Retail Banking Financial Update

40% 20% 0% -20% -40% -60% -80% -100% TRACKING GEORGIA'S ECONOMIC RECOVERY RECOVERY REVERESED IN 4Q20 AS THE COUNTRY INPOSED 2ND PARTIAL LOCKDOWN Source: Geostat, NBG, GNTA Remmitances Exports Imports Trade deficit Tourist arrivals 60% +8.8% -12.0% -15.9% -18.4% -78.6% 60% Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 % change y/y m Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Annual % change in 2020 Sep-20 Oct-20 Nov-20 Dec-20 Jan-20 Feb-20 Mar-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 40% 20% 0% -20% -40% -60% -80% -100% 8

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