Investor Presentaiton

Definition of financial data, ratios used and alternative performance measures Loan/Lending Yield Loans-to-Deposits Ratio Minorities L:D ratio NIM Net Interest Margin Net Stable Funding Ratio NSFR Net Loans Non-Performing Exposures NPES Non-Performing Exposures Coverage Ratio NPE coverage Formation Non-Performing Loans Non-Performing Exposures Organic NPE organic formation Non-Performing Exposures Ratio NPE ratio NPLs Non-Personnel expenses / Expenses 90 Days Past Due Coverage Ratio 90dpd coverage 90 Days Past Due Ratio 90dpd/ NPL ratio Operating Expenses / Costs / Total Costs OpEx Operating Result/Operating Profit/ (Loss) Other Assets Other Impairments Other liabilities Performing Loans / Exposures PEs Profit/Loss) for the Period from Continuing Operations PAT from continuing operations / PAT (cont. ops) Property & Equipment Pre-Provision Income PPI Profit and Loss P&L Provisions (Stock) / Loan Loss Allowance LLAs Return on Tangible Equity ROTE Risk Weighted Assets RWAs RoU assets Securities Tangible Equity / Book Value TBV Taxes Total Capital Ratio Total Capital Ratio Fully Loaded Total Group Deposits Total Lending Yield / Lending Yield Trading and Other Income CAD CAD FL National Bank of Greece 2Q22 results Annualized (or annual) loan interest income over gross performing exposures Loans and advances to customers over due to customers, at year end or period-end, excluding the short-term reverse repo facility of c€3b in 2Q22, 1Q22, 3Q21 and 2Q21 Non-controlling interest Net interest income over average interest earning assets. Net Interest Margin equals net interest income divided by the average of interest earning assets (the average of interest earning assets at the end of the current year and the end of the previous year and all quarter ends in between (5 periods) for the year end). The NSFR refers to the portion of liabilities and capital expected to be sustainable over the time horizon considered by the NSFR over the amount of stable funding that must be allocated to the various assets, based on their liquidity characteristics and residual maturities Loans and advances to customers Non-performing exposures are defined according to EBA ITS technical standards on Forbearance and Non-Performing Exposures as exposures that satisfy either or both of the following criteria: (a) material exposures which are more than 90 days past due, (b) the debtor is assessed as unlikely to pay its credit obligations in full without realization of collateral, regardless of the existence of any past due amount or of the number of days past due ECL allowance for impairment for loans and advances to customers divided by NPEs, excluding loans and advances to customers mandatorily measured at FVTPL, at year/period end NPE balance change at year end / period end, excluding sales and write-offs NPEs divided by loans and advances to customers at amortised cost before ECL allowance for impairment, at the end of year/period, excluding the reverse repo facility of c€3b in 2Q22, 1Q22, 3Q21 and 2Q21 Loans and advances to customers at amortised cost in arrears for 90 days or more G&As + Depreciation ECL allowance for impairment for loans and advances to customers over gross loans in arrears for 90 days or more excluding loans mandatorily classified as FVTPL, year/period end, over gross loans in arrears for 90 days or more excluding loans mandatorily classified as FVTPL at year/period end NPLs at year/period end divided by loans and advances to customers at amortised cost before ECL allowance for impairment at year/period end, excluding the short term reverse repo facility of c€3b in 2Q22, 1Q22, 3Q21 and 2Q21 Personnel expenses + G&As + Depreciation, excluding the additional social security contributions for LEPETE to e-EFKA, and other one off expenses. More specifically, for 1H22 operating expenses exclude personnel expenses of €18m related to defined contributions for LEPETE to e-EFKA charge and other one-off costs of €5m. For 1H21, operating expenses exclude personnel expenses of €18m related to defined contributions for LEPETE to e-EFKA charge and other one off costs of €19m Total income less operating expenses and loan impairments Derivative financial instruments plus Investment property plus Equity method investments plus Current income tax advance plus Other assets Impairment charge for securities + other provisions and impairment charges on properties Derivatives financial instruments plus Deferred tax liabilities plus Retirement benefit obligations plus Current income tax liabilities plus other liabilities per FS excluding lease liabilities Gross loans less NPES, excluding the short term reverse repo facility of c€3b in 2Q22, 1Q22, 3Q21 and 2Q21 Profit for the period from continuing operations, excluding VES and restructuring costs, other one off expenses & additional social security contributions for LEPETE to e-EFKA. other impairment and non-recurring taxes. PAT (cont. ops) excludes the defined contribution for LEPETE to e-EFKA charge of €18m, VES, restructuring & other one-off costs, other impairment and non-recurring taxes, totaling €160m for 1H22 and the defined contribution for LEPETE to e-EFKA charge of €18m and VES, restructuring & other one-off costs, other impairment and non-recurring taxes totaling €52m for 1H21 Property and equipment excluding RoU assets Total income less operating expenses, before loan impairments Income statement ECL allowance for impairment on loans and advances to customers at amortised cost Calculated as core PAT (PAT from cont. ops. excluding trading & other income and one off income / expenses) over tangible equity normalized at 16% for excess capital Assets and off-balance-sheet exposures, weighted according to risk factors based on Regulation (EU) No 575/2013 RoU assets are presented separately and they are included in Property and equipment Investment securities and financial assets at fair value through profit & loss Equity attributable to NBG shareholders less goodwill, software and other intangible assets Tax benefit/ (expenses) Total capital as defined by Regulation No 575/2013, with the application of the regulatory transitional arrangements for IFRS 9 impact over RWAS Total capital as defined by Regulation No 575/2013, without the application of the regulatory transitional arrangements for IFRS 9 impact over RWAS Due to customers Return (or annualized return) calculated on the basis of interest income from Total loan book, over the average accruing Total loans balance Net trading income/(loss) and results from investment securities {"trading income/(loss)") + Net other income / (expense) ("other income/(expense)"} Appendix NATIONAL BANK OF GREECE 40

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