Investor Presentaiton

Key ratios Currency data in GEL thousands, unless otherwise stated 1Q22 1Q21 4Q21 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) Liquid assets to total liabilities 116.2% 149.3% 124.0% 32.3% 34.7% 29.7% Net loans to client deposits and notes 112.2% 104.3% 115.2% Net loans to client deposits and notes + DFIs 97.9% 90.0% 100.0% Leverage (times) 6.4 7.5 6.6 Asset Quality: NPLs (in GEL) 424,405 534,626 394,720 NPLs to gross loans to clients 2.5% 3.6% NPL coverage ratio 97.3% 77.5% 2.4% 95.5% NPL coverage ratio, adjusted for discounted value of collateral 153.0% 127.8% 147.7% Cost of credit risk, annualised 0.8% 0.8% -0.2% RB Cost of credit risk 1.9% 1.4% 0.7% CIB Cost of credit risk -3.3% -0.2% -1.8% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 13.7% 11.2% 13.2% Minimum regulatory requirement 11.8% 7.8% 11.5% NBG (Basel III) Tier I capital adequacy ratio 15.4% 13.3% 15.0% Minimum regulatory requirement 14.1% 19.8% 13.6% NBG (Basel III) Total capital adequacy ratio 19.7% 18.6% 19.3% Minimum regulatory requirement 17.6% 13.8% 17.7% * For a description of Key Ratios, refer to page 71 67

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