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Investor Presentaiton

90 03/Jan/20 100 16/Jan/20 29/Jan/20 110 120 130 140 150 US$ Purchase US$ sale 0 150 100 50 200 -50 -20 -20 -18 -20 -30 -30 -40 -25 -50 -100 -150 -70 -20 -65 Jan-17 Mar-17 May-17 Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Jan-19 00 Mar-19 May-19 Jul-19 USD/GEL USD/TRY ■Net Monthly Interventions, $ mn Exchange rate indices (1 January=100) Sources: NBG 11/Feb/20 24/Feb/20 08/Mar/20 21/Mar/20 03/Apr/20- 16/Apr/20- 29/Apr/20 12/May/20 25/May/20 07/Jun/20 20/Jun/20 03/Jul/20 16/Jul/20 29/Jul/20 11/Aug/20 24/Aug/20 06/Sep/20 19/Sep/20 02/Oct/20 15/Oct/20 USD/RUB FLOATING EXCHANGE RATE - POLICY PRIORITY Central Bank's interventions Sources: NBG 250 NBG has sold $953 million since March 2020 ($873 million in 2020) on the foreign exchange market and maintains a declaration of active intervention policy to provide liquidity Real effective exchange rate (REER) Sources: NBG 135 200 174 120 100 60 40 20 50 33 20 20 T jilli 130 125 120 80 115 110 105 100 95 90 Sep-19 Nov-19 Jan-20 Mar-20 May-20 Jul-20 USD/UAH USD/AMD USD/BYR 50 45 252525252 40 90 85 80 75 70 65 60 28/Oct/20 10/Nov/20 23/Nov/20 06/Dec/20 19/Dec/20 01/Jan/21 14/Jan/21 27/Jan/21 09/Feb/21 Jan-05 Jun-05 Nov-05 Apr-06 Sep-06 Feb-07 20-յոր Sep-20 Nov-20 Jan-21 85 Jan-03 Aug-03 Mar-04 Oct-04 May-05 Dec-05 90-inc Feb-07 Sep-07 Apr-08 Nov-08 60-unr Jan-10 Dollarization ratios Source: NBG REER (Jan 2003 100) Linear (REER (Jan 2003 = 100)) Both deposit and loan dollarization jumped in March on the back of the pandemic and GEL depreciation, but have declined since then Loan dollarization Dec-07 May-08 Oct-08 Mar-09 Aug-09 Jan-10 Jun-10 Nov-10 Apr-11 Sep-11 Feb-12 Jul-12 Dec-12 May-13 Oct-13 Mar-14 Aug-14 Jan-15 Jun-15 Nov-15 Apr-16 Sep-16 Aug-10 Mar-11 Oct-11 May-12 Dec-12 Jul-13 Feb-14 Sep-14 Apr-15 Nov-15 Jun-16 Jan-17 Aug-17 Mar-18 Oct-18 May-19 Dec-19 Jul-20 Deposit dollarization Feb-17 Jul-17 Dec-17 May-18 Oct-18 Mar-19 Aug-19 Jan-20 Jun-20 Nov-20 77 65 60 55 50 45 40 SOGEFOR 90 85 80 75 70 GEORGIA CAPITAL
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