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Investor Presentaiton

Sources: NBG 3500 3000 2500 2000 1500 1000 500 0 -500 Prudent monetary policy ensures macro-financial stability International reserves Monetary policy rate Sources: NBG Jan-04 Jun-04 Nov-04 Apr-05 Sep-05 Feb-06 Jul-06 Dec-06 May-07 Oct-07 Mar-08 Aug-08 Jan-09 Jun-09 Nov-09 Sources: IMF, NBG Georgia Turkey Lithuania Latvia Czech Rep. Poland Hungary Armenia Russia Bosnia & Herz. Croatia Bulgaria Kazakhstan Belarus Portugal Official Reserve Assets, US$ mln Apr-10 Sep-10 Feb-11 Jul-11 Dec-11 May-12 Oct-12 Mar-13 Jan-14 Jun-14 Nov-14 Apr-15 Sep-15 Feb-16 Jul-16 Dec-16 May-17 Oct-17 Mar-18 Nonperforming loans to total gross loans Net Foreign Assets, US$ mln 2.8% 3.0% 3.3% 3.6% 3.8% 4.1% 4.8% 6.8% 10.2% 11.1% 12.3% 12.4% 12.7% 12.8% 15.5% 3500 9% 3000 8% 2500 7% 2000 6% 1500 5% 1000 4% 500 3% 0 2% -500 1% 0% Jan-14 Apr-14 Jul-14 Oct-14 Jan-15 Apr-15 Jun-15 Sep-15 Dec-15 Mar-16 May-16 Aug-16 Nov-16 Feb-17 May-17 Jul-17 Oct-17 Monetary policy rate remains low vs. peers Sources Central banks 18% End-2017 Latest-2018 15% 12% 9% of do do do 3% 8.00% 7.25% 7.25% 6.00% 6% Kazakhstan 9.25% 10.50% 11.00% Belarus Azerbaijan Ukraine 17.00% Jan-18 Page 69 Apr-18 5% 3% 1% 0% dlo do do do do do do do do do 9% 8% 7% 6% 4% 2% GEORGIA CAPITAL
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