equality Index

BBB

E: 2S: 2G: 8

November2018

-

B

�(Index 2019)

A

E: 1S: 2G: 9

October2019

C

(Index 2020)

AA

E: 1S: 2G: 4

December 2020

C

(Index2021)

ESG RATINGS 2018 2019 2020

Self-Assessment Report