Retail Banking Financial Update

KEY RATIOS 4Q20 4Q19 3Q20 2020 2019 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) 138.6% 136.7% 147.0% 138.6% 136.7% Liquid assets to total liabilities 33.5% 33.9% 33.7% 33.5% 33.9% Net loans to client deposits and notes 101.2% 118.4% 104.9% 101.2% 118.4% Net loans to client deposits and notes + DFIs 89.4% 103.2% 92.1% 89.4% 103.2% Leverage (times) 7.6 7.6 7.9 7.6 7.6 Asset Quality: NPLs (in GEL) 545,837 252,695 530,631 545,837 NPLs to gross loans to clients 3.7% 2.1% 3.8% 3.7% 252,695 2.1% NPL coverage ratio 76.3% 80.9% 76.8% 76.3% 80.9% NPL coverage ratio, adjusted for discounted value of collateral 128.8% 139.6% 131.4% 128.8% 139.6% Cost of credit risk, annualised 0.4% 0.2% 0.2% 1.8% 0.9% RB Cost of credit risk 0.6% 0.2% 0.8% 2.1% 1.2% CIB Cost of credit risk 0.4% 0.5% -1.1% 1.4% 0.2% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 10.4% 11.5% 9.9% 10.4% 11.5% Minimum regulatory requirement 7.4% 10.1% 6.9% 7.4% 10.1% NBG (Basel III) Tier I capital adequacy ratio 12.4% 13.6% 12.0% 12.4% 13.6% Minimum regulatory requirement 9.2% 12.2% 8.7% 9.2% 12.2% NBG (Basel III) Total capital adequacy ratio 17.6% 18.1% 17.3% 17.6% 18.1% Minimum regulatory requirement 13.8% 17.1% 13.3% 13.8% 17.1% * For the description of Key Ratios, refer to page 90 88

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