Investor Presentaiton

Organic growth of S1 loans already offers increasing support to NII Group gross loan stage evolution (€ b) Group S2 ratio and coverage (%) Group S3 ratio and coverage (%) Stage 3 A yoy 4.1 2.2 2.1 2.1 -2.0 Stage 2 4.4 4.7 27 o/w: €2.2b FPES €2.2b SICR €0.3b +30dpd 4.7 4.7 +0.3 NATIONAL BANK OF GREECE Stage 25.8 13.6% 14.9% 14.9% 14.4% Ratio 12.7% AAAA-00001 21.0 24.8 24.8 +4.9 7.0% 6.6% 6.4% Ratio 5.7% 5.8% 5.8% 5.7% Coverage 55.8% 55.4% 59.4% 57.9% Coverage 30.06.21 31.12.21 31.03.22 30.06.22 30.06.21 31.12.21 31.03.22 30.06.22 30.06.21 31.12.21 31.03.22 30.06.22 National Bank of Greece 2Q22 results Financial Results 222 22

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