Alpha Bank A E : ESG Performance Indicators

JULY 2021

ALPHA BANK'S ESG PERFORMANCE INDICATORS

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 related

to 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 presents the Bank's performance in ESG issues during the last three years (2018-2020), through specific qualitative and quantitative indicators. More information

is presented in theAnnual

Sustainability Report 2020.

Indicators

	ENVIRONMENT			2018		2020
		2019
	Energy consumption within the Organization (ΜWh)		68,386	66,414	59,627
	Percentage of electricity from Renewable		100	92	100
	Energy Sources (%)
	Direct emissions (Scope 1) (tn CO2 eq)		1,838	2,098	1,793
	Indirect emissions (Scope 2) (tn CO2 eq)		34,918	36,356	32,638
	Total indirect emissions (Scope 3) (tn CO2 eq)		-	-	548,648
	Drinking water consumption (m3)		81,912	76,919	60,505
	Amount of paper recycled (tn)		478	517	485
	Percentage of recycling printer consumables (%)		-	81	110
	Percentage of debit and credit cards for which an electronic		32	88	90
	monthly bill is sent (e-statements) (%)
	New financing arrangements for renewable energy projects		-	-	179
	during the year (million Euro)1
	ISO 14001 (Environmental Management System)		-

• 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.

	SOCIETY			2018		2020
		2019
	Number of Employees		7,793	6,969	6,323
	Percentage of Employees covered by Collective		100	100	100
	Labor Agreements (%)
	Women Employees		4,289	3,846	3,489
	Women in managerial positions		289	261	226
	Employees with disabilities (PWDs)		142	122	108
	Gender pay gap (% in favor of men)		-	16	14
	CEO - Employees remuneration rate		-	12.72:1	10.83:1
	Employee mobility index (%)		8.8	13	11.9
	Total number of Employee recruitments		138	84	105
		Men		83	50	53
		Women		55	34	52
	Total number of Employee departures		686	9083	7514
		Men		405	431	342
		Women		281	477	409
	Man-hours of training		142,644	134,607	53,777
	Employee training (training hours per Employee)		18.3	19.5	8.5
		Men		17.7	20.4	9.0
		Women		18.8	19.3	8.5
	Employee training costs (million Euros)		-	-	1.1
	Number of injuries		2	1	1
	Number of fatalities		0	0	0
	Percentage of Branches accessible to PWDs (%)		57	60	65
	Percentage of monetary transactions made through digital		85	88	92
	networks during the year (%)
	Total number of substantiated complaints regarding
	Customer privacy breaches and losses of Customers' data		2	2	1
	Incidents of non-compliance with laws and regulations on		0	0	0
	socio-economic issues
	Fines imposed for non-compliance with the applicable		0	0	0
	regulatory framework in promoting and providing products /
	services
	Social investments (million Euros)		2.4	2.4	2.7
	Alpha Bank Customer Satisfaction Index (t-NPS, %)		-	-	55

• There is no gender pay gap for same level positions.

• 731 people (81% of total departures) used the Voluntary Separation Scheme.

• 507 people (67.51% of total departures) le˜ as part of the process of partial separation of loss-making activities (carve out).

	CORPORATE GOVERNANCE			2018		2020
		2019
	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		15	13	13
	Percentage of women in the Board of Directors (%)		8.3	8.3	15.4
	Percentage of Independent Board Members (%)		38	38	54
	Percentage of Non-executive Independent Board Members		46.7	46.2	61.5
	(%)
	Cases of business ethics violation		0	0	0
	Convicting judgements against the Senior Management for
	any corruption offence		0	0	0
	Convicting judgements against the Senior Management for		0	0	0
	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)

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.