Investor Presentaiton

Positive trends across financial and operating KPIs continue in 1H22... Profitability | € m COP 200 Performing loans¹ | € b 250 280 +40% yoy 24.2 25.2 26.5 +10% yoy 16.7 +17% yoy 15.2 Core Income 734 764 770 +5% yoy Corporate 14.3 Opex -383 -400 -386 -104 COR -151 -114 +1% yoy -31% yoy Retail 9.8 10.0 9.8 +0% yoy 1H21 FY21 1H22 1H21 2H21 1H22 Asset quality¹ | €b Fully loaded capital² | % NATIONAL BANK OF GREECE Coverage % 66% 78% 81% +14pps yoy NPE % 12.8% 6.9% 6.1% 15.5 16.1 +1.4pps yoy -7pps yoy CAD FL% 14.7 4.0 2.1 1.9 -52% yoy 14.9 15.0 +1.2pps yoy 13.8 CET1 FL% 2Q21 FY21 2Q22 1. Domestic level | 2. Including period PAT National Bank of Greece 2Q22 results Key Highlights 1H21 FY21 1H22 5

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