Chair (Independent Non-Executive Member)
Dimitris C. Tsitsiragos
Year of birth: 1963
Nationality: Greek
He holds a BA in Economics from Rutgers University, USA, and an MBA from the George Washington University, USA. He completed the World Bank Group Executive Development Program at the Harvard Business School, USA. He worked for 28 years at the International Finance Corporation (IFC), World Bank Group. He held progressive positions in the Oil, Gas and Mining and in the Central and Eastern Europe Departments, including the positions of Manager, Oil and Gas, and Manager, Manufacturing and Services, based in Washington, D.C., USA (1989-2002). Furthermore, he held director positions for South Asia (New Delhi, India), Global Manufacturing and Services (Washington, D.C.) and Middle East, North Africa (Cairo, Egypt) and Southern Europe, overseeing IFC’s global and regional investment operations (2002-2011). In 2011, he was promoted to Vice President, EMENA region (Istanbul, Turkey) and in 2014 he was appointed Vice President Investments/Operations (Istanbul/Washington). He served as a Senior Advisor, Emerging Markets at Pacific Investment Management Company (PIMCO) in London, UK (2018-2022). He previously served as a non-executive independent Board member at the Infrastructure Development Finance Company (IDFC), India, and at the Commercial Bank of Ceylon (CBC), Sri Lanka. He is a member of the Board of Directors of Titan Cement International. He has been a Member of the Board of Directors since July 2020.
EXECUTIVE MEMBERS
CEO
Vassilios E. Psaltis
Year of birth: 1968
Nationality: Greek
He holds a PhD in Banking and a MA in Business and Banking from the University of St. Gallen in Switzerland. He held various senior management positions at ABN AMRO Bank’s Financial Institutions Group in London and at Emporiki Bank wherein he has worked as Deputy (acting) Chief Financial Officer. He joined Alpha Bank in 2007. In 2010 he was appointed Group Chief Financial Officer (CFO) and in 2012 he was appointed General Manager. Through these posts, he spearheaded capital raisings of several billions from foreign institutional shareholders, diversifying the Bank’s shareholder base, as well as significant mergers and acquisitions that contributed to the consolidation of the Greek banking market, reinforcing the position of the Bank. He has been a Member of the Board of Directors since November 2018 and Chief Executive Officer since January 2019. In 2019 he was elected member of the Institut International d' Études Bancaires (IIEB). He is a Member of the Board of Directors and of the Executive Committee of the Hellenic Federation of Enterprises (SEV) since July 2021. In October 2021 he was elected member of the Board of Directors of Hellenic Bank Association (HBA).
Deputy CEO
Lazaros A. Papagaryfallou
Year of birth: 1971
Nationality: Greek
He studied Business Administration at the Athens University of Economics and Business and holds an MBA in Finance from the University of Wales, Cardiff Business School. He started his career at Citibank and ABN AMRO and he joined Alpha Bank in 1998, as Manager of the Corporate Development, International Network and Strategic Planning Divisions. On 1.7.2013 he was appointed Executive General Manager of the Bank and contributed to implementing the Group’s Restructuring Plan, strengthening the Bank’s capital, and designing and closing mergers, acquisitions and portfolio transactions. During his career he has served as Chairman and Member of the Boards of Directors of various Group Companies, both in Greece and abroad, in the banking, insurance, financial services, industrial and real estate sectors. On 2.1.2019 he was appointed Chief Financial Officer (CFO) for the Group and on 23.7.2024 Deputy CEO. He has been a Member of the Board of Directors since February 2025.
NON-EXECUTIVE MEMBER
Annalisa Areni
Year of birth: 1967
Nationality: Italian
She studied Business and Economics and holds a Master’s degree in Banking and Financial Communication from Università Cattolica del Sacro Cuore (Milan). Additionally, she attended the Business Leaders for Transform and Lead Change Programme at IMD Business School – International Institute for Management Development (Lausanne). She has more than 30 years of experience in the banking and financial sector. Starting from 1994, she held progressive positions at Credito Italiano SpA, including the role of Head of Personal Banking Segment in Lombardy Region (January 2000 - September 2002). Since September 2002, she has been working at UniCredit SpA, where she has held various management positions, including Market Manager – Milano, Cordusio (September 2002 - September 2008), Regional Co-Director – East Lombardy (September 2008 - October 2010), Head of Customer Satisfaction – Lombardy Region (November 2010 - December 2012), Area Manager – East Milan (January 2013 - December 2015), Area Manager – Brescia and Province (January 2016 - December 2016), Head of Retail – Lombardy Region (December 2016 - June 2019) and Regional Manager of Southern Italy (June 2019 - September 2022). Furthermore, she was a member of the Board of Directors of CNP Vita SpA (until June 2024). Since September 2022, she has been serving as Head of Client Strategies (Italy) at UniCredit SpA. She has been a member of the National Council of ABI and a Member of the Board of Directors since February 2025.
INDEPENDENT NON-EXECUTIVE MEMBERS
Elli M. Andriopoulou
Year of birth: 1975
Nationality: Greek
She holds a BA in Psychology from the American College of Greece (Deree College) and an MBA from the Kellogg School of Management, Northwestern University (USA). She commenced her career at Citibank NA (Athens, Greece) (1996-1999) and then worked as a consultant (2000-2003) at Mercer Management Consulting (currently Oliver Wyman), (USA). Afterwards, she re-joined Citibank International Plc (Athens, Greece) (2004-2012), where she held various positions, including those of Sales Development Manager, Branch Expansion Project Manager, Strategy and Development Manager, Customer Interaction Unit Head, Customer Advocacy and Segment Management Head as well as Marketing Director. Subsequently, she served as Co-Chief Operating Officer (2013) at the Stavros Niarchos Foundation, as Chief Operating Officer (2014-2015) of the Stavros Niarchos Foundation Cultural Center (SNFCC) and as SNFCC Grant Manager (2016-2020). Since 2020, she has been Chairwoman and Managing Director of the SNFCC. She has been a Member of the Board of Directors since January 2022. She is also a Member of the Audit Committee and of the Corporate Governance, Sustainability and Nominations Committee.
Aspasia F. Palimeri
Year of birth: 1973
Nationality: Greek
Panagiotis I.-K. Papazoglou
Year of birth: 1959
Nationality: Greek
He holds a BSc in Economics and an MA in Economic Theory and Policy from the Athens University of Economics and Business (Greece) as well as an MBA in Finance and Management form the University of Aston, Birmingham (UK). Additionally, he attended the EY Journey to the Boardroom program issued by Harvard Business Publishing (2022). He commenced his career in 1988 at Ernst & Whinney (which was renamed Ernst & Young in 1991), where he was a Partner from 2000 to 2022. He acted as the Engagement (signing) Partner in a number of large Group audits, and the audit of a number of large shipping groups, preparing them for listing on the US and the UK stock markets (2000-2005). He served as Country Managing Partner, Head of Assurance at EY Bulgaria, Sofia (2005-2007) and as Head of Assurance at EY Romania, Bucharest (2008-2010), where he led a number of major assurance and advisory audit projects for international clients. Furthermore, he served as Managing Partner of EY (Ernst & Young) Greece and Southeastern Europe (Greece, Romania, Bulgaria, Cyprus, Albania, Malta, Kosovo, FYROM, Moldova) from 2010 to 2022 and from January 2015 to December 2021, he was the Accounts Leader for Central, Eastern and Southeastern Europe and Central Asia. He was a Senior Advisor to EY Greece, retiring from EY on June 22, 2023. He was a Certified Auditor in Greece and in Romania. He was a member of the Supervisory Council of the Institute of Certified Public Accountants of Greece and a member of the Board of Directors of the American-Hellenic Chamber of Commerce. He is a member of the Executive Committee of the Foundation for Economic and Industrial Research (IOBE) as well as Vice-Chair of the Citizens’ Movement for an Open Society. He has been a Member of the Board of Directors since July 2023. He is also Chair of the Audit Committee and a Member of the Remuneration Committee.
Year of birth: 1949
Nationality: French
He studied Engineering at the École Centrale des Arts et Manufactures, while he holds a DES (Diplôme d’Études Spécialisées) in Economics (1974) from the University of Paris I, France. Additionally he holds a DEA (Diplôme d’ Études Approfondies) in Statistics and a DEA in Applied Mathematics from the University of Paris VI. After starting his career at BIPE (Bureau d’Information et de Prévisions Économiques), he served in the French public sector (1978-1983) and then worked at Banque Indosuez-Crédit Agricole (1983-2001), wherein he held various senior management positions, including the positions of Chief Economist, Head of Corporate Planning and Head of Asset-based Finance and subsequently he became General Manager. He served as Chairman and CEO of the Banque Audi France (2002-2005) as well as Chairman of the Banque Audi Suisse (2002-2004). Furthermore, he served as Head of France at the Bank of Scotland (2005-2009). Between 2009 and 2017, he worked at Natixis in various senior management positions, such as Head of the Structured Asset Finance Department and Head of Finance and Risk, second “Dirigeant effectif” of the company alongside the CEO (2012-2017). As of 2017 and until April 2022, he served as Senior Advisor of Natixis’ CEO, while chairing the Credit Risk Committee and supervising the main restructuring operations (impaired assets). He is currently a member of the Board of Directors and a member of the Audit and Risk Committee of EFG-Hermes, Egypt, a member of the Board of Directors of Natixis Algérie and Chairman of the Natixis Foundation for Research and Innovation. He has been a Member of the Board of Directors since June 2018. He is also Chair of the Risk Management Committee and a Member of the Audit Committee.
Year of birth: 1973
Nationality: British
She holds an MA (Cantab) from the University of Cambridge, UK, and an MBA from the Harvard Business School, USA. She commenced her career in 1995 at the UK Government’s Department of Trade and Industry, focusing on the Communications and Information Industries policy, and subsequently held roles as a strategy consultant with Booz Allen Hamilton’s Tech, Media and Telco practice and with the Institutional Equity Division of Morgan Stanley. Since 2005, she has held various roles, including Global Head of Professional Publishing and Global Head of Strategy, Investment Advisory at Thomson Reuters (now London Stock Exchange Group). Afterwards, she joined the team founding FinTech startup Credit Benchmark, becoming its CEO (2012-2016). Then, she served as Head of Innovation at Deutsche Bank (2016-2018) and as Chief Digital Officer at UBS (2019-2020). She served as a non-executive member of the Board of Directors of Itiviti Group AB (July 2020 - May 2021) and as a member of the Supervisory Council of Luminor Group (April 2022 - October 2023). Since 2018 she has served as a non-executive member of the Board of Directors of specialty (re)insurer Axis Capital, also a member of the Human Capital and Compensation Committee and of the Corporate Governance, Nominating and Social Responsibility Committee. Since 2024 she has served as an independent non-executive member of the Board of Directors of Euroclear SA/NV, is a member of the Audit and Risk Committees, and since January 2025 chairs the newly-formed Technology Committee. Ms. Hardwick is also an external member of the Audit Committee of the University of Cambridge as of January 2021. She has been a Member of the Board of Directors since July 2020. She is also Chair of the Corporate Governance, Sustainability and Nominations Committee and a Member of the Risk Management Committee.
Diony C. Lebot
Year of birth: 1962
Nationality: French and Greek
She holds an MA in Management from Pantheon-Sorbonne University, (France) and an MSc in Finance and Taxation from University of Paris, (France). In 1986 she joined Société Générale, where she has held various senior management positions such as Vice President and Director in Asset based and Project Finance (1987-1997), Head of Big Ticket leasing and Asset based Finance (1997-1998), Deputy Global Head of SG Financial Engineering (1998-2001) as well as Global Head of Asset Finance (2001-2004). She was Head of Coverage Europe (Large corporate and Institutional Clients of SGCIB) (2004-2007), before serving as CEO of SG Americas (US, Canada, Latin America), CEO of SG American Securities (2007-2012) as well as Deputy Global Head of Coverage and Investment Banking and CEO of SG Corporate and Investment Banking for Western Europe (2012-2015). Subsequently, she was the Deputy Group Chief Risk Officer (2015-2016) and the Group Chief Risk Officer (2016-2018). Since 2018 and until the 23.5.2023 she has been the Deputy Group Chief Executive Officer at Société Générale. Since 24.5.2023 until 31.3.2024 she was senior advisor to the CEO of Société Générale. Furthermore, she has held main Board positions over the last 10 years in Franfinance, Société Générale Bank and Trust (SGBT), Société Générale Factoring (previously CGA) and TCW (Asset Management company based in LA – California), Chair of the Board of Directors of Sogecap and of Ayvens (former ALD Automotive). She is a Non-Executive Member of the Board of Directors of Ayvens (former ALD Automotive) and a Non-Executive Member of the Board of Directors and Chair of the Audit Committee of EQT AB. She has been a Member of the Board of Directors since July 2023. She is a Member of the Risk Management Committee and of the Corporate Governance, Sustainability and Nominations Committee as well as an NPL Expert.
NON-EXECUTIVE MEMBER
Johannes Herman Frederik G. Umbgrove
Year of birth: 1961
Nationality: Dutch
He holds an LL.M. in Trade Law (1985) from Leiden University and an MBA from INSEAD (The Business School for the World), Fontainebleau (1991). Additionally, he attended the IN-BOARD Non-Executive Directors Program at INSEAD. He worked at ABN AMRO Bank N.V. (1986-2008), wherein he held various senior management positions throughout his career. He served as Chief Credit Officer Central and Eastern Europe, Middle East and Africa (CEEMEA) of the Global Markets Division at The Royal Bank of Scotland Group (2008-2010) and as Chief Risk Officer and member of the Management Board at Amsterdam Trade Bank N.V. (2010-2013). From 2011 until 2013 he was Group Risk Officer at Alfa Bank Group Holding. He was Risk Advisor at Sparrenwoude B.V. He has been a member of the Supervisory Board of DHB Bank N.V. [former Demir-Halk Bank (Nederland) N.V.] since 2016 and in 2018 he became the Chairman of the Supervisory Board thereof. He is currently the Chair of the Supervisory Board, Chair of the Nomination and Remuneration Committee as well as a member of the Risk and Audit Committee and of the Related Party Transactions Committee of DHB Bank N.V. Furthermore, since December 2019 he has been an independent member of the Supervisory Board and as of 1.1.2022 he has been the Chairman of the Risk Committee and the Audit Committee of Lloyds Bank GmbH. Additionally, he is a director of the Parel van Baarn Foundation and a member of the Management Committee of the Aston Martin Owners Club. He has been a Non-Executive Member of the Board of Directors of the Bank since April 2018 (representative of the Hellenic Financial Stability Fund from April 2018 until November 2023). He is a Member of the Audit Committee, of the Remuneration Committee and of the Corporate Governance, Sustainability and Nominations Committee.
SECRETARY
Eirini E. Tzanakaki
She was born in Chania, Greece in 1971. She holds a BSc in Mathematics from the University of Crete, an MBA from the Cyprus International Institute of Management as well as an MSc in Finance and Banking from the Athens University of Economics and Business. From 1997 to 1999, she worked as a Senior Credit Officer at the Corporate Banking Division of Geniki Bank. Since 1999 she has been working for the Alpha Bank Group, initially as an Investment Banker in Alpha Finance and from 2006 until 2020 as an Associate Director of the Corporate Finance Division of Alpha Bank. She joined the Secretariat of the Board of Directors (now Corporate Secretariat and Governance Policies Business Area) in May 2020 as an Assistant Manager of the Division. In August 2022, she was appointed Head of Corporate Secretariat and Governance Policies (as of 1.1.2024 Corporate Secretariat and Governance Policies Director). In December 2021, she was appointed Secretary of the Board of Directors. She has more than 20 years of professional experience in the investment banking industry in Greece, having participated in a large number of international and domestic capital market transactions as well as privatizations, Mergers and Acquisitions, tender offers and corporate restructurings.