Investor Presentaiton

Organic formation and underlying CoR remain better than FY guidance NPE organic formation. Greece, € bn 2021E CoR driven by Transaction costs and COVID % over net loans Gross NPE (0.1) (0.0) (0.0) 0.0 (0.0) 0.6 formation € bn Inflows 0.4 0.4 1.7 0.4 0.4 0.4 Covid Related 5.8% Transaction costs Underlying 3.2% 4.0% 2.6% 1.2% 1.7% 3.2% 1.3% 0.5% 2.6% -0.4% 1.5% 1.2% 0.8% 0.9% Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 NPE and Cash Coverage % o/w Moratoria 0.1 0.1 0.2 o/w 0.8 NPE Group Coverage % 50% 55% Cures & (0.2) 54% (0.3) (0.3) (0.3) repayments (0.4) (0.8) 43% 43% 43% 43% 40% 50% (0.2) 0.0 (0.3) CPs (0.2) (0.1) (0.1) 30% 49% 47% 45% Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 44% 45% NPE % NPE Coverage 26% 20% 40% Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Accounting Write-offs (0.0) (0.0) (0.0) (0.1) (0.0) Note: Gross formation including curings, repayments, liquidations and debt forgiveness. Q1 21 and Q2 21 formation excludes Galaxy 16 ALPHA SERVICES AND HOLDINGS

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