EFG Eurobank Ergasias will release the financial results for the first quarter to 31 March 2004 on Thursday, May 13, 2004, after the close of the Greek market. On the same day management will host a conference call to present and discuss the results at 17:30 Greek time / 15:30 UK time.

On behalf of the Bank, we would like to invite you to participate in this event.

The details are as follows:

Date: Thursday, May 13, 2004

Time: 17:30 Greek time/15:30 UK time

UK/European Dial-in tel: +44 (0) 207 019 9504

US dial-in tel: +1 718 354 1152

Irish alternative dial-in tel: +353 (0) 1 247 5109

Verbal Password: 'EFG Eurobank Ergasias' (please call a few minutes before start time)

The conference call will include a presentation of the results, followed by a Question and Answer session.

If you are unable to participate, there will be an instant replay service immediately after the call has ended. This service will be available for 7 working days following the call.

The telephone numbers for the replay service are:

UK / Europe: +44 (0) 207 984 7578

US: +1 718 354 1112

Pass code: 536475