Investor Presentaiton

KEY RATIOS 2Q21 2Q20 1Q21 1H21 1H20 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) 124.5% 135.4% 149.3% 124.5% 135.4% Liquid assets to total liabilities 31.0% 32.1% 34.7% 31.0% Net loans to client deposits and notes 106.1% 108.8% 104.3% 106.1% 32.1% 108.8% Net loans to client deposits and notes + DFIs 93.2% 94.5% 90.0% 93.2% 94.5% Leverage (times) 6.8 7.7 7.5 6.8 7.7 Asset Quality: NPLs (in GEL) 524,964 NPLs to gross loans to clients 3.5% 355,260 2.7% 534,626 524,964 355,260 3.6% 3.5% 2.7% NPL coverage ratio 73.1% 115.7% 77.5% 73.1% 115.7% NPL coverage ratio, adjusted for discounted value of collateral 122.2% 166.3% 127.8% 122.2% 166.3% Cost of credit risk, annualised -0.6% -0.2% 0.8% 0.1% 3.5% RB Cost of credit risk 0.3% 0.2% 1.4% 0.8% 3.7% CIB Cost of credit risk -2.5% -1.7% -0.2% -1.4% 3.2% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 12.5% 9.9% 11.2% 12.5% 9.9% Minimum regulatory requirement 11.1% 6.9% 7.8% 11.1% 6.9% NBG (Basel III) Tier I capital adequacy ratio 14.4% 12.0% 13.3% 14.4% 12.0% Minimum regulatory requirement 13.4% 8.7% 9.8% 13.4% 8.7% NBG (Basel III) Total capital adequacy ratio 19.1% 17.4% 18.6% 19.1% 17.4% Minimum regulatory requirement 17.7% 13.3% 13.8% 17.7% 13.3% * For the description of Key Ratios, refer to page 89 87

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