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Investor Presentaiton

BANKING SECTOR OVERVIEW ARMENIAN BANKING SYSTEM IS ADEQUATELY CAPITALIZED ABOVE THE REGULATORY REQUIREMENTS AND WELL-POSITIONED TO THE SHOCKS INDUCED BY THE PANDEMIC LIQUIDITY RATIO CAPITAL ADEQUACY RATIO 32.5% 32.1% 31.7% 28.0% 27.3% 27.1% 25.6% 2015 2016 2017 2018 2019 -Liquid Assets (% of Total Assets) 2020 2021 September BANKING SECTOR DEPOSITS 20.0% 18.6% 17.7% 17.6% 16.9% 17.2% 16.2% 16.4% 15.2% 15.2% 15.2% 14.7% 15.3% 14.0% 2015 2016 2017 CAR (% RWA*) 2018 2019 2020 -Tier-1 CAR (% of RWA) 2021 September * Risk Weighted Assets NON-PERFORMING LOANS AND COVERAGE RATIO* 65.1% 62.9% 62.9% 62.9% 62.9% 78.8% 57.3% 57.5% 3,462.33 73.3% 74.9% 68.9% 70.6% 66.8% 59.4% 3,329.28 3,256 2,728 2,464 2,177 1,789 22 32 2015 2016 2017 Total Banking Sector Deposits (AMD bln) 2018 2019 4.3% 4.6% 4.0% 3.1% 3.4% 4.6% 2020 NPL Coverage ratio (%) 2015 2016 2017 2018 2019 2020 2021 September NPL (% of Total Loans) Deposits (% of Total Liabilities) * Excluding watch category loans and reserves Source: CBA 3.0% 2021 September
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