Ameriabank COVID-19 Response and Financial Highlights

Λ 3.3% NPL (Stage 3) 2.9% 4.2% 86% 2018 2019 2Q2020 1.7% Cost of credit risk 1.3% Loan Portfolio Quality Coverage ratio (Stage 3) 81% 49% HIGHLIGHTS NPL ratio and Cost of credit risk increased by 1.3pp and 0.6pp respectively, mainly due to additional provisioning in some loan buckets, considering COVID- 19 related uncertainty and possible negative impact. 2018 2019 2Q2020 1.9% 2018 2019 2Q2020 4.2% NPL 1.9% Cost of credit risk 49% Coverage ratio 12

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