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Principles and policies

Published on:

20 October, 2025

Corporate Governance is a system of principles and practices under which the Bank is organized, operated and managed in order to safeguard and satisfy the legitimate interests of all those associated with it.

CrediaBank applies principles of corporate governance, seeking transparency in its communication with its Shareholders, Executives, Employees, Partners, Contractors and Suppliers and the direct and continuous information of the investing public. By making continuous efforts to consistently meet the expectations of Customers and the State, CrediaBank implements the regulatory framework relating to the financial sector and in particular those applicable to the fight against corruption.

As part of effective Corporate Governance, the Bank has separated the duties of the Chairman from those of the CEO and implements a comprehensive system of internal control in the Group in accordance with international standards and the applicable regulatory framework.

CrediaBank has adopted the Greek Corporate Governance Code of the Hellenic Corporate Governance Council.

The Board of Directors has adopted, among others, the following:

Code of Ethical Conduct & Ethics

The General Principles that are based on the Principles of Corporate Governance and establish the values of integrity, fairness, entrepreneurship, professionalism, transparency, social and environmental responsibility, respect for human rights, prompt and positive response, teamwork and compliance responsibility.

CrediaBank Remuneration Policy

The ultimate responsibility for the effectiveness of which rests with the Bank’s Board of Directors. In order to fulfill its duties, the Board of Directors adopts the above Policy, which binds its Members, the Management, the Bank’s and the Subsidiary Companies’ Executives and all the Group’s staff, as well as the external consultants and experts from time to time.

Policy for Related Parties and Connected Borrowers

This policy records the rules applied by the Bank for creditors having a “Special Relationship” and “Connected Borrowers” with the Bank, as defined in the regulatory (legislative, regulatory, supervisory) framework and in particular in the PD/TE 2651/2012, as applicable. In particular, the definition of creditors with a “Special Relationship” and “Associated Creditors”, their identification procedure, the evaluation criteria, the approval procedure and the framework for monitoring their credit approvals are described in detail.

Conflict of Interest Policy for Board Members and Senior Management

This policy sets out how actual or potential conflicts of interest between the Bank, Board members and Senior Managers are controlled and managed in accordance with the applicable regulatory framework. The Compliance and Corporate Governance Division is committed to communicating the policy to the Board members of all the Bank’s subsidiaries.