3Q20 Financial Performance

STRONG CAPITAL ADEQUACY POSITION BOG EQUITY VS. CET1 REG. CAPITAL | SEP-20 % of 9.9% 2.7% 0.9% RWAS 1.8% 266 2,310 132 415 GEL millions 1,496 3.6% GEL millions RISK WEIGHTED ASSETS 29 13,585 13,868 14,641 15,162 14,099 NBG CET1 Capital Loan IP Other provisioning provisioning deductions* methodology methodology difference difference BOG Equity (IFRS) Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 * Revaluation reserve, investments in non-financial subsidiaries and intangible assets Existing additional capital buffers (within c.3.6% of risk-weighted assets) reflecting differences in provisioning methodology between NBG and IFRS 9 NBG plans to transition to IFRS-based financial reporting during 2021-2022

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