Investor Presentaiton

1H22 Group financial highlights: sustained strong performance 1H22 PAT cont. ops €490m 1H22 attributable PAT €546 1H22 COP €280m up +40% yoy, on core income growth and normalizing CoR (68bps) Core income €770m up +5% yoy C:Cl 50% -200bps yoy NATIONAL BANK OF GREECE Performing loans' +€1.1b qoq + €2.3b yoy, at €26.5b Disbursements +80% qoq €1.9b in 2Q22 1 Net NPEs' €0.4b NPEs at €1.9b NPE ratio'6.1% NPE Coverage' 81% CET1 FL 15.0% 2 c15.6% pro forma for EVO payments merchant acquiring Total Capital FL 16.1% 2 c16.7% pro forma for EVO payments merchant acquiring 1. Domestic level | 2. Including period PAT National Bank of Greece 2Q22 results Key Highlights 3

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