INVITATION
OF THE ORDINARY GENERAL MEETING
OF SHAREHOLDERS OF COMMON SHARES OF CrediaBank S.A.
(Reg. No. 255501000)
In accordance with L. 4548/2018 "Reform of the Law on Sociétés Anonymes," as amended and currently in force, Articles 34 and 37 of the Bank's Articles of Association, and following a decision by the Bank's Board of Directors on 29/04/2026, holders of common shares based in Chalandri (260-262 Kifissias Avenue, Postal Code 15231, Chalandri, Attica) of the banking société anonyme company under the name "CrediaBank S.A." (hereinafter the "Bank") to an Ordinary General Meeting, to be held on 22/05/2026, Friday at 10:00 a.m., either with the physical presence of the shareholders at King George Hotel at 3, Vas. Georgiou Avenue A', Athens, or with the participation of shareholders under the terms of Article 125 of L. 4548/2018 remotely in real time via teleconference, using audiovisual electronic means, as specifically set out in this invitation for discussion and decision-making on the following items on the Agenda:
ITEMS OF THE AGENDA
Submission and approval of the Annual Report for the financial year 2025 (01.01.2025 -31.12.2025), that includes the Annual Financial Statements of the Bank on a stand-alone and consolidated basis, as well as the Board of Directors' and the Auditors' Reports.
Approval according to article 108 of L. 4548/2018 of the overall management of the financial year 2025 (01.01.2025 - 31.12.2025) and release of auditors from any liability for the same financial year.
Appointment of the Bank's Certified Auditors' for the financial year 2026 (01.01.2026 -
31.12.2026).
Submission for discussion and voting of the Remuneration Report for the financial year 2025 pursuant to article 112 of L. 4548/2018, and approval of remuneration paid to the members of the BoD for the financial year 2025 (01.01.2025 - 31.12.2025).
Preliminary approval of payment of remuneration to be paid to the members of the Board of Directors for the period until the next Ordinary General Meeting.
Submission of the Annual Report of the Audit Committee pursuant to article 44 of L.
4449/2017.
Submission of the Report of Independent BoD members pursuant to Article 9 of par.5 of
L.4706/2020.
Granting of permission pursuant to article 98 par. 1 of L. 4548/2018 to members of the Board of Directors and the Directors to participate in Boards of Directors or in the Management of Companies that pursue same or similar purposes.
Approval of the amendment of the BoD members' Remuneration Policy.
Approvals in accordance with Article 86 of L. 4261/2014 for executives and executive
members of the BoD of the Bank.
Approval of the share buyback program in accordance with article 49 of L.4548/2018. Authorization to the Board of Directors.
Approval of the distribution of profits to executives and employees of the Bank. Granting of authorizations.
Other Issues - Announcements
In the event that the quorum required by law is not formed for all or certain items on the agenda, the shareholders of common shares are invited to participate in a Repeat Ordinary General Meeting that shall be held on June 3rd, 2026, on Wednesday at 14:00, either in person at King George Hotel at 3, Vas. Georgiou Avenue A', Athens, or with the participation of shareholders under the terms of Article 125 of L. 4548/2018 remotely in real time via teleconference, using audiovisual electronic means.
It is noted that no new invitation shall be published for the Repeat Ordinary General Meeting, in accordance with Article 130, paragraphs 2 and 4 of L. 4548/2018, as in force.
According to the European Commission Implementing Regulation (EU) 2018/1212, the Ordinary General Meeting will be held, taking into account the provisions of the above Regulation.
Pursuant to Article 121(4) of Law 4548/2018, as amended and in force, the Bank informs shareholders of the following:
RIGHT TO PARTICIPATE IN THE GENERAL MEETING
In the Ordinary General Meeting, as well as in the Repeat General Meeting the natural persons or corporate entities are entitled to participate and vote that have the shareholder status at the start of the fifth day before the date of the Ordinary General Meeting (record date), i.e. on 17/05/2026. Each common share confers the right of one vote.
The said record date also applies in the case of a postponed or repeat meeting, provided that the postponed or repeat meeting shall not be later than thirty (30) days from the record date. If any adjourned meeting of the General Meeting is more than thirty (30) days from the Record Date, anyone who has the shareholder status is entitled to participate in accordance with the above at the beginning of the third (3rd) day before the day of the adjourned General Meeting.
For the Bank, any person appearing as a shareholder (i.e. holder of common registered shares of the Bank) registered in the electronic registry of the Bank's dematerialized shares in the Dematerialized Securities System (D.S.S.), managed by the "Hellenic Central Securities Depository" (H.C.S.D.), or those identified as such through registered intermediaries or other intermediaries, in line with the legislative provisions (L.4548/2018, L.4569/2019, L. 4706/2020 and Regulation (EU) 2018/1212) as well as the Rulebook of the Hellenic Central Securities Depository, (F.E.K.B/1007/16.03.2021) has the right to participate in the Extraordinary General Meeting.
The shareholder status on the Record Date shall be proven through a direct electronic connection of the Bank to the records of the D.S.S. until the start of the General Meeting or through intermediaries in line with the above provisions. A shareholder may participate in the General Meeting through confirmations or notices of Articles 5 and 6 of Regulation (EU) 2018/1212, which are provided by the intermediary, except if the General Meeting refuses said participation for good reason justifying this refusal in accordance with the applicable provisions (art.19 para.1 L.4569/2018, art. 124 of Law 4548/2018).
In the event that a Repeat Ordinary General Meeting is held on 03/06/2026, shareholders registered in the Bank's registry of shareholders on the original record date (start of 17/05/2026) shall have the right to participate and vote. The exercise of the said rights does not require the freezing of the beneficiary's shares or the observance of any other similar procedure that may restrict the ability to sell and transfer such shares during the period between the Record Date and the General Meeting.
The meeting shall be held exclusively in Greek.
PROCEDURE FOR PARTICIPATING, WATCHING AND VOTING IN PERSON IN THE GENERAL MEETING THROUGH TELECONFERENCING
Shareholders may participate and vote in the Ordinary General Meeting of 22nd May 2026 or any Repeat General Meeting held remotely in real time through teleconferencing or with physical presence.
The participation and voting with physical presence shall be conducted according to the provisions of L.4548/2028 and the Bank's Articles of Association.
For the participation and voting in the Ordinary General Meeting of May 22, 2026 or in any Repeat Meeting either with physical presence at the venue of the Meeting in read time or through a
teleconference application on an online platform, shareholders may, in advance, be informed about the processing of their personal data in accordance with the "NOTIFICATION OF CrediaBank S.A SHAREHOLDERS FOR THE PROCESSING OF THEIR PERSONAL DATA IN ACCORDANCE WITH THE REGULATION (EU) 2016/679 AND THE RELEVANT GREEK LEGISLATION" as well as the "SUPPLEMENTARY INFORMATION OF CrediaBank S.A SHAREHOLDERS AND OTHER PARTICIPANTS, EITHER PHYSICALLY OR REMOTELY, AT THE ORDINARY GENERAL MEETING OF 22/05/2026, FOR THE PROCESSING OF THEIR PERSONAL DATA IN ACCORDANCE WITH
REGULATION (EU) 2016/679 AND LAW 4624/2019". In addition, if the Shareholders participate remotely in the General Meeting, they agree that it will be held in accordance with the provisions of the form "Terms and conditions of the Remote General Meeting of Shareholders of the société anonyme under the name "CrediaBank S.A "
For the participation and voting of shareholders or any proxy thereof without physical presence, it is required to create and use an online account on the electronic platform developed by Hellenic Exchanges-Athens Stock Exchange S.A. for the purposes of providing services to listed companies regarding the conduction of General Meetings remotely in real time through teleconferencing on the webpage https://axia.athexgroup.gr. To access the electronic platform, a computer or a smartphone or tablet with a browser installed and Internet connection are required. The online platform is provided by the company "HELLENIC CENTRAL SECURITIES DEPOSITORY", while for the ZOOM meeting, tools/services from the company ZOOM Video Communications Inc. To create an account for the shareholder or the proxy thereof on the said platform, a valid email and the mobile phone of the shareholder or any proxy thereof are required. If, on accessing the internet platform the above information entered by the shareholder does not match the data registered in the Dematerialized Securities System and have been provided to the Company by the Hellenic Central Securities Depository or by the intermediaries, as part of its services to facilitate shareholder identification for remote general meetings which are provided to listed companies in accordance with Part 3 of Decision No 8 of the Hellenic Central Securities Depository, "Technical terms and procedures for the provision of the Registry, Corporate and Other Related Actions Service", as well as the document "Terms and Conditions for the remote General Meeting of Shareholders", shareholders must provide or update the information above, in order to create the account.
To this end, shareholders are requested to contact without delay the Securities Account Operator where they keep the Bank's shares or any other intermediary providing them custody services as regards the Bank's shares, as appropriate, in order to communicate or/and update a valid email address and a mobile phone number (in the case of a corporate entity of their legal representative) for the purposes of their identification. If shareholders have not completed the aforementioned identification process, they shall not be able to register and participate through teleconferencing in the General Meeting.
The Bank shall also publish on its website further instructions regarding the participation in the General Meeting through teleconferencing and shall also send them via email to the shareholders who have completed the aforementioned registration procedure on the platform of Hellenic Exchanges-Athens Stock Exchange S.A. and have the right to participate in the Extraordinary General Meeting or any Repeat General Meeting. The Bank may also apply and communicate any specialized implementation procedures regarding the remote participation and use of electronic means required for the participation on the Bank's website.
For any inquiries and information, shareholders can contact the Bank's Department of Treasury Support 6 Capitol Markets and Register of shareholders by email custodyservices@crediabank.com.
In addition, from the date of publication of this notice until the completion of the General Meeting, information and support will be provided to shareholders and the proxies, for issues related to the conduct of the General Meeting through the AXIA e-SM platform (e.g. login, voting, etc.) thereof by phone at 210 3366426 or by email to AXIAeSharehoIdersMeetinq@athexgroup.gr.
On the date of the General Meeting the Shareholders in order to participate should log in on time through the online platform, within sixty minutes (60') before the start time of the General Meeting announced in the Notice and declare the number of voting rights with which they will participate in the General Meeting and vote and, if they wish to amend it (toward the smallest).
Shareholders who will participate in the General Meeting through teleconferencing in real time are taken into account regarding the quorum and majority formation and they will be able to exercise their rights effectively during the General Meeting.
Shareholders who have successfully joined the online platform, will participate through a link sent to them by e-mail. By activating the teleconferencing application (ZOOM) through the link in the beginning of the General Meeting, the shareholders will be able:
to watch the General Meeting through electronic or audiovisual means,
to speak before and address the General Meeting during the meeting,
and, at the same time, through the internet platform they will have the ability to:
to vote in real time during the General Meeting on the items of the agenda. As regards voting, there are three options for every item of the agenda: FOR, AGAINST, ABSTAIN. The vote is final and cannot be revoked.
to receive information regarding the registration of their vote.
If a shareholder has declared his participation via teleconference, he can also be present in person, but he can vote only once, either in person or through the video conference application on the online platform.