EFG Eurobank Ergasias will release the financial results for the full year to 31 December 2002 on Thursday, February 27, 2003, following the close of the Greek market. On the same day the management will host a conference call to present and discuss the results at 17:00 Greek time / 15:00 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, 27 February 2003
Time: 17:00 Greek time/15:00 UK time
Dial-in tel: + 44 (0) 207 769 6432 (Europe) Alternative Irish dial-in: + 353 1 4390432
+ 1 847 413 3586(US)
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, and will last approximately one hour.

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 5 working days following the call. The telephone numbers for this are:

UK / Europe: + 44 207 769 6425, Alternative Irish dial-in: +353 1 2400041
US: +1 630 652 3000.
Access code: 212746#