Investor Presentaiton

Geographical segment P&L: Greece & International Greece International¹ - € m 2Q22 1Q22 4Q21 3Q21 2Q21 € m 2Q22 I 1Q22 4Q21 3Q21 2Q21 NII 294 270 292 291 283 NII 18 18 16 18 17 Net fee & commission income 80 80 70 69 66 Net fee & commission income] 5 5 4 5 4 Core Income 375 350 362 360 349 Core Income 23 1 23 20 22 21 Trading & other income 178 111 (12) (38) (42) Trading & other income 10 4 2 0 Total Income 552 461 350 322 306 Total Income 27 32 24 24 22 Operating Expenses (181) (179) (194) (172) (174) Operating Expenses (13) (13) (19) (16) (16) Core Pre-Provision Income 194 171 168 188 175 Core Pre-Provision Income 10 10 10 2 7 6 Pre-Provision Income 371 282 156 150 132 Pre-Provision Income 14 19 5 8 6 Loan Impairment (46) (50) (34) (59) (70) Loan Impairment (3) (5) (22) (7) (5) Core Operating Profit 148 121 141 129 105 Core Operating Profit 8 4 (20) 0 0 Operating Profit 325 231 121 91 63 Operating Profit 14 (17) 2 1 Taxes (55) (33) (3) (5) (0) Taxes (4) (1) (2) PAT (cont. ops) 270 198 118 87 62 PAT (cont. ops) 12 10 10 (18) 4 3 PAT (discont. ops & other) (88) 150 5 101 (48) PAT 182 348 123 188 14 1 International (continuing) operations include the Group's business in North Macedonia (Stopanska Banka), Malta (NBG Malta), Cyprus (NBG Cyprus) and Egypt (NBG Egypt) National Bank of Greece 2Q22 results Appendix NATIONAL BANK OF GREECE 37

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