Green solutions and digital channels

Promoting green solutions through digital transformation

Through our constantly evolving digital channels, our clients can carry out most of their transactions securely online from their computer or mobile. Our clients carry out 65% of their daily transactions through digital channels. In 2021 users completed 19% more transactions through e-Banking (+20% in transaction value). 

To streamline our clients’ daily transactions, we incorporated new options in the myAlpha Mobile app. Our advanced applications that turn your mobile into a banking hub were awarded in the Mobile Excellence Awards 2021: 

• Gold award for myAlpha Mobile and the opening of a first account, in the “Integration of Mobile in a Multi-Channel and Omni-Channel Strategy” category. 
• Gold award for myAlpha Mobile and the opening of a first account, in the “Mobile Digital Transactions” category. 
• Gold award for bizpay, in the “New Business Services through Mobile” category. 
• Bronze award for myAlpha Wallet, in the “UI/UX” category. 

With strong environmental awareness, we design and promote services that respect the environment, reduce paper use and improve both our own and our clients’ ecological footprint: 

• Alpha e-statements – Digital statements for accounts, credit cards, mortgage and personal loans. 
• Online products – Personal loans, cards, time deposits, insurance products. 

Supporting the green transition of households

Energy saving 

Our financing solutions meet the needs of our retail clients with a deep sense of respect for the environment: 

• Exoikonomo – Participation in the Renovate my home and save energy – for young people and Exoikonomo 2023 programmes for financing the energy efficiency upgrading of residential property.
• Alpha Green Solutions – Green loan for the home – Personal loan to improve the energy efficiency of your home or install home solar panels with a view to reducing your energy footprint. 
• Alpha Green Solutions – Loan for electric car – Personal loan for hybrid or electric car, or other green vehicle, without collateral, for transportation that reduces the ecological footprint.
  

In addition, with the Alpha Residence mortgage loan we offer financing up to 90% of the property commercial value and up to 100% of the purchase agreement value for energy class A, A+ properties.

Low-emissions investments 

Contributing to the sustainable development of small businesses

Green entrepreneurship 

We support small businesses in making the most of opportunities for green investments and sustainable development. We offer them products focused on protecting the environment and mitigating climate change: 

• Alpha Photovoltaic – Loan addressed to small businesses wishing to invest in the construction of photovoltaic stations, with a power output up to 1 MW. 
• Green transition RRF loans – Loan from the Recovery and Resilience Facility (RRF) and co-financing by Alpha Bank for projects relating to the green transition of businesses.
• Partnership Agreement 2021-2027 – Integrated solutions with advisory banking services, technical support and financing to upgrade the energy efficiency of businesses, through the SME Green Transition set of actions included in the Competitiveness programme of Partnership Agreement 2021-2027. 

The Energy Upgrade programme offers small businesses a full-service package in all areas of green entrepreneurship, relying on our partner ecosystem: 

• Consulting and know-how about investment performance. 
• Pre-installation site and equipment survey. 
• Financial feasibility of the project. 
• Procedural issues. 
• Project implementation. 
  

Social impact loans 

We participate in programmes that help innovative businesses: 

• Recovery and Resilience Facility (RRF) Loans – RRF loan and co-financing by Alpha Bank for projects that boost digital transformation or innovation. 
• Partnership Agreement 2021-2027 – Integrated solutions with advisory banking services, technical support and financing to upgrade the energy efficiency of businesses, through the SME Digital Transformation set of actions included in the Competitiveness programme of Partnership Agreement 2021-2027. 
• Just Transition Development Portfolio Fund – Financing with favourable terms for SMEs in Western Macedonia or selected municipalities in the Peloponnese with 2 programmes, for the transition to the post-lignite era.

At the same time, we support the educational sector through the Alpha Pre-Schooling social loan financing solution for nursery schools and daycare centres that are members of POSIPS.