Investor Presentaiton

1H21 1H22 Group COP (+40% yoy) benefits from core income growth, CoR normalization and flat costs Group core operating profit bridge 1H22 (€ m) +23% yoy +1% yoy driven by PE expansion 200 +4 ANII AFees Group operating profit decomposition 1H22 (€ b) 200 280 +40% yoy COP (Em) +40% yoy COP margin (bps) 148 183 +35bps yoy OpEx +1% yoy +47 280 +6 +32 -3 -6 Normalizing CoR at 68bps in 1H22 APersonnel cost AG&As ADepreciation ALoan Impairments National Bank of Greece 2Q22 results 1H22 Financial Results Non core income (€b) 0.4 | 0.3 | Core PPI (€b) 0.35 Core PPI +9% yoy 0.38 COR (Єb) -0.15 COR -31% yoy -0.10 1H21 1H22 13 NATIONAL BANK OF GREECE

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