Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1698058957091.pdf (Georgia)
1 2 3 4 Name of a bank Chairman of the Supervisory Board CEO of a bank Bank's web page Pillar 3 quarterly report JSC CARTU BANK Nikoloz Chkhetiani Nato Khaindrava www.cartubank.ge Senior management of the bank ensures fair presentation and accuracy of the information provided within Pillar 3 disclosure report.

The report is prepared in accordance with internal review and control processes coordinated with the board.
The report meets the requirements of the decree N92/04 of the Governor of the National Bank of Georgia on “Disclosure requirements for commercial banks within Pillar 3” and other relevant decrees and regulations of NBG.
Table N Table of contents 1 Key ratios 2 Balance Sheet 3 Income statement 4 Off-balance sheet 5 Risk-Weighted Assets (RWA) 6 Information about supervisory board, senior management and shareholders 7 Linkages between financial statement assets and balance sheet items subject to credit risk weighting 8 Differences between carrying values of balance sheet items and exposure amounts subject to credit risk weighting 9 Regulatory Capital 9.1 Capital Adequacy Requirements 10 Reconciliation of regulatory capital to balance sheet 11 Credit risk weighted exposures 12 Credit risk mitigation 13 Standardized approach - effect of credit risk mitigation 14 Liquidity Coverage Ratio 15 Counterparty credit risk 15.1 Leverage Ratio 16 Net Stable Funding Ratio 17 Exposures distributed by residual maturity and Risk Classes 18 Gross carrying value, book value, reserves and write-offs by risk classes 19 Gross carrying value, book value, reserves and write-offs by Sectors of income source 20 Change in reserve for loans and Corporate debt securities 21 Changes in the stock of non-performing loans over the period 22 Distribution of loans, Debt securities and Off-balance-sheet items according to Risk classification and Past due days 23 Loans Distributed according to LTV ratio, Loan reserves, Value of collateral for loans and loans secured by guarantees according to Risk classification and past due days 24 Loans and reserves on loans distributed according to Sectors of income source and risk classification 25 Loans, corporate debt
 securities and Off-balance-sheet items distributed by type of collateral 26 General and Qualitative information on Retail Products Bank: Date: JSC CARTU BANK 30/09/2022 Table 1 N Key metrics Regulatory capital (amounts, GEL) Based on Basel III framework 1 CET1 capital 2 Tier1 capital 3 Regulatory capital 4 CET1 capital total requirement 5 Tier1 capital total requirement 6 Regulatory capital total requirement 3Q-2022 2Q-2022 1Q-2022 4Q-2021 3Q-2021 211,365,830 287,916,230 332,079,701 155,205,239 195,580,136
Total Risk Weighted Assets (Total RWA) (Based on Basel III framework) 1,372,073,122 1,354,126,092 1,361,151,846 1,299,143,577 1,318,377,849 Total Risk Weighted Assets (amounts, GEL) Capital Adequacy Ratios Based on Basel III framework * 8 CET1 capital 9 Tier1 capital 10 Regulatory capital 11 CET1 capital total requirement 12 Tier1 capital total requirement 13 Regulatory capital total requirement Income 14 Total Interest Income /Average Annual Assets 15 Total Interest Expense / Average Annual Assets 16 Earnings from Operations / Average Annual Assets 17 Net Interest Margin 18 Return on Average Assets (ROAA) 19 Return on Average Equity (ROAE) 20 Non Performed Loans / Total Loans 21 LLR/Total Loans 22 FX Loans/Total Loans 23 FX Assets/Total Assets 24 Loan Growth-YTD 25 Liquid Assets/Total Assets 26 FX Liabilities/Total Liabilities 27 Current & Demand Deposits/Total Assets Asset Quality Liquidity 28 Total HQLA 29 Net cash outflow 30 LCR ratio (%) 31 Available stable funding 32 Required stable funding 33 Net stable funding ratio (%) Liquidity Coverage Ratio*** Net Stable Funding Ratio * Regarding the annulment of conservation buffer requirement please see the press release
 of National Bank of Goergia "Supervisory Plan Of The National Bank Of Georgia With Regard To COVID-19" (link: https://www.nbg.gov.ge/index.php?m=340&newsid=3901&lng=eng ) *** LCR calculated according to NBG's methodology which is more focused on local risks than Basel framework.
See the table 14.

LCR; Commercial banks are required to comply with the limits by coefficients calculated according to NBG's methodology.

The numbers calculated within Basel framework are given for illustratory purposes.
15.40% 20.98% 24.20% 11.31% 14.25% 19.69% 6.49% 2.09% 3.11% 4.41% 2.02% 14.15% 28.03% 15.73% 61.54% 70.28% -18.61% 47.32% 85.55% 48.76% 15.07% 20.91% 24.25% 11.22% 14.13% 19.45% 5.41% 2.18% 1.80% 3.24% 2.10% 14.66% 30.31% 16.38% 61.06% 70.11% - -11.44% 25.45% 84.52% 30.74% 13.32% 19.72% 23.51% 10.50% 13.17% 20.11% 5.87% 2.66% 2.42% 3.22% 2.22% 16.79% 35.63% 16.97% 67.61% 67.87% - Bank: Date: JSC CARTU BANK 30/09/2022 Table 2 Balance Sheet in Lari N Assets Cash Due from NBG Due from Banks Dealing Securities Investment Securities Loans Less: Loan Loss Reserves Net Loans Accrued Interest and Dividends Receivable Other Real Estate Owned & Repossessed Assets Equity Investments Fixed Assets and Intangible Assets Liabilities Other Assets Total assets Due to Banks Current (Accounts) Deposits Demand Deposits Time Deposits Own Debt Securities Borrowings
 Accrued Interest and Dividends Payable Other Liabilities Subordinated Debentures Total liabilities Equity Capital Common Stock Preferred Stock Less: Repurchased Shares Share Premium General Reserves Retained Earnings Asset Revaluation Reserves Total Equity Capital Total liabilities and Equity Capital GEL 7,411,563 11,614,076 25,085,204 0 30,951,490 302,104,851 -38,882,699 263,222,152 23,221,318 22,389,016 7,793,239 19,652,282 32,865,206 Reporting Period FX 24,760,989 275,531,232 343,499,332 0 0 Total
 32,172,552 287,145,308 368,584,536 0 Respective period of the previous year GEL FX Total 24,978,912 13,293,605 15,161,176 0 7,578,172 198,339,911 96,890,489 0 32,557,084 211,633,516 112,051,665 0 54,711,009 981,831,435 30,951,490 39,409,289 15,301,720 483,408,803 785,513,654 318,023,858 663,807,577 -84,711,781 -123,594,480 -61,548,402 -105,066,164 -166,614,566 398,697,022 661,919,174 256,475,456 558,741,413 6,299,712 X 0 X 1,517,069 29,521,030 22,389,016 7,793,239 19,652,282 34,382,275 10,922,059 6,855,626 7,793,239 20,325,454 23,313,144 6,375,935 X 0 X -41,510 214,633,370 399,588,341 0 0 0 7,438,034 92,806,846 -41,510 214,633,370 1,494,510,902 0 0 0 7,438,034 60,371,346 -251,711 181,987,669 348,958,682 0 0 0 7,438,034
 60,371,346 -251,711 181,987,669 1,302,415,459 953,456,777 1,094,922,561 Bank: Date: JSC CARTU BANK 30/09/2022 Table 3 N N Income statement GEL Reporting Period FX Total Respective period of the previous year GEL Total FX in Lari Interest Income from Bank's "Nostro" and Deposit Accounts Interest Income from Loans Interest Income from the Interbank Loans from the Retail or Service Sector Loans from the Energy Sector Loans from the Agriculture and Forestry Sector Loans from the Construction Sector Loans from the
 Mining and Mineral Processing Sector Loans from the Transportation or Communications Sector Loans from Individuals Loans from Other Sectors Loans Fees/penalties income from loans to customers Interest and Discount Income from Securities Other Interest Income Total Interest Income Interest Expense Interest Paid on Demand Deposits Interest Paid on Time Deposits Interest Paid on Banks Deposits Interest Paid on Own Debt Securities Interest Paid on Other Borrowings Other Interest Expenses Total Interest Expense Net Interest Income Non-Interest Income Net Fee and Commission Income Fee and Commission Income Fee and Commission Expense Dividend Income Gain (Loss) from Dealing Securities Gain (Loss) from Investment Securities Gain (Loss) from Foreign Exchange Trading Gain (Loss) from Foreign Exchange Translation Gain (Loss) on Sales of Fixed Assets Non-Interest Income from other Banking Operations Other Non-Interest Income Total Non-Interest Income Non-Interest Expenses Non-Interest Expenses from other Banking Operations Bank Development, Consultation and Marketing Expenses Personnel Expenses Operating Costs of Fixed Assets Depreciation Expense Other Non-Interest Expenses Total Non-Interest Expenses Net Non-Interest Income Net Income before Provisions Loan Loss Reserve Provision for Possible Losses on Investments and Securities Provision for Possible Losses on Other Assets Total Provisions for Possible Losses Net Income before Taxes and Extraordinary Items Taxation Net
 Income after Taxation Extraordinary Items Net Income 9,089,219
136,526 27,801 28,325,974 68,098 9,089,219 10,027 0 4,775,926 8,182,339 32,344,939 13,943,270 14,382,704 -333,978 2,064,874 2,398,852 0 2,011,166 -23,397 6,335,099 -4,561,174 10,995 994,034 778,648 5,211,393 378,119 106,317 11,158,172 60,321 3,299,975 4,338,332 19,341,236 -14,129,843 -2,214,696 8,146,735 10,361,431 0 0 1,083,389 0 177,032 267 -954,008 475 1,923 168,687 171,085 -1,125,093 2,791,252 53,328,745 0 20,132,057 11,092 1,457,607 7,562,370 11,442,865 138,636 4,179,527 8,404,589 12,241,153 464,301 27,801 68,853,252 903,710 16,396,232 49,741 0 4,775,926 0 22,125,609 46,727,643 -2,548,674 10,211,609 12,760,283 0 2,011,166 1,059,992 6,335,099 -4,561,174 10,995 1,171,066 778,915 4,257,385 378,594 108,240 11,158,172 60,321 3,299,975 4,507,019 19,512,321 -15,254,936 1,693,035 20,557,144 0 9,630,796 0 1,243,811 2,462,709 4,509,217 4,339 1,144,625 1,561,647 661,450 416,759 0 23,328,388 834,341 6,017,831 1,488 0 0 -446,268 34,020,921 0 11,048,778 14,026 3,014,880 4,200,889 3,078,794 144,858 2,364,327 10,154,369 2,522,233 1,346,344 1,408 37,444,638 -219,057 13,266,600 389 0 7,601,197 6,853,660 16,474,728 20,649,129 16,795,509 -295,335 2,079,557 2,374,892 138,056 2,480,752 -9,238 2,517,991 -3,436,329 12,190 1,162,594 8,493,236 11,063,917 490,370 164,004 9,797,458 33,746 3,299,973 3,336,084 17,121,635 -6,057,718 -3,327,052 1,445,580 4,772,632 0 0 -4 0 168,653 239,024 -2,919,379 10,550 1,134 181,462 193,146 -3,112,525 1,246,767 54,578,065 0 20,679,575 14,026 4,258,691 6,663,598 7,588,011 149,196 3,508,952 11,716,016
 3,183,683 1,763,103 1,408 60,773,026 615,284 19,284,431 1,877 0 7,601,197 0 27,502,789 33,270,237 -3,622,387 3,525,137 7,147,524 138,056 2,480,752 -9,242 2,517,991 -3,436,329 12,190 1,331,247 8,732,260 8,144,538 500,920 165,138 9,797,458 33,746 3,299,973 3,517,546 17,314,781 -9,170,243 18,215,096 13,257,611 31,472,707 10,417,010 13,682,984 24,099,994 -24,750,122 -309,760 31,521,125 6,461,243 11,753,853 3,612,278 8,141,575 0 8,141,575 -24,750,122 -309,760 31,521,125 6,461,243 25,011,464 3,612,278 21,399,186
 0 21,399,186 -5,742,774 -15,380 2,644,057 -3,114,097 13,531,107 4,231,910 9,299,197 0 9,299,197 0 13,257,611 13,257,611 13,257,611 0 13,682,984 13,682,984 13,682,984 -5,742,774 -15,380 2,644,057 -3,114,097 27,214,091 4,231,910 22,982,181 0 22,982,181 On-balance sheet items per standardized regulatory report Reporting Period Respective period of the previous year GEL FX Total GEL FX Total Bank: Date: JSC CARTU BANK 30/09/2022 Table 4 Contingent Liabilities and Commitments Guarantees Issued Letters of credit Issued Undrawn loan commitments Other Contingent Liabilities Guarantees received as security for liabilities of the bank Assets pledged as security for liabilities of the bank Financial assets of the bank Non-financial assets of the bank Guaratees received as security for receivables of the bank Surety, joint liability Guarantees in Lari 0 0 0 0 0 0 13,379,525 527,798,347 0 Assets pledged as security for receivables of the bank 0 Cash Precious metals and stones Real Estate: 32,013,160 15,576,637 47,589,797 2,690,799 35,408,506 38,099,306 0 0 0 0 0 0 17,236,365 1,423,188,723 1,440,425,088 16,744,454 1,762,158,453 1,778,902,907 Residential Property Commercial Property Complex Real
 Estate Land Parcel Other Movable Property Shares Pledged Securities Other Derivatives Receivables through FX contracts (except options) Payables through FX contracts (except
 options) Principal of interest rate contracts (except options) Options sold Options purchased Nominal value of potential receivables through other derivatives Nominal value of potential payables through other derivatives Receivables not recognized on-balance Principal of receivables derecognized during last 3 month Interest and penalty receivable not recognized on-balance or derecognized during last 3 month Principal of receivables derecognized during 5 years month (including last 3 month) Interest and penalty receivable not recognized on-balance or derecognized during last 5 years (including last 3 month) Non-cancelable operating lease Through indefinit term agreement Within one year From 1 to 2 years From 2 to 3 years From 3 to 4 years From 4 to 5 years More than 5 years Capital expenditure commitment 0
546,021,956 213,271,351 4,840,340 44,565,045 0 41,921,151 41,690,000 0 0 0 0 0 0 1,637,012 4,954,333 1,662,844 7,782,422 N Bank: Date: JSC CARTU BANK 30/09/2022 Table 5 N 1 1.1 1.1.1 1.2 1.3 2 3 4 Risk Weighted Assets Risk Weighted Assets for Credit Risk Balance sheet items * Including: amounts below the thresholds for deduction (subject to 250% risk weight) Off-balance sheet
 items Counterparty credit risk Risk Weighted Assets for Market Risk Risk Weighted Assets for Operational Risk Total Risk Weighted Assets * COVID 19 related provisions are deducted from balance sheet items after applying relevant risks weights and mitigation in Lari 3Q-2022 1,227,247,103 1,196,535,924 52,418,608 30,711,179 0 39,539,895 105,286,124 1,372,073,122 2Q-2022 1,193,624,492 1,164,932,547 43,188,478 28,691,945 0 55,215,476 105,286,124 1,354,126,092 1Q-2022 1,214,652,460 1,189,270,402 39,590,050 24,906,790 475,268 41,213,261 105,286,124 1,361,151,846 4Q-2021 1,161,153,557 1,128,092,368 40,402,658 32,460,741 600,448 32,703,895 105,286,124 1,299,143,577 3Q-2021 1,174,630,332 1,131,607,065 40,152,728 42,189,467 833,800 43,545,014 100,202,503 1,318,377,849 Bank: Date: JSC CARTU BANK 30/09/2022 Table 6 Information about supervisory board, directorate, beneficiary owners and shareholders Members of Supervisory Board 1 Nikoloz Chkhetiani 2 Besik Demetrashvili 3 Temur Kobakhidze 4 Zaza Verdzeuli 5 Tea Jokhadze Nato Khaindrava 2 Givi Lebanidze 3 Beka Kvaratskhelia 4 Zurab Gogua 5 David Galuashvili 6 Grigol Katsia 7 Giorgi Sulamanidze 8 9 10 Members of Board of Directors Independence status Non-independent chair Non-independent member Independent member Independent member Non-independent member Position/Subordinated business units General Director Deputy General Director - Financial Director Deputy General Director - Risk Director Deputy General Director
 - Commercial Director Deputy General Director - Operations Director Deputy General Director Deputy General Director - Digital Banking Director 1 N(N)LP INTERNATIONAL CHARITY FUND "CARTU" List of Shareholders owning 1% and more of issued capital, indicating Shares List of bank beneficiaries indicating names of direct or indirect holders of 5% or more of shares 1 Uta Ivanishvili 100% 100% Bank: Date: JSC CARTU BANK 30/09/2022 Table 7 Linkages between financial statement assets and balance sheet items subject
 to credit risk weighting a b c Carrying values of items Account name of standardazed supervisory balance sheet item Carrying values as reported in published stand-alone financial statements per local accounting rules Not subject to capital requirements or subject to deduction from capital Subject to credit risk weighting 6.1 6.2 Cash Due from NBG Due from Banks Dealing Securities Investment Securities Loans Less: Loan Loss Reserves Net Loans Accrued Interest and Dividends Receivable Other Real Estate Owned & Repossessed Assets Equity Investments Fixed Assets and Intangible Assets Other Assets Total exposures subject to credit risk weighting before adjustments 32,172,552 287,145,308 368,584,536 - 30,951,490 785,513,654 (123,594,480) 661,919,174 29,521,030 22,389,016 7,793,239 19,652,282 34,382,275 1,494,510,902 32,172,552 287,145,308 368,584,536 - 30,993,000 785,513,654 (123,594,480) 661,919,174 29,521,030 22,389,016 7,793,239 16,384,742 34,382,275 1,491,284,872 (41,510) 3,267,540 - 3,226,030 Bank: Date: Table 8 1 2.1 2.2 3 4 5.1 5.2 6 7 JSC CARTU BANK 30/09/2022 Differences between carrying values per standardized balance sheet used for regulatory reporting purposes and the exposure amounts used for capital adequacy calculation purposes Total carrying value of balance sheet items subject to credit risk weighting before adjustments Nominal values of off-balance sheet items subject to credit risk weighting Nominal values of off-balance sheet
 items subject to counterparty credit risk weighting 66,030,677 0 1,491,284,872 in Lari Total nominal values of on-balance and off-balance sheet items before any adjustments used for credit risk weighting purposes Effect of provisioning rules used for capital adequacy purposes Effect of credit conversion factor of off-balance sheet items related to credit risk framework Effect of credit conversion factor of off-balance sheet items related to counterparty credit risk framework (table CCR) Effect of other
 adjustments * Total exposures subject to credit risk weighting 1,557,315,549 9,620,013 -29,998,979 0 8,272,883 1,545,209,466 *Other adjustments include COVID 19 related provisions too.
These provisions are deducted from risk weighted balance sheet items.
See table "5.RWA" Bank: Date: Table 9 N JSC CARTU BANK 30/09/2022 Regulatory capital Common Equity Tier 1 capital before regulatory adjustments Common shares that comply with the criteria for Common Equity Tier 1 Stock surplus (share premium) of common share that meets the criteria of Common Equity Tier 1 Accumulated other comprehensive income Other disclosed reserves Retained earnings (loss) Regulatory Adjustments of Common Equity Tier 1 capital Revaluation reserves on assets Accumulated unrealized revaluation gains on assets through profit and loss to the extent that they exceed accumulated unrealized revaluation losses through profit and loss Intangible assets Shortfall of the stock of provisions to the provisions based on the Asset Classification Investments in own shares Reciprocal cross holdings in the capital of commercial banks, insurance entities and other financial institutions Cash flow hedge reserve Deferred tax assets not subject to the threshold deduction (net of related tax liability) Significant investments in the common equity tier 1 capital (that are not common shares) of commercial banks, insurance entities and other financial institutions that are outside the scope of regulatory consolidation Holdings of equity and other participations constituting more than 10% of the share capital of other commercial entities Significant investments in the common shares of
 commercial banks, insurance entities and other financial institutions (amount above 10% limit) Investments in the capital of commercial banks, insurance entities and other financial institutions where the bank does not own more than 10% of the issued share capital (amount above 10% limit) Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability) The amount of significant Investments and Deferred Tax Assets which exceed 15% of common equity tier 1 Regulatory
 adjustments applied to Common Equity Tier 1 resulting from shortfall of Tier 1 and Tier 2 capital to deduct investments Common Equity Tier 1 Additional tier 1 capital before regulatory adjustments Instruments that comply with the criteria for Additional tier 1 capital Including:instruments classified as equity under the relevant accounting standards Including: instruments classified as liabilities under the relevant accounting standards Stock surplus (share premium) that meet the criteria for Additional Tier 1 capital Regulatory Adjustments of Additional Tier 1 capital Investments in own Additional Tier 1 instruments Reciprocal cross-holdings in Additional Tier 1 instruments Significant investments in the Additional Tier 1 capital (that are not common shares) of commercial banks, insurance entities and other financial institutions Investments in the capital of commercial banks, insurance entities and other financial institutions where the bank does not own more than 10% of the issued share capital (amount above 10% limit) Regulatory adjustments applied to Additional Tier 1 resulting from shortfall of Tier 2 capital to deduct investments Additional Tier 1 Capital Tier 2 capital before regulatory adjustments Instruments that comply with the criteria for Tier 2 capital Stock surplus (share premium) that meet the criteria for Tier 2 capital General reserves, limited to a maximum of 1.25% of the bank’s credit risk-weighted exposures Regulatory Adjustments of Tier 2 Capital Investments in own shares that meet the criteria for Tier 2 capital Reciprocal cross-holdings in Tier 2 capital Significant investments in the Tier 2 capital (that are not common shares) of commercial banks, insurance entities and other financial institutions Investments in the capital of commercial banks, insurance entities and other financial institutions where the bank does not own more than 10% of the issued share capital (amount above 10% limit) Tier 2 Capital in Lari 214,674,880 114,430,000
 7,438,034 92,806,846 3,309,050 41,510 3,267,540 0 211,365,830 76,550,400 76,550,400 76,550,400 0 76,550,400 44,163,471 34,022,400 10,141,071 0 44,163,471 Bank: Date: JSC CARTU BANK 30/09/2022 Table 9.1 Capital Adequacy Requirements Minimum Requirements Pillar 1 Requirements 1.1 Minimum CET1 Requirement 1.2 Minimum Tier 1 Requirement 1.3 Minimum Regulatory Capital Requirement Combined Buffer 2.1 Capital Conservation Buffer * 2.2 Countercyclical Buffer 2.3 Systemic Risk Buffer Pillar 2 Requirements 3.1 CET1 Pillar 2 Requirement 3.2 Tier 1 Pillar2 Requirement 3.3 Regulatory capital Pillar 2 Requirement Total Requirements CET1 Tier 1 Total regulatory Capital * Regarding the annulment of conservation buffer requirement please see the press release of National Bank of Goergia "Supervisory Plan Of The National Bank Of Georgia With Regard To COVID-19" (link: https://www.nbg.gov.ge/index.php?m=340&newsid=3901&lng=eng ) Ratios Amounts (GEL) 4.50% 6.00% 8.00% 2.50% 0.00% 4.31% 5.75% 9.19% Ratios 11.31% 14.25% 19.69% 61,743,291 82,324,387 109,765,850 34,301,828 - - 59,160,120 78,953,921 126,057,812 Amounts (GEL) 155,205,239 195,580,136 270,125,489 Bank: Date: JSC CARTU BANK 30/09/2022 Table 10 Reconcilation of balance sheet to regulatory capital in Lari N On-balance sheet items per standardized
28 29 30 On-balance sheet items per standardized regulatory report Carrying values as reported in published stand-alone financial statements per local accounting rules linkage to capital table Cash Due from NBG Due from Banks Dealing Securities Investment Securities Of which common reserves Net Investment Securities Loans Less: Loan Loss Reserves Of which common reserves Of which the COVID 19 reserve Net Loans Accrued Interest and Dividends Receivable Other Real Estate Owned & Repossessed Assets Equity Investments Of which above 10% equity holdings in
 financial institutions Of which significant investments subject to limited recognition Significant Investments Reserves Of which below 10% equity holdings subject to limited recognition Investments Reserves Of which intangible assets Including deferred tax assets Of which common reserves Significant Reserves Of which offblance liabilities reserves Of which tier II capital qualifying instruments Fixed Assets and Intangible Assets Other Assets Net Other Assets Total assets Due to Banks Current (Accounts) Deposits Demand Deposits Time Deposits Own Debt Securities Borrowings Accrued Interest and Dividends Payable Other Liabilities Subordinated Debentures Total liabilities Common Stock Preferred Stock Less: Repurchased Shares Share Premium General Reserves Of which Regulatory Reserves Of which Special Funds Retained Earnings Asset Revaluation Reserves Total Equity Capital 32,172,552 287,145,308 368,584,536 0 31,011,490 -60,000 30,951,490 785,513,654 -123,594,480 -9,558,873 0 661,919,174 29,521,030 22,389,016 7,793,239 9,372,300 -1,634,921 57,000 -1,140 19,652,282 3,267,540 35,421,096 0 0 -1,038,821 34,382,275 1,494,510,902 5,638,289 668,265,773 60,438,185 403,840,950 0 0 13,511,268 17,610,267 521,058 110,572,800 34,022,400 1,279,877,532 114,430,000 0 0 0 7,438,034 6,838,034 600,000 92,806,846 -41,510 214,633,370 Table 9 (Capital), N39 Table 9 (Capital), N39 Table 9 (Capital), N39 table 9 (Capital), N10 Table 9 (Capital), N15 Table 9 (Capital), N39 Table 9 (Capital),
 N39 Table 9 (Capital), N37 Table 9 (Capital), N2 Table 9 (Capital), N5 Table 9 (Capital), N5 Table 9 (Capital), N6 Table 9 (Capital), N8 Bank: Date: JSC CARTU BANK 30/09/2022 Table 11 Credit Risk Weighted Exposures (On-balance items and off-balance items after credit conversion factor) Risk weights Exposure classes 1 Claims or contingent claims on central governments or central banks 2 Claims or contingent claims on regional governments or local authorities 3 Claims or contingent claims on public sector
 entities 4 Claims or contingent claims on multilateral development banks 5 Claims or contingent claims on international organizations/institutions 6 Claims or contingent claims on commercial banks 7 Claims or contingent claims on corporates 8 Retail claims or contingent retail claims 9 Claims or contingent claims secured by mortgages on residential property 10 Past due items 11 Items belonging to regulatory high-risk categories 12 Short-term claims on commercial banks and corporates 13 Claims in the form of collective investment undertakings (‘CIU’) 14 Other items Total a b c d e f g h i j k l m n o p q 0% 20% 35% 50% 75% 100% 150% 250% Risk Weighted Exposures before Credit Risk Mitigation On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount ########### 34,159,262 165,943 1,706,493 36,031,698 0 0 0 0 0 0 0 21,373,174 21,373,174 0 0 275,531,232 - - - - 140,086,032 628,679,029 - - 89,766,839 - - - 140,449,390 1,274,512,522 Bank: Date: JSC CARTU BANK 30/09/2022
 Table 12 Credit Risk Mitigation 1 Claims or contingent claims on central governments or central banks 2 Claims or contingent claims on regional governments or local authorities 3 Claims or contingent claims on public sector entities 4 Claims or contingent claims on multilateral development banks 5 Claims or contingent claims on international organizations/institutions 6 Claims or contingent claims on commercial banks 7 Claims or contingent claims on corporates 8 Retail claims or contingent retail claims 9
 Claims or contingent claims secured by mortgages on residential property 10 Past due items 11 Items belonging to regulatory high-risk categories 12 Short-term claims on commercial banks and corporates 13 Claims in the form of collective investment undertakings 14 Other items Total On-balance sheet netting Cash on deposit with, or cash assimilated instruments Debt securities issued by central governments or central banks, regional governments or local authorities, public sector entities, multilateral development banks and international organizations/institutions Debt securities issued by regional governments or local authorities, public sector entities, multilateral development banks and international organizations/institutions Funded Credit Protection Debt securities issued by other entities, which securities have a credit assessment, which has been determined by NBG to be associated with credit quality step 3 or above under the rules for the risk weighting of exposures to corporates.
Debt securities with a short- term credit assessment, which has been determined by NBG to be associated with credit quality step 3 or above under the rules for the risk weighting of short term exposures Equities or convertible bonds that are included in a main index Standard gold bullion or equivalent Debt securities without credit rating issued by commercial banks Units in collective investment undertakings Central governments or central banks Regional governments or local authorities Multilateral development banks International organizations / institutions Public sector entities Commercial banks Other corporate entities that have a credit assessment, which has been determined by NBG to be associated with credit quality step 2 or above under the rules for the risk weighting of exposures to corporates Total Credit Risk Mitigation - On-balance sheet Total Credit Risk Mitigation - Off-balance sheet Total Credit Risk Mitigation Unfunded Credit Protection in Lari Bank: Date: JSC CARTU BANK 30/09/2022 Table 13 Standardized approach - Effect of credit risk mitigation Asset Classes 1 Claims or contingent claims on central governments or central banks 2 Claims or contingent claims on regional governments or local authorities 3 Claims or contingent claims on public sector entities 4 Claims or contingent claims on multilateral
 development banks 5 Claims or contingent claims on international organizations/institutions 6 Claims or contingent claims on commercial banks 7 Claims or contingent claims on corporates 8 Retail claims or contingent retail claims 9 Claims or contingent claims secured by mortgages on residential property 10 Past due items 11 Items belonging to regulatory high-risk categories 12 Short-term claims on commercial banks and corporates 13 Claims in the form of collective investment undertakings (‘CIU’) 14 Other items
 Total a b c Off-balance sheet exposures On-balance sheet exposures Off-balance sheet exposures - Nominal value Off-balance sheet exposures post CCF d e f RWA before Credit Risk Mitigation RWA post Credit Risk Mitigation RWA Density f=e/(a+c) JSC CARTU BANK 30/09/2022 Bank: Date: Table 14 Liquidity Coverage Ratio Total unweighted value (daily average) Total weighted values according to NBG's methodology* (daily average) Total weighted values according to Basel methodology (daily average) GEL FX Total GEL FX Total GEL FX Total High-quality liquid assets Total HQLA 1 Cash outflows Cash inflows 9 10 11 12 Retail deposits Unsecured wholesale funding Secured wholesale funding Outflows related to off-balance sheet obligations and net short position of derivative exposures Other contractual funding obligations Other contingent funding obligations TOTAL CASH OUTFLOWS Secured lending (eg reverse repos) Inflows from fully performing exposures Other cash inflows TOTAL CASH INFLOWS 17,043,257 139,132,854 - 38,201,905 17,457,445 211,835,461 - 263,493,848
 21,227,945 284,721,794 313,720,348 706,562,852 - 27,296,971 24,464,994 1,072,045,165 - 630,484,864 993,103 631,477,967 330,763,606 845,695,706 - 65,498,875 41,922,439 1,283,880,626 - 893,978,712 22,221,049 916,199,760 13 14 15 Total HQLA Net cash outflow Liquidity coverage ratio (%) * Commercial banks are required to comply with the limits by coefficients calculated according to NBG's methodology.
The numbers calculated within Basel framework are given for illustratory purposes.
75,032,392 2,869,200 30,613,368 - 10,610,621 2,191,344 46,284,532 - 6,984,741 123,203 7,107,944 564,181,180 639,213,572 45,210,707 301,964,337 - 6,784,442 17,293,102 371,252,588 - 5,740,763 - 5,740,763 48,079,907 332,577,705 - 17,395,063 19,484,446 417,537,120 - 12,725,505 123,203 12,848,708 46,015,918 627,569 22,973,932 - 4,156,334 2,191,344 29,949,179 - 36,001,399 123,203 36,124,602 250,497,968 296,513,887 5,625,428 135,257,173 - 2,068,224 17,293,102 160,243,927 - 340,796,484 - 340,796,484 6,252,997 158,231,105 - 6,224,558 19,484,446 190,193,106 - 376,797,882 123,203 376,921,085 Total value according to NBG's methodology* (with limits) Total value according to Basel methodology (with limits) 75,032,392 39,176,588 191.52% 564,181,180 365,511,825 154.35% 639,213,572 404,688,413 157.95% 46,015,918 7,487,295 614.59% 250,497,968 40,060,982 625.29% 296,513,887 47,548,277 623.61% Bank: Date: JSC CARTU BANK 30/09/2022 Table 15 Counterparty credit risk 1 1.1 1.2 1.3 1.4 1.5 1.6 2 2.1 2.2 2.3 2.4 2.5 2.6 FX contracts Maturity less than 1 year Maturity from 1 year up to 2 years Maturity from 2 years up to 3 years Maturity from 3 years up to 4 years Maturity from 4 years up to 5 years Maturity over 5 years Interest rate contracts Maturity less than 1 year Maturity from 1 year up to 2 years Maturity from 2 years up to 3 years Maturity from 3 years up to 4 years Maturity from 4 years up to 5 years Maturity over 5 years Total a Nominal amount b c Percentage Exposure value d 0% e 20% f 35% g 50% h 75% i 100% j 150% k 250% l
 Counterparty Credit Risk Weighted Exposures 0 0 0 0 0 0 0 0 0 2.0% 5.0% 8.0% 11.0% 14.0% 0.5% 1.0% 2.0% 3.0% 4.0 - Bank: Date: JSC CARTU BANK 30/09/2022 Table 15.1 On-balance sheet exposures (excluding derivatives and SFTs) Leverage Ratio 1 2 3 On-balance sheet items (excluding derivatives, SFTs and fiduciary assets, but including collateral) * (Asset amounts deducted in determining Tier 1 capital) Total
 on-balance sheet exposures (excluding derivatives, SFTs and fiduciary assets) (sum of lines 1 and 2) 1,512,403,788 (3,309,050) 1,509,094,738 Derivative exposures 4 5 EU-5a Replacement cost associated with all derivatives transactions (ie net of eligible cash variation margin) Add-on amounts for PFE associated with all derivatives transactions (mark-to-market method) Exposure determined under Original Exposure Method Gross-up for derivatives collateral provided where deducted from the balance sheet assets pursuant to the applicable accounting framework (Deductions of receivables assets for cash variation margin provided in derivatives transactions) (Exempted CCP leg of client-cleared trade exposures) Adjusted effective notional amount of written credit derivatives (Adjusted effective notional offsets and add-on deductions for written credit derivatives) Total derivative exposures (sum of lines 4 to 10) Securities financing transaction exposures 12 13 14 EU-14a 15 EU-15a 16 Gross SFT assets (with no recognition of netting), after adjusting for sales accounting transactions (Netted amounts of cash payables and cash receivables of gross SFT assets) Counterparty credit risk exposure for SFT assets Derogation for SFTs: Counterparty credit risk exposure in accordance with Article 429b (4) and 222 of Regulation (EU) No 575/2013 Agent transaction exposures (Exempted CCP leg of client-cleared SFT exposure) Total securities financing transaction exposures (sum of
 lines 12 to 15a) Other off-balance sheet exposures 17 18 19 Off-balance sheet exposures at gross notional amount (Adjustments for conversion to credit equivalent amounts) Other off-balance sheet exposures (sum of lines 17 to 18) Exempted exposures in accordance with CRR Article 429 (7) and (14) (on and off balance sheet) EU-19a EU-19b (Exemption of intragroup exposures (solo basis) in accordance with Article 429(7) of Regulation (EU) No 575/2013 (on and off balance sheet)) (Exposures exempted in
 accordance with Article 429 (14) of Regulation (EU) No 575/2013 (on and off balance sheet)) Capital and total exposures Tier 1 capital Total leverage ratio exposures (sum of lines 3, 11, 16, 19, EU-19a and EU-19b) 20 21 Leverage ratio 22 Leverage ratio Choice on transitional arrangements and amount of derecognised fiduciary items EU-23 Choice on transitional arrangements for the definition of the capital measure EU-24 Amount of derecognised fiduciary items in accordance with Article 429(11) of Regulation (EU) NO 575/2013 *COVID 19 related provisions are deducted from balance sheet items - - - 66,030,677 (29,998,979) 36,031,698 287,916,230 1,545,126,437 18.63% Bank: Date: JSC CARTU BANK 30/09/2022 Table 16 Net Stable Funding Ratio Available stable funding 1 Capital: Regulatory capital 2 Other non-redeemable capital instruments and liabilities with remaining maturity more than 1 year 3 4 Redeemable retail deposits or non-redeemable retail deposits with residual maturity of less than one year 5 6 7 Wholesale funding Residents' deposits Non-residents' deposits 8 Redeemable funding or non-redeemable funding with residual maturity of less than one year, provided by the government or enterprises controlled by the government, international financial institutions and legal entities, excluding representatives of financial sector Redeemable funding or non-redeemable funding with residual maturity of less than one year, provided by the central banks and other financial
 institutions 9 10 Liabilities with matching interdependent assets 11 Other liabilities: 12 13 14 Total available stable funding Liabilities related to derivatives All other liabilities and equity not included in the above categories Required stable funding Loans and deposits to financial institutions secured by Level 1 HQLA Loans and deposits to financial institutions secured by non-Level 1 HQLA and unsecured performing loans to financial institutions Loans to non-financial institutions and retail customers, of
 which: 15 Total high-quality liquid assets (HQLA) 16 Performing loans and securities: 17 With a risk weight of less than or equal to 35% With a risk weight of less than or equal to 35% Residential mortgages, of which: Securities that do not qualify as HQLA Assets with matching interdependent liabilities 25 Other assets: 26 27 28 Off-balance sheet items 29 Total required stable funding Assets related to derivatives All other assets not included in the above categories 30 Net stable funding ratio *Items to be reported in the ‘no maturity’ time bucket do not have a stated maturity.
These may include, but are not limited to, items such as capital with perpetual maturity, current/demand deposits, etc.
No maturity Unweighted value by residual maturity 6 month to <1yr < 6 month 96,935,830 96,935,830 205,348,450 187,635,833 17,712,617 329,205,005 - - 109,557,331 105,855,888 3,701,443 287,896,826 78,056,955 76,951,227 1,105,728 38,850,523 326,500,069 252,360,393 35,359,772 2,704,936 - - 35,536,434 24,769,940 - 24,769,940 3,490,751 2,316,439 - 2,316,439 >= 1 yr 314,270,907 225,002,800 89,268,107 - - 4,035,152 4,035,152 680,519,019 4,137,806 - 200,722,459 - 70,467,066 28,011,490 236,918,603 4,137,806 - - - - 185,865,650 67,198,269 214,099,865 13,710,737 3,268,797 21,416,089 1,146,072 - 1,402,650 - 27,305,889 30,427,761 212,774,775 - 27,305,889 55,903,891 30,427,761 1,871,736 212,774,775 7,733,993 Weighted value 411,206,737 321,938,630 89,268,107 363,180,695 351,920,800 11,259,894 308,855,492 307,110,117 1,745,375 - - - 1,083,242,924 19,460,632 337,596,247 620,671 308,516,845 26,693,442 1,765,289 245,344,583 - 245,344,583 5,486,255 607,887,718 178.20% Bank: Date: Table 17 JSC CARTU BANK 30/09/2022 Distribution by residual maturity Risk classes 1 Claims or contingent claims on central governments or central banks 2 Claims or contingent claims on regional governments or local authorities 3 Claims or contingent claims on public sector entities 4 Claims or contingent claims on multilateral development banks 5 Claims or contingent claims on international organizations/institutions 6 Claims or contingent claims on commercial banks 7 Claims or contingent claims on corporates 8 Retail claims or contingent retail claims 9
 Claims or contingent claims secured by mortgages on residential property 10 Past due items* 11 Items belonging to regulatory high-risk categories 12 Short-term claims on commercial banks and corporates 13 Claims in the form of collective investment undertakings (‘CIU’) 14 Other items 15 Total Past due items* - Past due items will be filled in paragraph 10 and also will be redistributed to the classes in which they were recorded before they were classified as "Past due tems".
An overdue loan line is not included in the formula for eliminating double counting.
On demand 287,145,308 ≤ 1 year > 1 year ≤ 5 year > 5 year No stated maturity 615,401 7,000,000 21,053,000 Exposures of On-Balance Items 339,110,670 25,134,186 247,495,845 - 222,316,200 4,339,680 183,140,853 30,285,648 Total 315,813,709 - - - - 368,584,536 683,238,546 - - 7,129,480 29,972,873 22,420,592 30,077,951 89,600,895 - - - 32,172,553 658,428,531 2,960,375 276,205,807 3,457,278 232,773,478 13,573,083 222,106,616 89,377,688 119,663,336 141,540,977 1,509,177,767 Bank: Date: Table 18 JSC CARTU BANK 30/09/2022 On Balance Assets Gross carrying values a b c d e f Special Reserve General Reserve Additional General Reserve Accumulated write-off, during the reporting period Risk classes 1 Claims or contingent claims on central governments or central banks 2 Claims or contingent claims on regional governments or local authorities 3 Claims or contingent claims on public sector entities 4 Claims or contingent claims on multilateral development banks 5 Claims or contingent claims on international organizations/institutions 6 Claims or contingent claims on commercial banks 7 Claims or contingent claims on corporates 8 Retail claims or contingent retail claims 9 Claims or contingent claims secured by mortgages on residential property 10 Past due items* 11 Items belonging to regulatory high-risk categories 12 Short-term claims on commercial banks and corporates 13 Claims in the form of collective investment undertakings (‘CIU’) 14 Other items 15 Total 16 17 Of which: loans Of which: securities Of which: Loans and other
 Assets - Non-Performing Of which: Loans and other Assets - other than Non-Performing 315,772,199 217,381,949 368,584,536 578,709,603 112,853,006 9,317,453 172,652,451 79,220 83,130,776 1,584 67,638,025 285,019,974 220,230,940 112,960,129 1,376,026,467 594,061,957 31,716,562 35,789,638 148,642,644 114,035,607 - 302,560 9,620,013 9,558,873 60,000 8,272,883 8,272,883 - - - - - - - - - - - - - - - 297,912 297,912 - - g Book value (a+b-c-d-e) 315,772,199 - - - - 368,584,536 673,921,092 - - 89,599,311 - - - 136,233,074 1,494,510,902 690,698,416 31,656,562 Past due items* - Past due items will be filled in paragraph 10 and also will be redistributed to the classes in which they were recorded before they were classified as "Past due tems".
An overdue loan line is not included in the formula for eliminating double counting.
Bank: Date: Table 19 JSC CARTU BANK 30/09/2022 On Balance Assets Gross carrying values Sector of repayment source / counterparty type Of which: Loans and other Assets - Non-Performing Of which: Loans and other Assets - other than Non- Performing Special Reserve General Reserve Additional General Reserve Accumulated write-off, during the reporting period a b c d e f g Book value (a+b-c-d-e) 1 State, state organizations 2 Financial Institutions 3 Pawn-shops 4 Construction Development, Real Estate Development and other Land Loans 5 Real Estate Management 6 Construction Companies 7 Production and Trade of Construction Materials 8 Trade of Consumer Foods and Goods 9 Production of Consumer Foods and Goods 10 Production and Trade of Durable Goods 11 Production and Trade of Clothes, Shoes and Textiles 12 Trade (Other) 13 Other Production 14 Hotels, Tourism 15 Restaurants 16 Industry 17 Oil Importers,Filling stationas,gas stations and Retailers 18 Energy 19 Auto Dealers 20 HealthCare 21 Pharmacy 22 Telecommunication 23 Service 24 Agriculture 25 Other 26 Assets on which the Sector of repayment source is not accounted for 27 Other assets 28 Total 309,263 313,547 - 36,787,343 24,367,726 4,853,938 5,819,209 17,464,652 50,630,556 33,938 - 21,202,926 4,895,643 16,997,157 617,575 66,883 - 1,899,584 - - - 8,757,052 9,435,746 12,812,986 2,950,013 15,202 64,789,034 285,019,974 324,568,967 371,772,478 - 38,033,515 49,473,550 48,693,936 6,637,463 5,078,976 96,395,671 1,872,550 1,115,478 7,548,231 16,231,285 22,248,921 29,579
 49,553,163 16,766,146 1,370,764 21,622,311 34,381,778 2,210,509 34,637,447 63,987,509 34,452,750 31,376,285 1,449,104 94,518,104 1,376,026,467 81,719 105,221 - 15,793,880 11,597,040 2,786,499 3,049,413 7,791,075 31,454,319 10,181 - 6,544,287 1,931,666 6,587,154 185,273 33,442 390,053 1,186,908 2,018,279 38,897 - 8,357,924 4,676,636 8,066,212 1,340,386 9,142 34,607,037 148,642,644 175,034 61,025 - 559,649 894,981 872,017 80,542 101,018 1,768,405 37,274 22,260 127,378 323,252 386,233 587 907,159 255,610 3,975
 28,350 677,421 44,063 12,464 1,261,287 496,258 500,794 21,837 1,140 9,620,013 - - - - - - - - - - - - - - - - - - - - - - - - - - 8,272,883 8,272,883 - - - - - - - - - - - - - - - - - - - - - - - - - - 297,912 297,912 324,621,477 371,919,778 - 58,467,328 61,349,255 49,889,358 9,326,717 14,651,534 113,803,503 1,859,033 1,093,218 22,079,493 18,872,010 32,272,691 461,295 48,679,445 16,120,483 2,079,465 19,575,683 33,665,460 2,166,445 35,024,110 67,485,331 38,703,266 32,485,118 1,433,327 116,426,079 1,494,510,902 Bank: Date: Table 20 JSC CARTU BANK 30/09/2022 1 2 2.1 2.2 2.3 2.4 3 3.1 3.2 3.3 3.4 3.5 3.6 4 Changes in reserve for loans and Corporate debt securities Opening balance An increase in the reserve for possible losses on assets As a result of the origination of the new assets As a result of classification of assets as a low quality Increase reserve of foreign currency assets as a result of currency exchange rate changes As a result of an increase in "additional general reserves" Decrease in reserve for possible losses on assets As a result of write-off of assets As a result of partial or total payment of standard assets As a result of partial or total payment of adversely classified assets As a result of classification of assets as a high quality Decrease reserve of foreign currency assets as a result of currency exchange rate changes As a result of an decrease in "additional general reserves" Closing balance Change in reserves for loans during the reporting
 period Change in reserves for Corporate debt securities during the reporting period 136,006,166 9,826,263 6,035,230 3,791,033 0 - 22,237,943 - 2,109,882 16,285,820 950,167 2,892,074 - 123,594,486 60,000 - - - 60,000 Bank: Date: Table 21 JSC CARTU BANK 30/09/2022 Changes in the stock of non-performing loans over the period 1 Opening balance 2 Inflows to non-performing portfolios 3 Inflows to non-performing portfolios, as e result of currency exchange rate changes 4 Outflows from non-performing portfolios 5
4 Outflows from non-performing portfolios Closing balance Outflow to stadrat loan portfolio Outflow to watch loan portfolio Outflow due to loan repayment, partial or total Outflow due to taking possession of collateral Outflow due to sale of portfolios Outflows due to write-offs Outflow due to other situations Outflows from non-performing portfolios, as a result of currency exchange rate changes Gross carrying value of Non-performing Loans Net accumulated recoveries related to decrease of Non- performing loans 251,626,085 9,197,403 - 40,666,136 - 3,952,614 13,328,603 18,067,293 - - - 5,317,627 220,157,352 30,214,679 Bank: Date: T able 22 JSC CARTU BANK 30/09/2022 Distribution of loans, Debt securities and Off-balance-sheet items according to Risk classification and Past due days T otal Classified in standard category Classified in watch category Classified in Non-Performing category Gross carrying value of loans and Debt securities, nominal value of Off-balance-sheet items Past due ≤ 30 days Past due > 30 days Past due ≤ 30 days Past due > 30 days < 60 days Past due ≥ 60 days < 90 days Past due ≥ 90 days Past due < 60 days Past due ≥ 60 days < 90 days Past due ≥ 90 days < 180 days Past due ≥ 180 days < 1 year Past due ≥ 1 year <2 year Past due ≥ 2 year <5 year Past due ≥ 5 year <7 year Past due ≥ 7 year Of which: Classified in Loss category 1 Loans 785,513,654 507,696,828 4,203,505 80,467 57,659,472 1,212,376 19,375 241,130 2 3 1.1 1.2 1.3 1.4 1.5 1.6 2.1 2.2 2.3 2.4 2.5 2.6 3.1 3.2 3.3
 3.4 3.5 3.6 Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Debt Securities Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Off-balance-sheet items Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households - 708,890,010 76,623,644 31,011,490 - 28,011,490 - 456,546,297 51,150,531 31,011,490 - 28,011,490
 3,000,000 3,000,000 67,255,422 33,984,810 15,408,502 48,433,934 3,412,986 10,298,502 23,662,908 23,400 - 1,579,650 2,623,854 - - - 14,180 66,287 - - - 51,072,515 6,586,957 - - 240,000 - 240,000 - - 78,958 1,133,418 - - - - 19,375 - - - 241,130 - - - - - - - - - 220,157,354 6,051,758 871,578 13,236,511 32,362,443 26,388,429 67,364,483 14,817,226 9,291,015 82,270,034 - 201,271,198 18,886,156 - - 4,002,482 - 4,002,482 - - 4,509,857 1,541,901 - - - 797,947 73,631 - - 13,104,141 132,371 - - 32,074,028 288,415 - - - - - 24,193,146 2,195,283 - 63,308,227 4,056,256 - 11,494,657 3,322,568 - 4,516,721 4,774,294 - - - - - - - - - 80,911,875 1,358,159 - - - - - - Bank: Date: Table 23 JSC CARTU BANK 30/09/2022 Loans Distributed according to LTV ratio, Loan reserves, Value of collateral for loans and loans secured by guarantees according to Risk classification and past due days Total Loans Classified in standard category Past due ≤ 30 days Past due > 30 days Past due ≤ 30 days 1 Loans 1.1 Secured Loans 1.1.1 Loans Secured by Immovable property LTV ≤70% LTV >70% ≤85% LTV >85% ≤100% LTV >100% Reserves on Secured Loans Value of Pledged collateral Of which value capped at the Loan value Of which immovable property Of which value above the cap Of which immovable property Loans secured by the state and state institutions Loans secured by bank and /or financial institutions 1 1 1.2 1.3 1.4 1.5 785,513,654 769,392,210 710,777,372 483,500,145 84,000,618 32,051,213 111,225,396
 123,268,105 693,186,289 607,948,519 1,065,560,989 701,219,202 8,520,561 - 507,696,828 491,618,946 449,782,022 327,188,342 61,076,242 2,665,444 58,851,995 9,246,811 443,371,146 374,543,017 837,203,457 508,437,342 3,943,388 - 4,203,505 4,203,505 4,203,505 4,198,514 - - 4,991 84,070 4,203,505 4,203,505 5,523,739 4,681,121 - - 80,467 - - - - - - - - - - - - - 57,659,472 57,635,702 57,627,508 43,867,231 6,259,911 5,181,612 2,318,754 5,763,570 55,704,069 55,500,031 66,984,599 52,070,756 688,017 - 1,212,376 1,212,376
 1,212,376 147,653 - 969,284 95,440 121,238 1,212,376 1,212,376 561,971 528,978 - - Loans Classified in watch category Past due > 30 days < 60 days 19,375 18,476 18,476 18,476 - - - 1,848 Past due ≥ 60 days < 90 days 241,130 241,130 241,130 241,130 - - - 24,113 18,476 18,476 49,530 44,132 - - 241,130 241,130 294,763 271,808 - - Gross carrying value of Loans Past due ≥ 90 days Past due < 60 days - - - - - - - - - - - - - - 220,157,354 220,137,562 203,367,842 112,444,572 16,664,465 24,204,157 50,054,648 108,257,724 194,111,075 177,905,471 161,372,933 140,711,104 3,889,156 - 6,051,758 6,050,018 5,891,758 4,506,651 1,385,106 - - 1,815,006 5,946,532 5,643,884 5,611,277 5,151,858 - - Loans Classified in Non-Performing category Past due ≥ 60 days < 90 days 871,578 871,578 871,578 871,578 - - - 261,986 871,578 871,578 3,408,906 3,236,731 - - Past due ≥ 90 days < 180 days 13,236,511 13,235,205 13,218,609 124,892 263,941 12,829,776 - 3,973,881 13,229,383 13,171,375 1,427,522 400,446 - - Past due ≥ 180 days < 1 year 32,362,443 32,362,095 32,322,695 19,161,179 6,676,539 6,379,200 105,778 13,370,051 32,308,518 31,088,067 17,257,556 15,302,888 183,615 - Past due ≥ 1 year <2 year 26,388,429 26,385,708 26,193,812 17,659,121 - 460,657 8,074,033 12,057,641 24,399,806 20,463,578 22,224,029 20,235,467 92,905 - Past due ≥ 2 year <5 year 67,364,483 67,359,209 65,256,836 36,054,795 1,488,325 720,375 26,993,340 36,587,571 Past due ≥ 5 year <7 year 14,817,226 14,816,990 9,064,377 4,886,546
 1,063,259 2,660,636 453,937 9,363,418 58,058,336 54,279,344 51,801,355 43,807,608 1,240,687 - 9,082,671 7,322,346 8,181,846 7,908,332 2,362,494 - Past due ≥ 7 year 9,291,015 9,291,015 9,222,157 3,357,313 - - 5,864,844 4,993,413 8,555,899 8,242,363 6,207,368 5,137,573 - - Bank: Date: Table 24 JSC CARTU BANK 30/09/2022 Loans Gross carrying value General and Special Reserves Additional General Reserve Sector of repayment source Standard Watch Sub-Standard Doubtful Loss Standard Watch Sub-Standard Doubtful Loss 1
 State, state organizations 2 Financial Institutions 3 Pawn-shops 4 Construction Development, Real Estate Development and other Land Loans 5 Real Estate Management 6 Construction Companies 7 Production and Trade of Construction Materials 8 Trade of Consumer Foods and Goods 9 Production of Consumer Foods and Goods 10 Production and Trade of Durable Goods 11 Production and Trade of Clothes, Shoes and Textiles 12 Trade (Other) 13 Other Production 14 Hotels, Tourism 15 Restaurants 16 Industry 17 Oil Importers,Filling stationas,gas stations and Retailers 18 Energy 19 Auto Dealers 20 HealthCare 21 Pharmacy 22 Telecommunication 23 Service 24 Agriculture 25 Other 26 Assets on which the Sector of repayment source is not accounted for 27 Total 9,036,678 3,476,386 - 73,089,748 70,395,096 48,454,769 12,440,990 22,515,535 143,292,653 1,897,636 1,112,990 27,571,553 21,086,703 38,688,071 646,937 45,424,831 16,681,039 3,262,826 21,600,274 34,260,004 2,203,167 37,937,275 72,575,458 46,733,402 30,025,073 1,104,561 785,513,654 8,751,717 3,051,259 - 27,982,454 44,749,063 43,600,831 4,027,107 5,050,883 85,420,242 1,863,698 1,112,990 6,368,884 16,191,060 19,311,643 29,362 45,357,947 12,780,505 891,668 1,417,485 33,871,034 2,203,167 29,180,223 63,064,362 24,812,884 25,514,505 1,091,853 507,696,828 18,847 111,583 - 8,319,951 1,278,307 - 2,597,259 - 7,241,855 - - - - 2,385,273 - - 3,900,535 471,574 20,182,789 388,970 - - 75,350 9,117,657 1,566,656 2,867 57,659,472 266,114 313,544 - - -
 16,997,037 10,541,713 2,193,302 593,127 8,959,052 7,788,356 33,938 - 20,285,236 3,738,211 10,972,974 617,575 - - - - - - 460,657 3,098,591 3,632,584 1,441,236 892 91,934,139 - 19,597,071 34,465 - 5,223,498 - 12,367,575 - - 917,432 - 4,883,881 - 66,883 - - - - - 153,335 627,690 578,070 1,502,557 723 45,953,182 - - - 193,234 13,791,547 2,660,636 - 8,505,600 30,474,625 - - - 1,157,433 1,134,300 - - - 1,899,584 - - - 8,143,059 5,709,465 8,592,206 118 8,226 82,270,034 256,753 166,247 - 16,353,529 12,492,021
256,753 166,247 - - - - - - 559,649 894,981 872,017 80,542 101,018 1,708,405 37,274 22,260 127,378 323,252 386,233 587 907,159 255,610 3,975 28,350 677,421 44,063 12,464 1,261,287 496,258 500,794 21,837 9,558,873 - 831,995 127,831 - 259,726 - 724,186 - - - - 238,527 - - 390,053 47,157 2,018,279 38,897 - - 7,535 911,766 156,666 287 5,765,947 - 5,099,111 3,162,514 657,991 177,938 2,687,715 2,336,507 10,181 - 6,085,571 1,121,463 3,291,892 185,273 - - - - - - 138,197 929,577 1,089,775 432,371 267 27,580,242 - 9,669,540 17,233 - 2,611,749 - 5,318,874 - - 458,716 - 2,376,155 - 33,442 - - - - - 76,668 313,845 289,035 751,279 361 21,916,895 - 193,234 8,289,462 2,128,509 - 5,103,360 23,074,753 - - - 810,203 680,580 - - - 1,139,750 - - - 8,143,059 3,425,679 5,775,636 71 8,226 58,772,523 - - - - - - - - - - - - - - - - - - - - - - - - - - - Bank: Date: Table 25 JSC CARTU BANK 30/09/2022 Gross carrying value/nominal value - distribution according to Collateral type a b c d e f g h i Secured by deposit Secured by the state and state institutions Secured by bank and /or financial institutions Secured by gold / gold jewelry Secured by Immovable property Secured by shares / stocks and other securities Secured by other collateral Secured by another third party
 guarantee Unsecured Amount Loans, corporate debt securities and Off-balance-sheet items 1 Loans 2 Corporate debt securities 3 Off-balance-sheet itmes 4 5 6 Of which: Non-Performing Loans Of which: Non-Performing Corporate debt securities Of which: Non-Performing Off-balance-sheet itmes 38,547,652 - 8,317,337 5,924,257 - - 8,520,561 - - 3,889,156 - - - - - - - - - - - - - - 600,974,309 - 34,230,680 177,618,148 - 4,002,482 3,912,895 - 481,665 - - - 87,131,175 - 10,493,148 17,082,727 - - 6,529,807 - 2,751,690
 2,929,244 - - 39,897,257 3,000,000 10,980,902 12,713,822 - - Bank: Date: Table 26 JSC CARTU BANK 30/09/2022 Retail Products Gross carrying value of Loans Reserves Standard Watch Sub-Standard Doubtful Loss Standard Watch Sub-Standard Doubtful Loss Number of Loans Weighted average nominal interest rate on quarterly disbursed loans Weighted average effective interest rate on quarterly disbursed loans Weighted average nominal interest rate (on Gross carrying value of Loans) Weighted average maturity of loans according to the remaining maturity (months) ######### Auto loans ######### Consumer Loans ######### Pay Day Loans ######### Momental Installments ######### Overdrafts ######### Credit Cards ######### Mortgages ######### ######### ######### ######### Retail Pawnshop loans ######### Student loans ######### Total Retail Products Mortgages - Purchase of completed real estate Mortgages - Construction, the purchase of real estate under construction Mortgages - For Real Estate Renovation ######### Between them: Loans issued on the basis of income from a pension or other state social disbursement 201,816 4,823,314 - - 1,849,206 230,279 13,605,081 10,402,251 2,632,568 570,263 - - 141,691 3,281,369 - - 1,713,032 229,616 10,180,058 7,472,350 2,164,782 542,925 - - 1,875 211,180 - - 13,328 - 2,143,171 1,934,292 181,542 27,337 - - 58,251 823,614 - - 114,254 305 1,281,852 995,609 286,244 - - - - 507,150 - - 720 4 - - - - - - - - - - 7,873 354 - - - - - - 20,496 579,473 - -
 78,102 5,039 800,910 639,995 147,323 13,592 - - 2,834 57,696 - - 34,261 4,592 202,037 147,883 43,296 10,859 - - 188 21,118 - - 1,333 - 214,317 193,429 18,154 2,734 - - 17,475 247,084 - - 34,276 92 384,556 298,683 85,873 - - - - 253,575 - - 360 1 - - - - - - - - - - 7,873 354 - - - - - - 13 117 - - 240 1,235 153 100 23 30 - - 10%
- - 2.51 6.27 98.29 98.76 104.38 61.63 - - 79.64