EFG Eurobank Ergasias will release the financial results for the full year to 31 December 2003 on Thursday, February 26, 2004, after the close of the Greek market. On the same day management will host a conference call to present and discuss the results at 18:00 Greek time / 16:00 UK time.

On behalf of the Bank, we would like to invite you to participate in this event.

The details are as follows:

Date: Thursday, February 26, 2004

Time: 18:00 Greek time/16:60 UK time

UK/European Dial-in tel: +44 (0) 207 784 1020

US dial-in tel: +1 718 354 1157

Irish alternative dial-in tel: +353 (0) 1 478 1010

Verbal Password: 'EFG Eurobank Ergasias' (please call a few minutes before start time)

The conference will include a presentation of the results, followed by a Question and Answer session.

If you are unable to participate, there will be an instant replay service immediately after the call has ended. This service will be available for 7 working days following the call.

The telephone numbers for the replay service are:

UK / Europe: +44 (0) 207 784 1024

US: +1 718 354 1112

Pass code: 302294