Investor Presentaiton

Strong capital adequacy position % of RWAs 36 All currency data are in GEL mln unless otherwise stated BOG EQUITY VS. CET1 REG. CAPITAL | MAR-22 RISK-WEIGHTED ASSETS +11.2% 13.7% 1.4% 0.7% 1.7% 17.5% +2.2% 313 3,212 16,516 16,599 17,248 17,978 18,372 2,515 260 124 2.1% NBG CET1 capital Loan IP Other provisioning provisioning deductions* methodology methodology difference difference BOG equity (IFRS) Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 * Revaluation reserve, investments in non-financial subsidiaries and intangible assets Existing additional capital buffer (c.2.1% of risk-weighted assets) reflects the differences in the provisioning methodology of IFRS 9 and the NBG The NBG is currently transitioning to IFRS-based financial reporting

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