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Investor Presentaiton

11% 10% 9% 8% 7% 6% 5% Jan-16 Apr-16 Jul-16 Oct-16 Jan-17 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 INTERNATIONAL RESERVES INTERNATIONAL RESERVES AT ADECUATE LEVEL International reserves at US$ 4.1bn in 9M21, up 8.3% y/y Jan-14 May-14 Sep-14 Jan-15 May-15 May-15 Sep-15 Jan-16 Jan-16 May-16 Sep-16 Gross international reserves, US$ mn Jan-1/ May-17 May-1/ Sep-17 Sep-17 Jan-18 Jan-18 May-18 Sen-18 Sep-18 Jan-19 Jan-19 May-19 May-19 Sep-19 Sep-19 Jan-20 Jan-20 May-20 Sep-20 Jan-21 May-21 Sep-21 MONETARY POLICY RATE NBG increased policy rate by 200bps to 10.0% in 2021 (+50bps in March, +100bps in April and +50bps in August) Apr-17 Jul-17 Oct-17 Jan-18 Jan-18 Apr-18 Jul-18 Oct-18 Jan-19 Apr-19 Jul-19 Oct-19 Jan-20 Apr-20 Source: NBG 11% 75% 10.0% 10% 70% 9% 65% 8% 60% 7% 55% 6% 50% 5% 45% Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-14 Source: NBG 100 CENTRAL BANK'S INTERVENTIONS NBG sold $916.1mn in 2020 200 (of which US$ 42.9mn out of FX market) 174 120 40 50 20 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 09.09 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 80 50 Jan-21 Feb-21 LOAN AND DEPOSIT DOLLARISATION Apr-14 Aug-14 Dec-14 Mar-15 Jul-15 Nov-15 Mar-16 Jun-16 Loan dollarization Oct-16 Feb-17 May-17 Sep-17 Jan-18 May-18 Aug-18 Dec-18 40 40 Source: NBG NBG sold $350.9mn in 10M21 (of which US$ 18.Omn out of FX market) 83 60 30 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Source: NBG 75% 70% 60.7% 65% 60% 55% 50% Apr-19 Jul-19 Nov-19 Mar-20 Jul-20 Oct-20 Feb-21 Jun-21 Sep-21 Deposit dollarization 51.4% 45% 53
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