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Investor Presentaiton

Our digital strategy demonstrates impressive results driven by new offerings 2.7 1.9 2.9 2.0 ONBOARD Digital subscribers (m) ENGAGE CROSS-SELL >>> B >>>> 0 Registered subscribers YoY 3.5 3.5 3.5 +10% 3.3 3.2 3.3 3.1 3.0 3.1 +26% 2.9 2.8 2.6 2.4 2.3 Mobile app downloads Digital active users (m) Digital sales (000s, cumulative) 2.5 2.4 Active users 12M 2.5 2.6 2.3 22 2.2 2.2 561 500 446 394 340 2.1 2.1 2.1 280 2.0 +15% 1.9' 1.9 1.8 1.8 1.8 220 1.7 1.6. Active users 1M 170 YOY +14% NATIONAL BANK OF GREECE 623 YoY 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 2Q20 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 Notes: Digital active customers have used NBG's Internet Banking and/or Mobile Banking at least once in the last 12 months (12m) or in the last month (1m) Digital sales include sales to both Individuals & Businesses National Bank of Greece 2Q22 results Transformation Program update +58% 34
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