Investor Presentaiton

30% 25% 20% 15% 10% 5% 0% -5% Feb-14 Jun-14 Oct-14 Feb-15 Source: NBG. Growing banking sector Corporate loans, % change y-o-y Loan book growth: corporate vs. retail (exc. FX effect) Banking sector corporate & retail loans to GDP Retail loans, % change y-o-y 100% 100% 30% ■Retail loans to GDP Corporate loans to GDP 25% 80% 80% 20.4% 20% 60% 15% 16.9% 10% 40% 60% 39% 33% 37% 36% 35% 33% 27%30% 40% 23% 20% 5% 17% 11% 12% 13% 20% 0% 17% 17% 18% 19% 21% 24%26%25%27%31% 20% 38%35%33%31% Jun-15 Oct-15 Feb-16 Jun-16 Oct-16 Feb-17 Jun-17 Oct-17 Feb-18 Jun-18 Oct-18 Feb-19 Jun-19 Oct-19 Feb-20 Jun-20 Oct-20 Feb-21 Jun-21 Oct-21 Feb-22 Jun-22 -5% 0% 2010 2011 2012 2013 Source: NBG, GeoStat. 2014 2015 2016 2017 2018 2019 2020 2021 1Q22 2Q22E 0% 48

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