Investor Presentaiton

Improvement in recurring profitability driven by strong core income leads to widening “jaws" Profitability "jaws" | € m - 1H22 Profitability "jaws" | € m – 2Q22 COP & PAT cont. operations | € m C:CI 60.3% Core Income 674 52.1% NPE NII down by c€64m vs 1H20 734 50.1% 55.6% 51.5% 48.8% NPE NII down by c€21m vs 4Q21 770 398 382 373 170 384 204 Core PPI 268 PAT cont. ops 619 832 490 280 250 200 191 OpEx O 212 407 COP 132 383 386 192 194 1H20 1H21 1H22 4Q21 1Q22 2Q22 1H20 2H20 1H21 2H21 1H22 National Bank of Greece 2Q22 results Key Highlights NATIONAL BANK OF GREECE 4

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