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Organizational Structure

Panayotis (Takis) - Aristidis   Thomopoulos

Chairman of the BoD (Non Executive)

CV

Mr. Panayiotis-Aristidis Thomopoulos has significant experience of 40 years in the financial sector and deep knowledge of European banking regulatory framework, having served, among others, for a number of years, as Deputy Governor of the Bank of Greece, Chair of Eurobank, independent non-executive member of the Board of the National Bank as well as Executive Chairman of the Hellenic Financial Stability Fund.

 

Leonidas   Fragkiadakis

CEO

Chairman of the Executive Committee

 

CV

Leonidas Fragkiadakis was appointed General Manager of Treasury and Global Markets at National Bank of Greece in January 2009.

He is a member of the Board of National Securities and Chairman of the Hellenic Chapter of Forex Club/ACI.

During the years 2003-2009 he worked for NBG Group as Group Treasurer, while from 1996 till 2003 he was responsible for the Derivatives Division of the bank.

He worked at Credit Suisse First Boston in New York as a Trader with extensive experience in foreign derivative products, interest rates and emerging market bonds.

L. Fragkiadakis holds a Bachelor’s Degree in Economics from Trinity College, Cambridge University (UK) and an MBA from the Wharton School of Finance of the University of Pennsylvania (USA).

Dimitrios   Dimopoulos
Deputy CEO

Member of the Executive Committee

CV

Dimitrios G. Dimopoulos was elected Executive Member of the Board of Directors and Deputy CEO of the National Bank of Greece3 (NBG) in June 2014. ​

Dimitrios G. Dimopoulos was appointed General Manager of Corporate Banking at National Bank of Greece in February 2008 and became Chairman of the Board of Directors at Ethniki Insurance Co in July 2012. He is a Member of the Executive Committee of NBG.

He joined National Bank of Greece in 1975. As Director of the Large Corporate Division he was involved in corporate financing as well as project financing of investments in infrastructure, energy and tourism sectors.

He is member of the Board of Directors of NBG Securities S.A., Astir Palace Vouliagmeni S.A., Ethniki Leasing S.A. and Ethniki Factors S.A. and also permanent representative of the Bank at the Board of Directors of the Athens Chamber of Commerce and Industry.

Mr. Dimopoulos holds a Bachelor’s degree in Economic and Political Sciences from the Aristotle University of Thessaloniki and a postgraduate degree in Economics from the University of East Anglia, United Kingdom.

Paul   Mylonas

Deputy CEO

Member of the Executive Committee

CV

Paul Mylonas was elected Executive Member of the Board of Directors and Deputy CEO of the National Bank of Greece3 (NBG) in June 2014.  

Paul Mylonas was appointed Chief Risk Officer in December 2013. He is a Member of the Executive Committee. 

He runs the Investment Committee, and is a member of the ALCO Committee of the Group. He is Vice-Chairman of the BoD at Ethniki Insurance Co, Chairman of the BoD of Vojvodjanska Banka AD, Non-Executive Chairman of the BoD of NBG Cyprus Ltd and serves on the Boards of Directors of: Finansbank A.S., Astir Palace Vouliagmenis S.A., NBG Asset Management, National Securities and United Bulgarian Bank AD. Moreover, he is a member of the Economic Advisory Board of the Hellenic Banks’ Association. 

In July 2012 he was appointed General Manager of Strategy and International Operations. From December 2010 until July 2012 he served as General Manager of Strategy and Governance. From April 2004 to December 2010 he was General Manager of Strategy and Research, Head of Investor Relations and Chief Economist of NBG Group, which he joined in 2000. 

From 1995 to 2000, he worked as Senior Economist in the Economics Department of the OECD. During 1999-2000 he served as the OECD representative at the G-10 Secretariat. During the period 1987-1995, he worked at the International Monetary Fund as Senior Economist. In the years 1985-1987, he was visiting Assistant Professor at the Department of Economics in Boston University.

P. Mylonas holds a Bachelor of Science in Applied Mathematics-Economics (Magna cum Laude and Phi Beta Kappa) from Brown University, as well as a Master of Arts and a Ph.D. in Economics from Princeton University.

Panοs   Dasmanoglou

General Manager - Group Chief Compliance Officer and Corporate Governance Officer
Secretary of NBG Board of Directors and of its Committees

Member of the Executive Committee  (without voting right)

CV

Panos Dasmanoglou, born 1963 in Athens, has been an executive at the National Bank of Greece since 1990. In December 2016 he was appointed General Manager of Group Compliance and Corporate Governance. In June 2015 he was appointed Assistant General Manager of Group Compliance and Corporate Governance, while previously, since September 2013 he served as Assistant General Manager of Group Compliance. In parallel, in January 2014 he was elected Secretary of the Bank's Board of Directors and of its Committees.

Since July 2009 he served as Director of the National Bank of Greece Group Compliance Division, where he was responsible for the Group's compliance with the legislative and regulatory framework. As part of the various executive-level positions he has assumed throughout his career as a lawyer at the National Bank of Greece Legal Services Division, he has handled significant matters relating to the integration of European banking legislation in the Bank's activities, domestic and international credit operations and M&A activity, thereby gaining substantial experience across a broad spectrum of banking operations.

For a number of years, he has been an active participant in the workings of the Hellenic Bank Association and the European Banking Federation, specifically in the committees on international banking issues, compliance, consumer issues, anti-money laundering, derivatives and repos. Further, he serves as member on the Board of the Hellenic Ombudsman for Banking-Investment Services as well as on the boards of directors of NBG Group companies, namely NBG Securities S.A., Ethniki Factors S.A. and NBG Asset Management S.A.

Panos Dasmanoglou holds a law degree (LL.B) from the University of Athens Law School and a postgraduate degree (Lic.spec.) in European Law from the University of Brussels, while he has also studied banking management at INSEAD Graduate Business School. Additionally, he has received international certifications in the field of international financial law and Compliance in banking.

 

Dimitrios   Kapotopoulos

General Manager of Corporate Banking

Member of the Executive Committee   

CV

Dimitrios Kapotopoulos was appointed General Manager of the Corporate Banking Division of the National Bank of Greece in July 2015.

He has under his supervision the Bank's Shipping Department and he has been appointed member of the Board of Directors of Ethniki Leasing.

D. Kapotopoulos joined NBG in 1978, initially at the Branch Network.

From 1982 until 1992 he served as credit analyst and has played a constructive role in setting up the Large Corporate Division of NBG in 1993; he was appointed Deputy Director of the Division in May 2008.

Since October 2010 he was Director of the Structured and International Finance Division of NBG.

Since February 2014 he served as Assistant General Manager of Corporate Special Assets at National Bank of Greece.

D. Kapotopoulos holds a Bachelor's Degree in Economics from the Aristotle University of Thessaloniki and has attended several business seminars and workshops in finance and in banking operations.

He has been extensively involved in the fields of credit analysis, corporate banking and international credit. 

 

Ioannis   Kyriakopoulos

General Manager, Group CFO

Member of the Executive Committee​

CV

​Ioannis Kyriakopoulos was appointed Chief Financial Officer of the NBG Group in September 2015. He is member of the Executive Committee and the ALCO.

He worked at the Bank from 1977 until January 2012 when he joined the Hellenic Financial Stability Fund as its Chief Financial and Operating Officer. At the Bank he served as Deputy General Manager of International Activities from April 2011 to January 2012 and as Deputy Chief Financial Officer from April 2009 until April 2011 while from August 2002 to April 2009, he was the Director of the Financial and Management Accounting Division.

He holds a BSc in Mathematics and a BSc in Economics from the University of Athens and an MSc in Statistics and Operational Research from Loughborough University in the United Kingdom.

Alexander   Benos

General Manager of Group Risk Management, Chief Risk Officer (CRO)

Member of the Executive Committee

 

CV

Alexander Benos was appointed General Manager for NBG Group Risk Management in April 2017. He was appointed Chief Risk Officer of NBG Group in June 2015. Since September 2013 he was Assistant General Manager for NBG Group Risk Management.  He joined National Bank of Greece in 2000 as a Senior Risk Associate in charge of systems and models, Risk Analytics and Risk Architecture.  Since 2010, he served as Director of NBG Group Risk Control and Architecture and as Deputy Head of the “Basel II” Project Program for NBG Group. 

 

Dr. Benos was an academic for over 13 years, first as Assistant and then as Associate Professor of the Department of Finance and Economics at the HEC School of Management, France (1993 – 2000) and, finally, as Assistant Professor in the Department of Financial Management and Banking of Piraeus University (2001 – 2006). 

 

He has served as a Board Member of the European Financial Management & Marketing Association (EFMA) for the period 1996-98 and is currently a member of the American Finance Association (AFA), the American Institute of Finance and Management (AIFM), and the French Finance association (AFFI). 

 

Dr. Benos holds a degree in Economic Sciences from Athens University, a B.A. and a M.A. in Economics from the University of Cambridge in the UK and a Ph.D. in Finance from the Graduate School of Business of Stanford University in the USA.

Nelly   Tzakou-Lambropoulou

General Manager of Retail Banking

Member of the Executive Committee

CV

Nelly Tzakou-Lambropoulou was appointed General Manager of Retail Banking at National Bank of Greece in July 2013. She is responsible for Retail Banking, the Branch Network and e-Business & Alternative Channels of the Bank. She is a Member of the Executive Committee of NBG.  

Since December 2012, she held the position of General Manager, Group Head of Operations, Business Processes & IT at the Bank. She joined NBG in July 2007 as General Manager, Group Head of Operations & Global Transaction Services.  

She is Chairman of the BoD at National Securities S.A and at NBG Bancassurance Insurance Broker S.A.; Vice-Chairman of the BoD at DIAS S.A. (Greek ACH) and of the Executive Committee at the Hellenic Bank Association; a member of the BoD at the Athens Chamber of Commerce and Industry, Ethniki Factors S.A and Mastercard Europe Advisory Board. Moreover, she is a council member of EFMA Operational Excellence Advisory Council, as well as a member of "Junior Achievement Greece".

Before joining NBG Group, she worked at EFG Eurobank-Ergasias (1990-2007), where she held the position of General Manager, responsible for the Group Operations and the Global Transaction Services business unit. She was actively involved in bank acquisitions made by EFG Eurobank-Ergasias, both in Greece and abroad, as well as in the functional integration of the acquired banks.  Her banking career started in 1982 when she joined Societé Generale (Athens branch), working in the field of MIS/Budget/Profitability. She was a member of the Board of Directors of EFG Eurobank Securities, EFG Asset Management, EFG e-Solutions, DIAS Inter-banking Systems and the Greek Securities Central Depository. 

N. Tzakou-Lambropoulou holds a Bachelor's Degree in Economics from the University of Piraeus (with honors) and an MBA from the University of Wales & Manchester Business School (Merit award).

Nikos   Christodoulou

General Manager, Group COO

Member of the Executive Committee

CV

Nikos Christodoulou is General Manager, Chief of Operations, at National Bank of Greece since September 2016. 

In September 2013 he appointed General Manager, Group Chief Information Officer, at National Bank of Greece.

He joined NBG in November 2011 as Assistant General Manager, Group CIO. 

Prior to that, he was Partner at Accenture, the global consulting and technology firm, where he was heading the Management Consulting Unit in Greece. He was also heading the Financial Services Unit in Greece. 

During the 15 years of his consulting experience he has worked for many of the largest Financial Institutions in Greece and Eastern Europe, advising on large scale transformation programs, defining IT Strategies, conducting feasibility studies for technology investments, designing new operating and organisation models. 

Since June 2013, he is Chairman of the Hellenic Institute Information and Communication Management of the Hellenic Management Association (HICM-HMA). 

He has served as member of the Board of ICAP S.A. and member of the Advisory Committee of Attica Ventures. 

He has been Chairman of the Greek Information Society Observatory for 4 years and Chairman of the Digital Aid S.A. for 2 years. 

He holds a Bachelor’s degree in Electrical and Computer Engineering from National Technical University of Athens, an MBA from Warwick Business School, UK and a PhD in Decision Systems from National Technical University of Athens. Ηe has also worked as a Research Associate at INSEAD and at the National Technical University of Athens.

Georgios   Triantafillakis

General Manager of Legal Services

Member of the Executive Committee (without voting right)

CV

Georgios Triantafillakis was appointed General Manager of Legal Services in April 2017. He was appointed Assistant General Manager of Legal Services in June 2015, responsible for the supervision and coordination of the activities of the Legal Services Division and external lawyers providing services to the Bank.

Previously, since 2012 he held the position of Director of the National Bank of Greece Legal Services Division, while since 2006 he is Member of the Legal Council of the National Bank of Greece and since 2010 he is Member of the Legal Council of the Hellenic Bank Association. Since 1992 he is Attorney-at-law authorised to practice before the Supreme Court.

During his long career at the National Bank of Greece Legal Services Division, he represented the Bank before high Courts, arbitration tribunals and Authorities, with respect to significant legal cases in Greece and in foreign jurisdictions, involving matters of banking law, criminal law, capital markets law, competition law, European and commercial law.

Georgios Triantafillakis is Professor of Law at the Democritus University of Thrace (DUTH) and Professor at the National School of Judges. He was member of the Competition Commission (for 10 years), and member of legislative committees and legal science societies. He has published monographs, academic writings, and a series of scientific studies in particular sectors of commercial law, while he has been elected Vice-chairman of the Board of the Association of Greek Commercialists.

He is a graduate of the University of Athens Law School (with honors) and holds a doctoral degree in commercial law from the German University of Tübingen Law School.

Marinis   Stratopoulos

General Manager, International Activities

CV

Marinis Stratopoulos was appointed General Manager of International Activities at the National Bank of Greece S.A. in April 2014.

From August 2010 until December 2014 he served as CEO and Chairman of the Board of Directors of NBG's subsidiary in Romania, Banca Romaneasca S.A. From February 2007 until August 2010 he served as CEO and Chairman of the Executive Board of the Serbian subsidiary Vojvodjanska Banka A.D. During 2005–2007 he worked as General Manager at the National Bank of Greece A.D. Beograd. From 2001 to 2005 he worked as CEO and Chairman of the Board of Egnatia Bank (Romania) S.A. and Chairman of the Board of Directors of Egnatia Leasing (Romania) S.A., while in the period January–June 2005 he was Deputy General Manager at Egnatia Bank S.A. During the years 1999–2000 he held managerial positions in Piraeus Bank S.A. and Prime Bank S.A. The period 1993-1999 he worked at Xiosbank S.A. as Director in the Corporate Banking Department.

He is Chairman of the Board of Directors of Banca Romaneasca S.A., Vojvodjanska Banka A.D., Stopanska Banka A.D Skopje, United Bulgarian Bank A.D. and NBG Leasing IFN S.A. (Romania) and Dep. Chairman of the Board of Directors of NBG Cyprus L.T.D.

He holds a degree in Business Administration from the American College of Greece (Deree College) and a Master of Science in Finance from Lancaster University UK.

Petros   Fourtounis

Group Human Resources General Manager  

CV

Petros Fourtounis was appointed Group Human Resources General Manager at National Bank of Greece in June 2015. Previously, he was Group Chief Audit Executive at the Bank from  July 2010 until January 2014, when  he was appointed General Manager of Corporate Special Assets of the Bank. 

He is a member of the Economic Chamber of Greece and the Institute of Internal Auditors. He has been extensively involved in the fields of audit, corporate - project financing and international credit. 

From 2002 to 2010, he held the position of Director in the NBG Divisions of Corporate Banking, Structured and International Finance and Group International Credit. 

In the time period 1984-1999 he worked as Internal Auditor for branches, administration units and subsidiaries of the bank in Greece and abroad. He joined NBG in 1975 and until 1984 he worked in the branch network of the bank. 

He has been a member of the Board of Directors or Executive Credit Committees of several NBG subsidiaries and he was actively involved in the due diligence procedures of foreign bank acquisitions by NBG. 

Ioannis   Vagionitis

General Manager - Chief Credit Officer

CV

Yiannis Vagionitis, was appointed General Manager - Chief Credit Officer in April 2017. He was appointed Chief Credit Officer in July 2015. He is also member of the Board of Directors of Finansbank since January 2014 and member of the Risk Management Committee, the Audit Committee and the Credit Committee of Finansbank.

From October 2010 up to November 2013 he was Head of Corporate Banking-Large Corporate Division of NBG. Additionally, he has served on the Board of Directors of NBG Factors. From May 2008 up to October 2010 he was Head of Credit Division and International Credit Division of NBG Group, while from October 2006 up to May 2008 he was Head of Credit Division of National Bank of Greece.

He joined National Bank of Greece in 2004 under the Group Risk Management Division. During the period 1992-2003 he worked for HSBC, while during 2003-2004 he held executive level positions in the field of corporate banking at the Bank of Cyprus.

He holds a BSc and an MSc in Mechanical Engineering from the University of Manchester Institute of Science & Technology (UMUST) and an MBA from Manchester Business School.

Constantinos   Vossikas

General Manager of Corporate Special Assets

CV

Constantinos Vossikas, born 1968, was appointed General Manager of Corporate Special Assets in April 2017. He was appointed Assistant General Manager of Corporate Special Assets in July 2015. He joined NBG in 2005 as a Credit Risk Manager for Group Risk Management and subsequently as a Senior Credit Officer for Credit Division. Since 2010, he served as Director of NBG Group International Credit and in 2013 he was appointed Assistant General Manager and Chief Credit Risk Officer .

He has been a member of Supervisory Boards of NBG Group International Subsidiaries and NBG Group Senior Credit Committees. Before joining NBG, during the period from 1994 to 2005, he worked in the Corporate Banking Departments of Midland Bank as a Credit Officer and Egnatia Bank, where he held the position of Head of Corporate and Investment Banking. During the period from 1990 to 1994 he worked in the audit departments of Moore Stephens and Arthur Andersen, participating in external and internal audits for companies operating in various sectors of the Greek economy, valuations, feasibility studies etc.

Mr. Vossikas is a Certified Public Accountant, member of the Institute of Certified Public Accountants in Ireland, holds a degree in Accounting and Finance from Deree College and has participated in many seminars held in Greece and abroad.

Vasileios   Kavalos

​Assistant General Manager - Group Treasurer

CV

Mr.  Kavalos, was appointed to the position of Group Treasurer in 2015.  

From 2011 up to 2015 he was the Corporate Treasurer with the main task of securing liquidity and allocating it within the group.

In 2008 he was promoted to Deputy Manager in charge of trading.

From 1999 up to 2005 he participated in the establishment and functioning of the Funding Department of the PDMA

In 1991 he was selected to staff the Dealing Room, while in 1997 he became the chief trader of Sovereign Bonds trading desk.

In 1981 he joined National bank of Greece and served at various departments, in the retail network, for ten years.

He holds a BSc in Business Administration from Deree College of American College of Greece and is a certified Portfolio Manager by Bank of Greece.

Georgios   Kaloritis

General Manager of Internal Audit of the Bank and the Group

CV

​Georgios Kaloritis was appointed General Manager of Internal Audit of the Bank and the Group in April 2017. He was appointed Assistant General Manager and Chief Audit Executive of the Group in January 2014. He joined National Bank of Greece in 2006 as a Director of Internal Audit responsible for the areas of operations, compliance, information systems and several other support functions of the NBG Group. He was in charge of the project team responsible for the integration of NBG Group's Internal Audit Units, the development of a common methodology according to the IIA standards and the implementation of a fully integrated system (EGRC) for the automation of the audit activities.

Before joining the NBG Group he served as the Corporate Security Officer at Eurobank (2003-2006) and as a Partner responsible for the Enterprise Risk Services practice at Deloitte Greece (1996-2003). He started his career in the USA where he served at various managerial positions at Price Waterhouse's Management Consulting Practice in New York and at AT&T's Information Technology Strategy & Data Architecture Unit (1990-1996) in New Jersey.  

He holds an MBA degree in Executive Management form Saint John's University of New York, an MA in Management Information Systems and a BA in Computer Science and Economics as a second major from Queens College of the City University of New York. He is a Certified Internal Auditor (CIA) and a Certified Information Systems Auditor (CISA). He served as the President of the Board of the Hellenic Institute of Internal Auditors (2013-2015) and as the Vice President of the Hellenic Information Systems Audit and Control Association (2002-2004).  

Ioanna   Katzilieri-Zour

Assistant General Manager, Group Marketing and Communications

CV

Ioanna Katzilieri-Zour was appointed Assistant General Manager of Group Marketing and Communications in December 2012. Since June 2006 she was Assistant General Manager of Retail Banking at National Bank, responsible for Marketing, Strategic Marketing and Communication, as well as for the Client Service division. 

 

She is a member of the MasterCard Central Europe Customer Advisory Forum. 

 

Before joining NBG Group, she worked at EFG Eurobank-Ergasias Bank (2004-2006), where she held the position of Assistant General Manager, responsible for Strategic Marketing in Retail Banking. Prior to that, she served as Deputy General Manager at Millenium Bank, responsible for various divisions including Branch Network, Mortgage Lending, Alternative Channels and Marketing (1999-2004). She has also served as Marketing Director in Wind (1998-1999) and Pepsico-Ivi (1995-1998) and started her career working at Procter & Gamble in 1989. 

 

I. Katzilieri-Zour holds a Bachelor of Science in Economics from the University of Bristol and a Master’s of Science in Economics from London School of Economics. During her doctoral studies at Oxford University she worked as a Research Assistant at the Oxford Institute of Economics and Statistics and at the Oxford Energy Institute.

 

George   Koutsoudakis

​Assistant General Manager of Corporate Banking

CV
​George Koutsoudakis was appointed Assistant General Manager of Corporate Banking at National Bank of Greece in January 2014. Just before joining NBG (between January and May 2013) he was Advisor to the Μanagement of Alpha Bank and from May onwards, he was Deputy Commissioner of Probank. During the period from 2007 to 2012 he worked at Emporiki Bank (Group Credit Agricole): between 2007 and 2009 he was Deputy General Manager of Corporate and Investment banking and from 2009 to 2012 he was General Manager, Head of Enterprises, Investment & Private Banking. During the period 2002-2007 he was Deputy General Manager at Geniki Bank (Group Societe Generale). Prior to that he worked in the field of investment banking for ETEBA - Group of NBG (1996-2001) and Alpha Finance - Group of Alpha Bank (1990-1996). 
 
He has held various positions on Boards of Directors. Currently he is a non executive member on the Board of Directors of the Hellenic Republic Asset Development Fund (HRAF) and APIVITA. 
 
Mr Koutsoudakis holds a BSc Economics Honors Degree from Queen Mary College (University of London).

George   Maligiannis

Assistant General Manager, Retail Collections

CV

George Maligiannis was appointed Assistant General Manager, Retail Collections at National Bank of Greece in April 2016.

He was appointed Assistant General Manager of Household Lending at National Bank of Greece in July 2013; he was responsible for Mortgage Credit, Consumer Finance and Credit Cards. 

Since November 2011, he held the position of the Director of Mortgage Credit Division of the National Bank. He has been with NBG since 1999 and has more than 30 years of banking experience. Before joining NBG Group, he worked for the Mortgage Bank of Greece in the IT Department, in the branch network and from 1989 to 1998 as a manager in the Vancouver Representative Office in Canada. 

G. Maligiannis is a graduate in Economics from the University of Athens and holds a Masters’ Degree in Business Administration from Simon Fraser University, Canada. He is also an Associate with the Institute of Canadian Bankers.

Vasileios   Mastrokalos

​Assistant General Manager, Group Strategy

CV

​Vassilis Mastrokalos was appointed Assistant General Manager of NBG Group Strategy in June 2015.

He started his professional carrier at NBG in February 1984. Initially, he worked at the branch network and from 1991 to 2008 at various Desks of NBG Treasury (FX, money markets, capital markets, derivatives), reaching to the position of Head of Trading. During the period 2009-2012 he served as Deputy Director General of the Public Debt Management Agency and from January 2013 till May 2015 he was Head of NBG Debt Issuance and Management Sector.

Born in Athens in 1963, he holds a Bachelor's degree in Economics from the University of Athens and a Master's degree in Economics from the University of Essex (UK). He is married and has two children.

 


 

Konstantinos   Bratos

Assistant General Manager, Corporate Workout & Remedial Management

CV

Konstantinos Bratos, born 1956, was appointed Assistant General Manager, Corporate Workout & Remedial Management of International Activities in NBG in April 2016.

From December 2013 Mr. Bratos held the position of Assistant General Manager of International Activities, having served as a manager of this Division since April 2012.

Mr. Bratos has been the Chairman of NBG Malta Holdings Ltd and NBG Bank Malta Ltd since 2009, of Banka NBG Albania since 2012 and Chairman of the Supervisory Board of Stopanska Banka since 2012. He is also Deputy Chairman of the Board of Directors of Banca Romaneasca and Vojvodjanska and Board Member of UBB. From 2010 to 2012, he held the position of Executive Manager for Corporate & Business Banking at UBB. From 2005 to 2010 he was Manager of International Network Division A’ at NBG. From 2002 to 2005 he held the position of Second General Manager at Stopanska Banka. From 1992 to 2002 he also served as Deputy Manager at the NBG branch in Boston and after that he became Manager at the NBG branches in Belgrade, Sofia and Bucharest. From 1984 to 1992 he worked in the Audit Division at NBG which he joined in 1975 and until 1984 he worked in the branch network of the Bank.

Mr. Bratos holds a BSc in Economics from the University of Piraeus, as well as a MSc in Economic Management, specialization in Marketing Management from Burgas University (Bulgaria).

Dimitrios   Pavlineris

Assistant General Manager, Branch Network

CV

​Dimitrios Pavlineris was appointed Assistant General Manager responsible for Bank's Branch Network in April 2016.

He joined National Bank of Greece in 1978. Since then he has worked at the Branch Network. He has extensive knowledge and experience in banking activities and in Managing Branches of all categories to the highest been.

Being a Regional Manager responsible for a significant number of Branches, accomplished a lot, contributing to Bank's objectives achievement and policies and guidelines implementation.

He holds a degree of the "Graduate School of Industrial Studies" of Piraeus, a Cambridge Certificate of Proficiency in English and he is a member of the Economic Chamber of Greece.

Vasileios   Skiadiotis

​Assistant General Manager of Retail Banking

CV

​Vassilis Skiadiotis, was appointed Assistant General Manager of Retail Banking in June 2015.

He joined the NBG Group in 1984 (following the Bank's public recruitment competition in 1983). Until 1991 he served at the branch network, where he held several positions.

In 1991 he joined the Bank's General Division of Treasury and Global Markets, where he remained until 2015.

From 2011-2015 he held the position of Head of the Global Markets Division, while from 2007-2011 he was Head of Treasury Sales Subdivision. From 1996-2007 he was Head of the Department responsible for designing and offering Treasury products to large corporate clients, while from 1991-1996 he worked as an FX dealer and treasury sales person.

In 2004 he participated as a representative of the National Bank of Greece in the INSEAD Inter Alpha Banking Program.

Mr. Skiadiotis holds a Bachelor's Degree in Civil Engineering from the National Technical University of Athens and a postgraduate degree in Banking, while he is a Certified Portfolio Manager by the Bank of Greece.

George   Frangou

Head of Group Real Estate, Deputy General Manager​

CV

George Frangou was appointed Deputy General Manager – Head of Group Real Estate at National Bank of Greece in March 2014.

From March 2000 to December 2013, he has held several management positions within Eurobank EFG Group, where he served as Finance & Administration Director of EFG e-Solutions (e-Banking, e.commerce b2c), head of Real Estate-Greece and later for the countries of Group Real Estate.

During the period 1993 – 2000 he has held various managerial positions for Johnson & Johnson and METAXA SA.

He has extensive experience in the areas of Real Estate, Operations & Project Management, Finance and IT; he has led reorganizations, with a long track record in leading teams, and setting-up new units and ventures in Greece and SE Europe (green field operations).

George Frangou holds a Bachelor of Science in Economics from the Athens University of Economics & Business and a Master in Business Administration (MBA) from California State University, Bakersfield (USA).​