Investor Presentaiton

1H22 domestic fees increase by a strong 24% yoy, driven by card fees, payments and trade finance Domestic fees (€ m) Domestic retail fees decomposition (€ m) Fees/Assets 35bps 42bps YOY YOY 160 +24% 87 +31% 17 -2% 11 +26% 17 46 ཅི བཡེ 130 Deposits 66 57 +22% 22 Payments 9 22 +24% 17 13 Investment products +22% & bancassurance Cards 10 87 +31% 30 30 +67% 18 66 Lending & other 12 12 +1% 1H21 Retail Fees 1H22 Corporate Fees I Non-core banking 1H21 1H22 Transactions per channel (# m) 2Q22 yoy 47.0 46.6 43.3 +13% 41.4 42.5 Total Domestic corporate fees decomposition (€ m) YOY 57 +22% 23.5 +23% Deposits & payments 5 +8% 46 5 > 100% 23.8 21.4 22.0 20.9 E-banking 21.8 21.7 20.3 19.1 19.3 +4% Investment banking & products ATMs & APS 47 +18% 40 Lending, trade 1.5 1.6 1.5 1.2 1.4 finance & other Branches -7% 2Q21 3Q21 4Q21 1Q22 2Q22 1H21 1H22 National Bank of Greece 2Q22 results Financial Results NATIONAL BANK OF GREECE 18

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