Investor Presentaiton

Positive signs of growth in disbursements; lending spreads remain at healthy levels, also supported by new production H1 21 New disbursements Greece, € bn 1.2 2.3 Businesses 0.1 0.2 Individuals 1.0 1.1 0.1 1.1 PE Lending spreads over Gross loans. Greece, bps 386 Spread of new production at 413bps in Q2 21 389 389 383 381 high-yielding loan repayments 359 359 356 356 352 2.1 Q1 21 Q2 21 H121 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Businesses - Individuals Performing loans Greece, €bn Performing loans evolution Group, €bn Q1 21 Q2 21 H121 Beginning of period 24.3 24.5 24.3 ! 3.8 i 5.4 Net credit Disbursements 1.1 1.2 2.3 expansion 11.2 11.2 11.2 11.1 10.8 10.8 €0.4bn Repayments -0.8 -1.0 -1.9 (o/w +€0.6bn PEs in Galaxy transaction 0.0 -0.3 -0.3 Businesses, - €0.2bn 16.4 16.9 17.0 17.4 17.6 17.7 Net Flows to/from NPE 0.0 -0.1 -0.1 Individuals) Other 0.0 0.1 0.1 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 FY21 End of period Target 24.5 24.4 24.4 Businesses Individuals Senior Notes 1| Alpha Bank rate excluding subs, cards, overdrafts and merchant discounting. 11 ALPHA SERVICES AND HOLDINGS

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