Retail Banking Financial Update

STRONG CAPITAL ADEQUACY POSITION • BOG EQUITY VS. CET1 REG. CAPITAL | DEC-20 GEL MILLIONS RISK WEIGHTED ASSETS OGEL MILLIONS +5.8% % of RWAs 10.4% 2.5% 0.9% 1.7% 273 2,479 16,040 146 399 14,641 15,162 13,868 14,099 1,662 3.4% NBG CET1 Capital Loan provisioning provisioning methodology methodology. difference IP Other deductions* BOG Equity (IFRS) Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 difference * Revaluation reserve, investments in non-financial subsidiaries and intangible assets Existing additional capital buffers (within c.3.4% of risk-weighted assets) reflecting differences in provisioning methodology between the NBG and IFRS 9 NBG plans to transition to IFRS-based financial reporting during 2021 2022 40

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