Investor Presentaiton

Loans repricing in line with expectations; total deposit beta at 13% Interest Income / Interest Expense breakdown¹ Group, € mn Performing Corporate loan spreads² Greece, % +46% +3% 440 42 o/w -25% 428 42 74 392 63 63 from NPE transactions pending completion 37 333 50 301 32 Non Performing Loans 33 Bonds 31 39 475 431 362 294 Performing Loans 262 Deposits (15)9) (15)17) (31) (47) (27) (77) Funding & Other (61) (73) Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 3.55% 3.49% Alpha Bank Peer avg 3.20% 3.14% 3.07% 3.05% Peer 1 Peer 2 Peer 3 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Deposit beta Q2 20232 Greece, % 18% 13% 13% 11% 9% Alpha Bank Peer avg Peer 1 Peer 2 Peer 3 1| Q3, Q4 and Q1 seasonally adjusted based on Q2 day-count 2| As published, Peer 2 loan spreads exclude Shipping, Peer 3 loan spreads calculated as published yield minus average 3M Euribor. Deposit beta refers to total cost of deposits in Greece versus 3M Euribor 14 ALPHA SERVICES AND HOLDINGS

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