Investor Presentaiton

75% 70% 65% 60% 55% 50% 45% Banking system dollarisation down, low NPLs Loan and deposit dollarisation Jan-14 Aug-14 Mar-15 Oct-15 May-16 Source: NBG Dec-16 Bank loan dollarisation Jul-17 Feb-18 Sep-18 Jun-20 75% Non-performing bank loans to total gross loans (2019-2020 average) Lithuania 1.0% Czech Rep. 1.8% 70% Estonia 1.8% Georgia 2.1% 65% Hungary 2.7% Poland 3.7% 60% 60.2% Romania 4.0% 50% 50.6% Jan-21 Aug-21 Mar-22 Latvia 55% Turkey Belarus Armenia Bulgaria 45% Bosnia & Herz. Croatia 4.0% 4.5% 4.7% 6.0% 6.2% 6.8% 7.1% Moldova Russia 7.9% 8.5% Bank deposit dollarisation Source: IMF

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