Investor Presentaiton

1/3rd of domestic gross NPEs of €1.9b comprise of FNPES <30dpd, likely to cure in the next few quarters NATIONAL BANK OF GREECE Domestic 90dpd ratios and coverage | 2Q22 Domestic 90dpd - NPE bridge (€ b) | 2Q22 Collateral coverage1 86% 5% 85% 71% 68% 12% 149% 90dpd ratio 8% 1.9 138% +0.6 +0.05 +0.2 3% 3.5% 3.8% 1.1 2% 90dpd coverage 182% 130% 139.8% 134.1% Mortgages Consumer SBL Corporate Total GRE Group 90dpd FNPE <30 FNPE 31-90 Other impaired NPES Domestic NPE ratios and coverage | 2Q22 Domestic forborne stock (€ b) | 2Q22 Collateral 90% coverage1 5% 85% 66% 69% 16% FNPE<30 dpd 0.6 FNPE 31-90dpd O 0.05 FNPE > >90dpd 0.3 10% NPE ratio €3.2b 114% FPE 2.2 6.1% 6.3% 5% 5% 106% NPE coverage² 81% 80.8% 80.3% 54% Mortgages Consumer SBL Corporate Total GRE Group LLAS/ Gross loans. 3% 11% 18% 4% 5% 1. Collateral coverages are Bank level. | 2. NPE coverage incorporates additional haircuts on the market value of collateral. National Bank of Greece 2Q22 results Financial Results 21

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