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9M 2024 Financial Results

Conference Call

Friday, 15 November 2024

13:00 Vienna Time (GMT+1)

14:00 Athens Time (GMT+2)

Click here to join the call

Your Partner
of Choice

AUSTRIACARD HOLDINGS AG leverages over 130 years of experience in information management, printing, and communications to deliver secure and transparent experiences for its customers. They offer a comprehensive suite of products and services, including payment solutions, identification solutions, smart cards, card personalization, digitization solutions, and secure data management. ACAG employs a global workforce of 2,500 people and is publicly traded on both the Athens and Vienna Stock Exchanges under the symbol ACAG.

Payment Services | eGovernment & Authentication | Document Lifecycle Management | Book on Demand | Security Printing | Data Intelligence & Analytics |

Our Vision

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Building on our legacy and commitment to social responsibility, we envision a world where our secure, innovative technologies meaningfully connect people, safeguard what they value, and empower communities to thrive.

Our Mission

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To empower our clients with innovative, secure solutions that create enduring value for people, partners, and communities, guided by our commitment to sustainability.

Banking & Fintech
Insurance
Telecoms
Government & Public Sector
Energy & Utilities
Retail
Healthcare
Transportation

Payment Services

  • EMV Cards
  • Metal Cards
  • Sustainable Cards
  • Special Features Cards
  • Biometric Cards
  • Smart Wearables
  • Gift & Loyalty Cards
  • Card as a Service
  • Mobile Payment & Digital Wallet
  • Closed Loop Payment systems
  • Personalization Services
  • e-PIN Services

eGovernment & Authentication

  • Digital Onboarding KYC-KYB
  • Digital Certificates, e-Signatures &
    Registered Communications
  • ID Documents & Cards
  • Transport Document

Document Lifecycle Management

  • Digital Printing
  • Security Printing
  • Billing
  • e-Billing & Registered-Communications
  • Fulfilment Services
  • Document Digitization, e-Archiving & Physical Archiving
  • Optical Character Recognition Integrated Software
  • POS & Receipt ATM reels

Book on demand

  • Publications on Demand

Security Printing

  • Examination Papers
  • Ballot Papers & election Printed Materials
  • Certificates (Civil, Graduate, Vehicle Register)
  • Checks (Banking, Retail, Social Security, Check Gifts) 
  • Tax Stamps
  • Lottery Coupons
  • Drug Authentication &Traceability Labels

Data Intelligence and Analytics

  • Back Office & Process Automation
  • Business Intelligence
  • AI Operations (AI-Ops)
  • Intelligence Data Fabric
  • Regulatory Compliance
  • Real Time Tracking Platforms
  • Data Extraction Software
  • Critical Infrastructure Live- Monitoring
MORE ABOUT SOLUTIONS

N-BIOCARD

N-BioCard is a pioneering payment solution that redefines financial security through state-of-the-art biometric technology. The “N” in N-BioCard stands for “Next Generation,” emphasizing the card’s role in leading advancements in payment technology. It highlights how the card’s integration of advanced biometric features sets a new benchmark for security and convenience in financial transactions, showcasing its position at the forefront of technological innovation.

more

Watch the N-BioCard enrolment process below:

Facts and Figures

0

Production Plants

AUSTRIACARD
Andorra | Austria |
Romania | UK

INFORM
Greece | Romania X2

0

Personalization Centres

EUROPE
Austria | Greece | Poland | Romania | Spain | Türkiye | UK

OUTSIDE EUROPE
USA

0

Sales Offices

Andorra | Austria | Czech Republic | Croatia | Dubai | Germany | Greece | Jordan | Norway | Poland | Romania | Serbia | Spain | Türkiye | UK | USA

0

employees

0 M

Cards every Year

0

years of presence

0

B2B Clients over 50 Markets

0 M

Banking Cards
personalized annually

0 B

Digital communication
outputs every year

Our Team in the Seamless Africa 2024 Event. 16-17 October 2024.
Our Team in the Seamless Africa 2024 Event. 16-17 October 2024.
Our team in the Money2020 event 2024 in Amsterdam.
Our team in the Money2020 event 2024 in Amsterdam.
Our team in Romania presenting our solutions in a Digital Banking Technologies event 2024.
Our team in Romania presenting our solutions in a Digital Banking Technologies event 2024.
Our team in the Seamless Europe Exhibition in Germany presenting our card solutions.
Our team in the Seamless Europe Exhibition in Germany presenting our card solutions.
Our team in Turkey showcasing the group’s Banking Solutions.
Our team in Turkey showcasing the group’s Banking Solutions.
Our team in Vienna representing our Embedded Security Payment solutions in an event.
Our team in Vienna representing our Embedded Security Payment solutions in an event.
Our team in Greece showcasing our best practices at the Bank Management event.
Our team in Greece showcasing our best practices at the Bank Management event.
Our team in Romania receiving a Digital Transformation Excellence Award on behalf of the AUSTRIACARD HOLDINGS Group
Our team in Romania receiving a Digital Transformation Excellence Award on behalf of the AUSTRIACARD HOLDINGS Group
September 24, 2024
Athens, Greece

10th ShipIT Conference
October 14–16, 2024
Zadar, Croatia

Smart Payment & Card 2024
October 16–17, 2024
Johannesburg, Africa

Seamless Africa
October 24, 2024
Athens, Greece

19th IT Directors Forum
Load More
January 29, 2025
Athens, Greece

8th InsurTech Conference

Press releases

AUSTRIACARD HOLDINGS AG strengthens Technology Portfolio with acquisition of UK's LSTech

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AUSTRIACARD HOLDINGS AG revenues and profitability growth accelerates in H1 2024

read more

AUSTRIACARD HOLDINGS is a strong multinational technology company in payments & digital security

read more

all press releases

Sustainability

At AUSTRIACARD Holdings, we are committed to innovation and sustainability. As a leading tech company, we harness cutting-edge technology to create solutions that empower our customers and drive progress.

We proudly operate three state-of-the-art production sites, each equipped with solar panels that harness the power of the sun. This initiative not only reduces our carbon footprint but also reflects our dedication to a greener future.

Our green efforts don’t stop there. We are responsible producers who prioritize environmental stewardship by recycling PVC and mixed material waste. Additionally, we offer sustainable cards such Cards made from recycled PVC, and Corn based (PLA) Cards, showcasing our commitment to innovative, eco-friendly solutions.

Join us on our journey towards sustainable technology, where we blend efficiency with environmental responsibility. Together, we can build a brighter tomorrow!

Solar panels at our Vienna site, contributing to our commitment to renewable energy and sustainability.
Solar panels at our Vienna site, contributing to our commitment to renewable energy and sustainability.
Solar Panels at our Romanian site.
Solar Panels in our Romanian site.
AUSTRIACARD CORPORATE PRESENTATION
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Investor Relations

OUR OFFICES

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USA

TAG Systems USA, Inc.
200 Industrial Way W, Eatontown, NJ 07724
United States

T    +1 732 542 3500

SPAIN

Tag Systems Smart Solutions S.L.U
C/ Madrid, 48.
28813 Torres de la Alameda (Madrid) SPAIN

T   +34 91 886 31 27
F   +34 91 830 86 33

UNITED KINGDOM

32 Marathon Place
Moss Side Industrial Estate
Lancashire, England
United Kingdom

T   +44 (0)1772 431888

NORWAY

TSG Norway AS
Mellomvika, 1
8622 Mo i Rana
NORWAY

T    +47 75 19 90 05
F    +47 75 19 90 01

GERMANY

GNC CardServices Gmbh
Oldenwaldstr. 19
63263 Neu-Isenburg

T    +49 61 02 816 800

CZECH REPUBLIC

Okružní 374
252 50 Vestec
Tschechien

T    +420 724 626 615

POLAND REPUBLIC

Tag Systems sp. z o.o.
ul. Annopol 4A bud. F
03-236 Warszawa
 Poland


T    +48 22 295 05 50

F    +48 22 620 43 10


AUSTRIA

Lamezanstraße 4-8 1230 Wien, Österreich

T    +43 1 610 65-0
F   +43 1 610 65-700

Sales:
T    +43 1 610 65-110

SLOVAKIA

Okružní 374
252 50 Vestec
Tschechien

T    +420 724 626 615

CROATIA

Jurja Denzlera 28
10000 Zagreb, Croatia


T    +385 95 529 47 70


SERBIA

Dunavski Kej 9 11000 Belgrade

M   +43 69 91 23 75 275

ROMANIA

Odai Street 347-363 Sector 1 RO-013604 Bucharest
AUSTRIACARD

T   +40 214 084 545
F   +40 372 251 725

INFORM
T: +40 214 084 593
F: +40 214 043 799

GREECE

5th km Vari-Koropi Avenue,Koropi
194 00, Greece

T    +30 21 066 97 800

TURKEY

Atatürk Bulvarı, Deposite İş Merkezi A6 Blok

T   +90 212 407 00 19
F   +90 212 407 00 98

JORDAN

Muhammad Ali Bedeir St., Amman, Jordanien

M   +962 796 188 911

DUBAI

Dubai Digital Park – Office A5
DTEC
Dubai Silicon Oasis
Dubai
UAE

T   +971 50 640 9484

ANDORRA

Tag Systems SA
Ctra. de la Comella, 49
AD500 Andorra La Vella
ANDORRA

T +376 879 600
F +376 879 606

Our Group

History
Facts & Figures
Management Board
Supervisory Board
Sustainability

Our Solutions

Payment Services
eGovernment & Authentication
Document Lifecycle Management
Book on Demand
Security Printing
Data Intelligence & Analytics

Socials

LinkedIn

Socials
LinkedIn

 

Contact

+43 1 61065 – 0

General inquiries:
info@austriacard.com

Marketing & Communications:
marketing@austriacard.com

Sales inquiries: 
sales-info@austriacard.com

Join our Team:
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Copyright © 2019-2024 AUSTRIACARD HOLDINGS AG

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DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here
DISCLAIMER

You should read the following important notice before accessing, reading or using in any way the Prospectus on this website.

This Prospectus of the company under the corporate name “AUSTRIACARD HOLDINGS AG” (hereafter the “Company”) which can be accessed through this link (https://www.nbg.gr/el/footer/enimerwtika-deltia) of the website of NATIONAL BANK OF GREECE S.A., was approved by the Board of Directors of the Hellenic Capital Market Commission on 24.01.2023 and relates to the dual listing of the shares in the Company on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, including (a) the existing shares in the Company and (b) the new shares in the Company to be issued in the context of a capital increase due to the merger by absorption by the Company of the company under the corporate name “INFORM P. LYKOS HOLDINGS S.A.” (hereinafter collectively referred to as the “Shares”).

The Prospectus is not published in relation to and does not constitute offer of Shares by or on behalf of the Company.

The Prospectus was approved by the Board of Directors of the Hellenic Capital Market Commission following its transfer by the Austrian Financial Market Authority pursuant to article 20(8) of Regulation (EU) 2017/1129, in connection with the information that must be furnished to investors as required under Regulation (EU) 2017/1129, Greek law 4706/2020 and Delegated Regulations (EU) 2019/979 and 2019/980, as amended and in force. The aforementioned approval shall not be considered as an endorsement of the Company and the quality of the Shares that are the subject of the Prospectus. Investment in the Shares entails risks. Investors should make their own assessment as to the suitability of investing in the Shares.

The Prospectus will be valid for one (1) year from the date of its approval by the Board of Directors of the Hellenic Capital Market Commission. Each significant new factor, material mistake, or material inaccuracy relating to the information included in the Prospectus which may affect the assessment of the Shares in the Company and which arises or is noted between the time when the Prospectus is approved and the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange, will be included in a supplement to the Prospectus which will be published in accordance with article 23 of the Regulation 2017/1129 on the Prospectus, in accordance with at least the same arrangements made for the publication of the Prospectus. No obligation for the publication of a supplement to the Prospectus applies after the commencement of trading of the Shares on the Regulated Market of the Athens Exchange and the Regulated Market of the Vienna Stock Exchange.

Distribution of the Prospectus and any other documents or information contained in this link and this webpage may be in general restricted by the law and the regulatory framework applicable in some countries. This webpage and its content do not in any way constitute an offer for sale or solicitation to buy any securities in any jurisdiction where such offer or solicitation is unlawful under its applicable legislative and regulatory framework.

Finally, investors outside of Greece and Austria or investors subject to the relevant legislation and jurisdiction of other countries may be prohibited to exercise any rights deriving from the Shares, regardless of whether they acquire Shares in any way. If you are viewing this website from the USA, Canada, South Africa, Australia, Japan and / or any other country other than Greece and Austria, where the information provided in the Prospectus is not permitted by the law, please leave this website.

See the document here