Better Health for All

NBG.US committed €12.5 million to Thessaly region restoration projects, as part of a €50 million total support from Greek systemic banks, demonstrating significant contributions during a crisis.

The company's core banking products and services do not have direct safety implications, health externalities, addiction potential, or relevance to pharmaceutical patents, nutrition, or clinical trials, aligning with a neutral impact for these areas.

Fair Money & Economic Opportunity

National Bank of Greece (NBG) reported zero discrimination or harassment breaches in both 2023 and 2024.

The bank implements proactive fair-lending practices, including a reward program for consistent mortgage loan customers that caps variable interest rates for 12 months, which was extended for a further 12 months in April 2024. NBG also participates in and supports state-sponsored initiatives for affordable housing and home energy upgrades. The company has received Independent Auditor assurance for its 2024 Sustainability Statement and 2023 ESG Report.

Fair Pay & Worker Respect

NBG demonstrates strong performance in collective bargaining, with 100% of employees covered by Collective Labour Agreements in 2024.

The company also has a very low share of insecure contracts, with temporary employees representing 0.95% of the workforce in 2023. A low safety incident rate (IR) of 0.38 was reported in 2023. The CEO pay ratio was 16.4 in 2024, indicating a relatively fair executive-to-employee compensation structure. Voluntary employee turnover was 12.36% in 2024, and employee engagement was 73% in the same year. The company reported zero discrimination or harassment breaches and zero corruption or bribery breaches in both 2023 and 2024, with no relevant fines imposed by Competent Authorities in 2023. However, the total ratio of basic salary of women to men was 0.90 in 2024, indicating a persistent pay gap.

Fair Trade & Ethical Sourcing

As a financial institution, National Bank of Greece (NBG) does not procure or trade physical commodities, making fair-trade certification and materials risk irrelevant to its operations. NBG maintains a zero-tolerance policy for forced and child labor, reporting no substantiated incidents in 2023, and conducts supplier risk assessments.

Since 2013, the bank has included corporate responsibility terms in all invitations for tenders and procurement contracts, a practice confirmed for new suppliers in 2021, 2022, and 2023.

Honest & Fair Business

National Bank of Greece incurred a €10 million fine from the Hellenic Competition Commission.

The company has a Whistleblowing Policy in force, which provides appropriate communication channels for reports from both internal and third-party sources. Its Anti-Bribery and Anti-Corruption Policy was revised in the first half of 2021 and communicated to all employees and governance body members across all regions.

No War, No Weapons

No specific, concrete evidence was found in the provided articles to assess National Bank of Greece (NBG.US) against any of the 'No War, No Weapons' KPIs. The articles primarily focus on NBG's general social responsibility, cultural initiatives, environmental efforts, and financial performance. There is no data on revenue from arms contracts, dual-use technology, sales to embargoed regimes, specific peacebuilding investment as a proportion of revenue, conflict divestment policies, board oversight of defense, export controls, lobbying on arms control, humanitarian procurement standards, human rights due diligence frequency in conflict areas, Arms Trade Treaty compliance, AI military safeguards, dual-use screening, surveillance transparency, ethical red lines for weapons, exposure to controversial weapons, war-risk audit results, annual conflict partner reviews, defense divestment, conflict minerals, peace tech investment ratio, conflict zone procurement, or ethical red lines compliance rate. While NBG states adherence to UN Global Compact principles

and has a Code of Ethics, the evidence does not provide the specific, quantifiable details required by the rubric for any KPI.

Planet-Friendly Business

National Bank of Greece's total Scope 1, 2, and 3 greenhouse gas emissions for 2024 were 26,191,028 tCO2e.

The company sources 12.17% of its operational energy from renewables in 2024. Its capital expenditure aligned with the EU Sustainable Taxonomy was 3.07% in 2024. NBG reported no non-compliance with environmental laws or regulations and no fines in both 2022 and 2023. NBG has set 2030 science-based targets for its Scope 1 and 2 emissions using SBTi's Absolute Contraction approach, and for six carbon-intensive financed portfolios using IEA NZE 2050 or CRREM Greek 1.5° scenario, with progress tracked against these targets. The company's Sustainability Policy and materiality assessment follow TCFD recommendations, and it integrates climate risk into its ICAAP Framework, conducting C&E risk scenario analysis and stress testing, and participated in the ECB Climate Risk Stress Test. NBG offers a Professional Transition and Support Services program.

Respect for Cultures & Communities

The provided articles do not contain specific quantitative data relevant to NBG.US's respect for cultures and communities. The articles discuss NBG's digital transformation

and general social responsibility initiatives focused on Greek society , but explicitly state the absence of data for the requested metrics, such as formal partnerships, revenue reinvestment, cultural incidents, or cultural impact assessments , , , .

Safe & Smart Tech

National Bank of Greece (NBG) has faced significant regulatory penalties for privacy violations, including a €100,000 fine for GDPR principles (accuracy, integrity, confidentiality, data protection by design and by default)

and an additional €20,000 for violating the right of access, with a final decision in January 2025. An earlier €20,000 fine was imposed for violating GDPR Article 13 due to a lack of information regarding transaction history collection. These issues highlight a lack of user control, as customers could not refuse replacement cards that collected unnecessary transaction history, indicating a failure in data minimization practices. The company was also fined for violating data protection by design principles related to a 2020 mobile app upgrade, which led to unauthorized money transfers for 25 customers. Despite these challenges, NBG has implemented 3-Factor Authentication across all digital platforms, demonstrating a strong commitment to authentication security. The company has reported no significant data breaches in the past three years (2023-2025) and has implemented strong preventative measures, including a new core banking system and advanced fraud detection systems. NBG has a formal AI ethics policy outlining seven themes for responsible AI use, including vigilance against bias.

Zero Waste & Sustainable Products

The company implements numerous waste reduction initiatives, including an Internal Electronic Document Management System that saved approximately 988,000 page prints in 2023

and 1.2 million in 2022 . An e-signature tool further reduced printouts by around 7.5 million in 2023 and 7.3 million in 2022 . The bank is transitioning to a paperless operating model across branches and utilizes a Managed Print Services (MPS) system . Recycling programs for paper, electronic and electrical equipment (EEE), plastic/aluminum, lamps, batteries, and toner have been in place for over ten years , with specific amounts recycled annually . Equipment is also reused or donated, with 2,318 pieces donated in 2023 and 4,400 pieces in 2022 . For hazardous waste, the bank systematically recycles accumulators, small batteries, low-energy light bulbs, and EEE via licensed contractors . The bank reported no non-compliance with environmental laws or regulations and no fines in both 2022 and 2023 . All prospective suppliers are obligated to comply with sustainability requirements, including environmental protection, as stipulated in relevant EU Directives, with documented compliance .