NAT. BANK OF GREECE SA

Lower Tier II 10-year note sale totalling €450 million

NBG announces that today, Friday 23 July 2010, it completed successfully the sale, by private placement through its branch network in Greece, of a Lower Tier II note totalling €450 million.
The issue proved highly popular, as the sale process was completed within just 4 days, reflecting the investment community's confidence in NBG.
The said note will be issued on 3 August 2010 by the Bank's UK-based subsidiary NBG Finance Plc, under NBG guarantee, and will be listed for trading on the Luxembourg Stock Exchange. The note will have a 10-year term, with right to early redemption by the issuer on the completion of 5 years and at each subsequent interest payment date. The annual interest rate for the first 5 years is set at 7%. If the right to early redemption is not exercised, the annual interest rate for the second 5-year period increases to 9.5%.
This issue enhances NBG's regulatory capital by €450 million. In particular, the Core Tier I ratio is strengthened by 34 bps and the Total Capital ratio by 66 bps.
This Announcement constitutes regulatory information as per Laws 3340/2005 and 3556/2007; it is published under the provisions of Law 3556/2007, articles 19-21, and the relevant regulatory decisions of the Board of the Capital Market Commission, and can be viewed on the issuing Bank's website at (www.nbg.gr).