Investor Presentaiton

Definition of financial data, ratios used and alternative performance measures Abbreviation -- Name Assets held for sale Balance Sheet Combined Buffer Requirement B/S CBR Common Equity Tier 1 Ratio CET1 Common Equity Tier 1 Ratio Fully Loaded CET1 FL Core Income Cl Core Operating Result / Profit/ Profitability/ (Loss) COP Core PPI Core Pre-Provision Income Core Pre-Provision Margin Core PPI Margin Cost of Risk COR Cost-to-Core Income C:CI Debt securities Deposit Yields Deposits Depreciation Disbursements Discontinued operations, minorities & other -- Fees / Net Fees Forborne Forborne Non-Performing Exposures. FNPES Forborne Performing Exposures FPES Funding cost/Cost of funding General and administrative expenses G&As Gross Loans/Gross Book Value (GBV) Goodwill & Intangibles Held-for-sale HR cost Interbank liabilities/placements -- HFS -- Interest earning assets IEAS Lease liabilities Liabilities held for sale Liquidity Coverage Ratio -- LCR Loan Impairments National Bank of Greece 2Q22 results Definition Non-current assets held for sale Statement of Financial Position Total CET1 capital required to meet the requirements for the capital conservation buffer CET1 capital as defined by Regulation No 575/2013, with the application of the regulatory transitional arrangements for IFRS 9 impact over RWAs CET1 capital as defined by Regulation No 575/2013, without the application of the regulatory transitional arrangements for IFRS 9 impact over RWAs Net Interest Income ("NII") + Net fee and commission income Core income less operating expenses and loan impairments, excluding the Frontier provision release of €0.2b in 3Q21 Core Income less operating expenses Core PPI annualized over average net loans Loan impairments of the year (or of the period annualized), excluding the Frontier provision release of €0.2b in 3Q21, over average net loans, excluding the short-term reverse repo facility of c€3b in 2Q22, 1Q22, 3Q21 and 2Q21 Operating expenses over core income Debt securities in issue plus other borrowed funds Annualized interest expense on deposits over deposit balances Due to customers Depreciation and amortisation on investment property, property & equipment and software & other intangible assets Loan disbursements for the year/period not considering rollover of working capital repaid and increase of unused credit limits Includes PAT from discontinued operations, non-controlling interest, as well as the LEPETE charge, VES and restructuring costs and other one off costs, as well as the Frontier provision release Net fee and commission income Exposures for which forbearance measures have been extended according to EBA ITS technical standards on Forbearance and Non-Performing Exposures Exposures with forbearance measures that meet the criteria to be considered as non performing according to EBA ITS technical standards on Forbearance and Non-Performing Exposures Exposures with forbearance measures that do not meet the criteria to be considered as non performing according to EBA ITS technical standards on Forbearance and Non- Performing Exposures and forborne exposures under probation period The weighted average cost of deposits, ECB refinancing, repo transactions, as well as covered bonds and securitization transactions General, administrative and other operating expenses Loans and advances to customers at amortised cost before ECL allowance for impairment on loans and advances to customers at amortised cost and Loans and advances to customers mandatorily measured at FVTPL Goodwill, software and other intangible assets Non-current assets held for sale Personnel cost Due to banks Interest earning assets include all assets with interest earning potentials and includes cash and balances with central banks, due from banks, financial assets at fair value through profit or loss (excluding Equity securities and mutual funds units), loans and advances to customers and investment securities (excluding equity securities and mutual funds units) Lease liabilities are presented separately and they are included in Other liabilities Liabilities associated with non-current assets held for sale The LCR refers to the liquidity buffer of High Quality Liquid Assets (HQLAs) that a Financial Institution holds, in order to withstand net liquidity outflows over a 30 calendar-day stressed period, as per Regulation (EU) 2015/16 Impairment charge for Expected Credit Loss (ECL), excluding the Frontier provision release of €0.2b in 3Q21 Appendix NATIONAL BANK OF GREECE 39

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