Investor Presentaiton

៦ 8 8 8 ៩៩៩ ៩ 100 120 180 160 140 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 80077 1Q09 2Q09 3Q09 60077 REAL ESTATE PRICE INDEX 1Q10 2Q10 3Q10 4Q10 1Q11 CREDIT GROWTH DYNAMICS BANKING SECTOR CORPORATE & RETAIL LOANS Inflation adjusted real estate price index (2010=100, GEL) Real wage index (2010-100, GEL) TO GDP Source: NBG, Geostat 8,624 8,626 119,300 Source: NBG 123,500 70% 106,370 Retail loans to GDP 7,048 92,980 28,500 60% Corporate loans to GDP 39% 6,031 29,600 37% 50% 5,035 4,708 31,720 33% 35,990 33% 40% 27% 30% 4,453 23% 30% 20% 4,604 17% 89,700 95,000 11% 12% 13% 74,650 20% 31% 38% 35% 3,589 3,918 56,990 24% 26% 25% 27% 2,595 10% 17% 17% 18% 21% 19% 1,427 0% 2018 2019 2020 1H21 2018 2019 2020 1H21 2Q11 MORTGAGE LOANS 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1H21 FX-denominated mortgage loans, GEL mn ■GEL-denominated mortgage loans, GEL mn ◆ Total mortgage loans, GEL mn Number of mortgage loans in FX Number of mortgage loans in GEL Total number of mortgage loans 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 LZOL 2Q21 Source: NBG, Geostat 56

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