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Investor Presentaiton

Jan-18 Feb-18 ៦៦០ ៦២៩៩៩ Mar-18 Apr-18 REMITTANCES UP 2.4% Y/Y IN 1920 May-18 Jun-18 Jul-18 Sep-18 Aug-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 RECENT TREND - REMITTANCES AT US$ 389mn IN 1Q20 May-19 Jun-19 Jul-19 Remittances, US$ mn Total remittances, % change y/y Aug-19 Sep-19 Oct-19 Nov-19 Dec-19 Jan-20 Feb-20 Mar-20 Source: NBG REMITTANCES BY COUNTY, 1920 50% 40% 30% Kazakhstan. 1.3% Other 5.0% EU 41.5% 20% Azerbaijan. 10% 1.6% 0% Ukraine -10% 2.9% -20% Turkey. 5.8% Israel. Russia USA 10.1% 20.6% 11.1% Source: NBG 69
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