Investor Presentaiton

Growing banking sector 56 25% 20% 15% 10% 5% 0% -5% 25% 19.8% 60% 20% 16.2% 15% 40% 10% Loan book growth: corporate vs. retail (exc. FX effect) Banking sector corporate and retail loans to GDP Corporate loans, % change y-o-y Retail loans, % change y-o-y Corporate loans to GDP Retail loans to GDP 30% 30% 80% 80% Source: NBG Jan-14 Aug-14 Mar-15 Oct-15 May-16 Dec-16 Jul-17 Feb-18 Sep-18 Apr-19 Nov-19 Jun-20 Jan-21 Aug-21 Mar-22 -5% 2010 2011 2012 2013 Source: NBG, GeoStat 2014 0% 17% 17% 18% 19% 21% 24% 26% 25% 27% 33% 33% 27% 30% 23% 20% 17% 5% 11% 12% 13% 20% 0% 39% 37% 36% 60% 40% 2015 2016 20% 38% 31% 35% 33% 2017 2018 2019 2020 2021 1Q22E 0%

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