Retail Banking Financial Update

180 160 140 120 100 80 60 40 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 800Є 4Q08 1Q09 2Q09 3Q09 60077 1Q10 2Q10 • REAL ESTATE PRICE INDEX 3Q10 4Q10 1Q11 Inflation adjusted real estate price index (2010-100, GEL) Real wage index (2010-100, GEL) CREDIT GROWTH DYNAMICS BANKING SECTOR CORPORATE & RETAIL LOANS TO GDP MORTGAGE LOANS Source: NBG, Geostat Source: NBG 119,300 70% Retail loans to GDP 8,624 106,370 60% 92,980 Corporate loans to GDP 39% 29,600 7,048 50% 6,031 72,140 31,720 33% 33% 5,062 35,990 40% 27% 30% 4,315 23% 4,453 32,680 30% 20% 17% 4,604 89,700 11% 12% 13% 74,650 20% 3,350 38% 56,990 31% 2,649 39,470 10% 17% 17% 18% 19% 21% 26% 24% 25% 27% 2,595 966 1,427 0% 2017 2018 2019 2020 2017 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 ■FX-denominated mortgage loans, GEL mn ■GEL-denominated mortgage loans, GEL mn * Total mortgage loans, GEL mn 2018 Number of mortgage loans in FX Number of mortgage loans in GEL Total number of mortgage loans. 2019 2020 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1014 1Q14 2Q14 3Q14 3Q14 4Q14 4x14 1Q15 2Q15 3Q15 4Q15 1Q16 2Q16 3Q16 4Q16 1Q17 1017 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 Source: NBG, Geostat 57

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