| Brief History | 8-9 |
| Letter from the Chairman | 10-11 |
| Letter from the Managing Director - CEO | 14-15 |
| Major Events in 2015 | 20-21 |
| The Greek and the International Economy in 2015 and the Outlook for 2016 | 26-27 |
| Business Units | 34-35 |
| Operating Segment and Geographical Sector Analysis | 56-57 |
| Operational Systems and Distribution Channels | 62-63 |
| Risk Management | 72-73 |
| Capital Adequacy | 86-87 |
| Corporate Governance | 92-93 |
| Organisational Chart | 104-105 |
| Auditors' Report and Financial Statements | 108-109 |