Investor Presentaiton

PE lending yield pivots from recent lows of c300bps Greek PE lending yields (bps) Greek forborne & PE yields, NPE NII % 5.4% 5.9% Total Performing 1 313 309 308 306 307 Dom. NPE NII net of 4.4% 4.4% 1 cash collected and 3.3% provisions / Dom. NII % (ytd) 1H20 FY20 1H21 FY21 1H22 771 770 771 772 772 Consumer² Performing 3.1% 3.1% 3.1% 3.1% 3.1% 601 592 595 584 577 SBLs ༠ Total 3.2% 3.2% 3.1% 3.2% 3.1% 295 286 284 280 281 Corporate¹ Forborne 2.3% 2.2% Mortgages 2.1% 2.1% 204 204 206 207 209 2Q21 3Q21 4Q21 1Q22 2Q22 1. excl shipping | 2. excl. cards National Bank of Greece 2Q22 results Financial Results 2.2% 2Q21 3Q21 4Q21 1Q22 2Q22 NATIONAL BANK OF GREECE 16

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