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Investor Day 2020 Overview and Strategy

STRENGTH OF CAPITAL • Upfront provision for the full economic cycle: 8 NBG BASEL III CET1 CAPITAL ADEQUACY RATIO 12.4% 12.2% NBG - c. GEL 400 million IFRS-GEL 220 million 11.5% 9.9% 9.9% 9.1% 8.3% • Release of capital buffers by the National Bank of Georgia • Strong internal capital generation 7.0% 8.1% 9.5% 10.1% 6.9% 6.9% 6.9% DEC-16* DEC-17 DEC18 DEC-19 MAR-20 JUN-20 SEP-20 CET1 capital requirement ● CET1 capital adequacy ratio * Basel II CET1 capital adequacy ratio and requirement

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