Investor Presentaiton

Organic NPE flows consistently negative, driven by successful restructurings yielding high cure rates NATIONAL BANK OF GREECE Domestic NPE stock per category | 2Q22 (€ b) NPE balance change (€ m, Bank) o/w: €0.3b or FNPE & other impaired <90dpd 90+dpd c30% <30dpd 1.1 1.2 Affected by finalization of Frontier II perimeter o/w: €0.3b or 0.4 0.4 c70% <30dpd NPE inflows (+) 166 159 134 132 91 0.4 0.4 -95 0.2 0.2 -119 0.7 0.7 0.2 0.2 0.3 0.3 Curings -191 -211 -48 -316 -71 0.1 0.1 0.1 0.1 0.2 0.2 1Q22 2Q22 Mortgages 1Q22 2Q22 Consumer 1Q22 22Q22 SBLs 1Q22 2Q22 Corporate Debt fgv, recoveries liquidations -71 -134 -58 Domestic NPE stock evolution (€ b) NPE outflows (-) -262 -374 -345 -142 -190 NPE ratio 12.8% 11.9% 6.9% 6.5% 6.1% NPE organic flows -96 -215 -211 -51 -58 FNPES <30 dpd 4.0 3.7 Frontier II: €0.9b Other sales: €0.2b Drop due to lower curable FNPES <30dpd (€0.6b in 2Q22 vs €1.2b in 3Q21) OFNPES >30 dpd & 1.4 NPE inorganic flows -33 -77 -1 293 -76 -38 1.2 other impaired & write-offs 2.1 0.3 10.2 2.0 1.9 190+dpd 0.8 0.7 0.6 NPE reduction -129 -292 -1 504 -127 -96 2.3 2.2 0.2 0.2 0.2 1.1 1.1 1.1 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 3Q21 4Q21 1Q22 I 2Q22 National Bank of Greece 2Q22 results Financial Results 20 20

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