Investor Presentaiton

Strong capital adequacy position 34 All currency data are in GEL m unless otherwise stated BOG EQUITY VS. CET1 REGULATORY CAPITAL- JUN-22 RISK-WEIGHTED ASSETS +11.3% % of RWAS +0.6% 14.0% 1.6% 0.7% 1.6% 17.9% 301 3,312 130 16,599 17,248 17,978 18,372 18,482 288 2,594 2.3% NBG CET1 capital Loan IP Other provisioning provisioning deductions* methodology methodology difference difference BOG equity (IFRS) Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 * Revaluation reserve, investments in non-financial subsidiaries and intangible assets. Existing additional capital buffer (2.3% of risk-weighted assets) reflects the differences in provisioning methodology between IFRS 9 and the NBG The NBG is currently transitioning to IFRS-based financial reporting

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