ALPHA SERVICES AND HOLDINGS S.A.

Full Year 2002 results announcement scheduled for 21 February 2003.

Alpha Bank SA, Greece's second largest bank will announce results for the year ended December 2002 on Friday, 21 February 2003. The schedule for the day will run as follows: 08:30 Athens (06:30 GMT) Press release available from the company by pre-arrangement or from Alpha Bank's website (www.alpha.gr. ) and The Athens Stock Exchange website (www.ase.gr. ). 09:30 Athens (07:30 GMT) Analyst and investor briefing (in Greek), to be hosted by senior management and held at Alpha Bank, 3rd floor, 40 Stadiou Street, 102 52 Athens. 11:30 Athens (09:30 GMT) Press conference (in Greek), to be hosted by senior management and held at Alpha Bank, 3rd floor, 40 Stadiou Street, 102 52 Athens.14:30 Athens (12:30 GMT) International analyst and investor conference call [details available from the company by request].