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KEY RATIOS 4Q21 4Q20 3Q21 2021 2020 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) 124.0% 138.6% 112.7% 124.0% 138.6% Liquid assets to total liabilities 29.7% 33.5% 28.3% 29.7% 33.5% Net loans to client deposits and notes 115.2% 101.2% 117.0% 115.2% 101.2% Net loans to client deposits and notes + DFIs 100.0% 89.4% 102.1% 100.0% 89.4% Leverage (times) 6.6 7.6 6.6 6.6 7.6 Asset Quality: NPLs (in GEL) 394,720 545,837 413,626 394,720 NPLs to gross loans to clients 2.4% 3.7% 2.6% 2.4% 545,837 3.7% NPL coverage ratio 95.5% 76.3% 90.9% 95.5% 76.3% NPL coverage ratio, adjusted for discounted value of collateral 147.7% 128.8% 140.9% 147.7% 128.8% Cost of credit risk, annualised -0.2% 0.4% 0.2% 0.0% 1.8% RB Cost of credit risk 0.7% 0.6% 0.4% 0.7% 2.1% CIB Cost of credit risk -1.8% 0.4% -0.3% -1.2% 1.5% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 13.2% 10.4% 12.8% 13.2% 10.4% Minimum regulatory requirement 11.5% 7.4% 11.0% 11.5% 7.4% NBG (Basel III) Tier I capital adequacy ratio 15.0% 12.4% 14.6% 15.0% 12.4% Minimum regulatory requirement 13.6% 9.2% 13.2% 13.6% 9.2% NBG (Basel III) Total capital adequacy ratio 19.3% 17.6% 19.2% 19.3% 17.6% Minimum regulatory requirement 17.7% 13.8% 17.3% 17.7% 13.8% * For the description of Key Ratios, refer to page 88 85

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