3Q20 Financial Performance

KEY RATIOS 3Q20 3Q19 2Q20 9M20 9M19 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) 147.0% 118.5% 135.4% 147.0% 118.5% Liquid assets to total liabilities 33.7% 32.9% Net loans to client deposits and notes 104.9% 118.0% 32.1% 108.8% 33.7% 32.9% 104.9% 118.0% Net loans to client deposits and notes + DFIs 92.1% 103.4% 94.5% Leverage (times) 7.9 7.6 7.7 92.1% 7.9 103.4% 7.6 Asset Quality: NPLs (in GEL) 530,631 NPLs to gross loans to clients 3.8% 339,118 2.9% NPL coverage ratio 76.8% 85.3% 355,260 2.7% 115.7% 530,631 3.8% 339,118 2.9% 76.8% 85.3% NPL coverage ratio, adjusted for discounted value of collateral 131.4% 129.3% 166.3% 131.4% 129.3% Cost of credit risk, annualised 0.2% 0.5% -0.2% 2.4% 1.1% RB Cost of credit risk 0.8% 0.9% 0.2% 2.7% 1.6% CIB Cost of credit risk -1.1% -0.2% -1.7% 1.7% 0.2% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 9.9% 11.1% 9.9% 9.9% 11.1% Minimum regulatory requirement 6.9% 9.5% 6.9% 6.9% 9.5% NBG (Basel III) Tier I capital adequacy ratio 12.0% 13.3% 12.0% 12.0% 13.3% Minimum regulatory requirement 8.7% 11.6% 8.7% 8.7% 11.6% NBG (Basel III) Total capital adequacy ratio 17.3% 16.8% 17.4% 17.3% 16.8% Minimum regulatory requirement 13.3% 16.1% 13.3% 13.3% 16.1% * For the description of Key Ratios, refer to page 80 78

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