Investor Presentaiton

Strong pick up in 2Q22 disbursements (+80% qoq) drives PEs higher by an impressive + €1.1b qoq NATIONAL BANK OF GREECE Greek loan evolution | performing loans (€ b) 25.7 25.5 28.9 28.8 29.8 Net loans² Loan disbursements¹ (€ b) 26.5 25.2 25.5 24.2 24.2 +€2.3b +10% yoy 2.0 +€2.4b +17% yoy 16.7 15.2 15.6 14.3 14.3 Total 1.3 Corporate SBL Consumer 0.8 1.1 1.1 1.1 1.2 1.2 0.7 1.3 1.3 1.3 1.2 1.3 ■Mortgages 1.0 7.5 7.5 7.6 7.4 7.3 2Q21 3Q21 4Q21 1Q22 2Q22 0.5 3.0 +50% yoy (+38% retail, +53% corporate) 2.1 1.9 1.9 1.1 1.5 Corporate 0.8 0.6 0.2 0.3 0.3 0.3 Retail 0.2 0.2 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 1. Loan disbursements for the period not considering rollover of working capital repaid and increase of unused credit limits | 2. Since 4Q21, net loans include Frontier senior bond (€2.9b in 2Q22) National Bank of Greece 2Q22 results Financial Results 15

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