In reply to your letter with ref. No.3513/25.01.2006, we notify you the following:

In reference with articles of the newspapers, ¨KATHIMERINI¨ and "EXPRESS" of 24/01/2006, we point out that Geniki Bank has no obligation to comment on assessments of journalists or analysts in relation to the financial results of the Bank and its Group. It is reminded that the results of 2005 will be announced on February 28, 2006.