Investor Presentaiton

Key ratios 2Q22 2Q21 1Q22 1H22 1H21 Liquidity NBG liquidity coverage ratio (minimum requirement 100%) 113.5% 124.5% 116.2% 113.5% 124.5% Liquid assets to total liabilities 35.6% 31.0% 32.3% 35.6% 31.0% Net loans to client deposits and notes 107.9% 106.1% 112.2% 107.9% 106.1% Net loans to client deposits and notes + DFIs 95.5% 93.2% 97.9% 95.5% 93.2% Leverage (times) 6.4 6.8 6.4 6.4 6.8 Asset Quality: NPLS (GEL thousands) 436,889 524,964 NPLs to gross loans to clients 2.6% 3.5% 424,405 2.5% 436,889 524,964 2.6% 3.5% NPL coverage ratio 89.6% 73.1% 97.3% 89.6% 73.1% NPL coverage ratio, adjusted for discounted value of collateral 138.0% 122.2% 153.0% 138.0% 122.2% Cost of credit risk, annualised 0.6% -0.6% 0.8% 0.7% 0.1% RB Cost of credit risk 1.2% 0.3% 1.9% 1.5% 0.8% CIB Cost of credit risk -0.5% -2.4% -3.3% -1.9% -1.3% Capital Adequacy: NBG (Basel III) CET1 capital adequacy ratio 14.0% 12.5% 13.7% 14.0% 12.5% Minimum regulatory requirement 11.7% 11.1% 11.8% 11.7% 11.1% NBG (Basel III) Tier I capital adequacy ratio 16.4% 14.4% 15.4% 16.4% 14.4% Minimum regulatory requirement NBG (Basel III) Total capital adequacy ratio Minimum regulatory requirement 14.0% 13.4% 14.1% 14.0% 13.4% 19.8% 19.1% 19.7% 19.8% 19.1% 17.5% 17.7% 17.6% 17.5% 17.7% FX rates: 2Q22 2Q21 1Q22 GEL/US$ exchange rate (period-end) GEL/GBP exchange rate (period-end) 2.9289 3.1603 3.1013 3.5662 4.3754 4.0732 * For a description of Key Ratios, refer to slide 62 Shares outstanding Ordinary shares Treasury shares Total shares outstanding 46,983,572 47,578,565 47,396,266 2,185,856 1,590,863 1,773,162 49,169,428 49,169,428 49,169,428 60

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