Investor Presentaiton

STRONG CAPITAL ADEQUACY POSITION BOG EQUITY VS. CET1 REG. CAPITAL | JUN-21 GEL MILLIONS % of RWAs 12.5% 1.8% 0.7% 1.6% RISK WEIGHTED ASSETS GEL MILLIONS 268 2,761 16,040 16,516 304 116 15,162 14,099 2,074 2.5% +17.7% +0.5% 16,599 NBG CET1 capital Loan IP Other provisioning provisioning deductions* methodology methodology difference BOG equity (IFRS) Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 difference * Revaluation reserve, investments in non-financial subsidiaries and intangible assets Existing additional capital buffers (within c.2.5% of risk-weighted assets) reflecting differences in provisioning methodology between the NBG and IFRS 9 The NBG plans to transition to IFRS-based financial reporting during 2021-2022 39

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