Investor Presentaiton

Asset Quality environment remains benign NPE formation Greece, € bn 0.0 (0.0) (0.1) (0.2) 0.0 Cost of Risk bps (over net loans) 94 93 15 16 75 61 14 735 76 13 20 74 71 56 55 0.1 Mainly single case 35 0.35 Q2 22 Q3 22 0.30 0.24 Servicing fees Q4 22 Securitization expenses Q1 23 Q2 23 Underlying 0.18 0.18 Inflows NPE and Coverage % NPE Coverage NPE ratio Group 41% (0.20) (0.24) (0.25) (0.22) (0.28) Cures & repayments 40% 39% 40% 40% 8.2% 8.0% Closing (0.04) Procedures 7.8% (0.07) (0.06) (0.14) 7.6% 7.6% & write offs (0.10) Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Note: Gross formation including curings, repayments, liquidations and debt forgiveness 24 ALPHA SERVICES AND HOLDINGS

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