Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697751641956.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 JSC CARTU BANK Bank: Date: Table 1 N Key metrics Regulatory capital (amounts, GEL) 30/06/2022 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 2Q-2022 1Q-2022 4Q-2021 3Q-2021 2Q-2021 204,029,629 283,109,929 328,430,263 151,883,465 191,304,964
Total Risk Weighted Assets (Total RWA) (Based on Basel III framework) 1,354,126,092 1,361,151,846 1,299,143,577 1,318,377,849 1,364,203,504 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.
15.07% 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% -9.92% 29.75% 85.10% 35.15% 12.34% 18.59% 25.78% 10.70% 13.44% 20.73% 5.55% 2.67% 2.46% 2.89% 2.27% 17.45% 35.47% 16.77% 67.11% 69.23% - JSC CARTU BANK Bank: Date: Table 2 30/06/2022 Balance Sheet Assets N 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 Reporting Period FX 13,612,049 247,527,671 322,719,666 0 0 in Lari GEL Respective period of the previous year Total FX 34,509,356 21,712,358 12,796,998 1,768,536 17,153,934 0 203,015,987 101,577,804 0 Total 21,552,979
 249,114,282 347,802,557 0 30,814,220 40,425,852 15,485,470 506,956,764 830,195,780 338,205,737 690,102,648 -86,642,004 -136,006,167 -61,978,965 -110,432,169 420,314,760 694,189,613 276,226,772 579,670,479 6,249,096 X 0 X 558,750 26,884,010 16,316,748 7,793,239 19,329,360 28,230,329 9,853,495 2,491,622 7,793,239 21,323,223 22,788,058 5,783,426 X 0 X 943,266 GEL 7,940,930 1,586,611 25,082,891 0 30,814,220 323,239,016 - -178,780 207,571,701 396,401,275 0 0 0 0 0 0 7,438,034 7,438,034 85,882,447 53,391,396 -178,780 -231,998 1,045,626,062 207,571,701 1,442,027,337 175,027,432 338,219,701 1,002,590,818 1,340,810,519 204,784,523 118,731,738 0 55,911,322 1,028,308,385 -172,411,134 855,897,251 15,636,921 2,491,622 7,793,239 21,323,223 23,731,324 165,744 359,637,165 46,435,965 558,112,472 0 0 17,572,505 13,203,036 170,656,200 1,165,783,087 114,430,000 0 0 0 7,438,034 53,391,396 -231,998 175,027,432 JSC CARTU BANK Bank: Date: Table 3 N N Income statement 30/06/2022 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 GEL Reporting Period FX Total Respective period of the previous year GEL Total FX in Lari 775,810 16,524,267 0 6,431,245 0 299,774 1,788,847 5,805,963 1,512 963,323 1,233,603 68,431 216,292 0 17,584,800 526,950 4,673,919 39,651 0 0 5,240,520 12,344,280 -388,403 1,290,678 1,679,081 0 1,344,570 -23,397 4,074,691 -3,001,987 3,813 677,823 158,441 2,845,551 262,950 74,148 7,467,099 28,250
 2,231,145 2,591,251 12,654,843 -9,809,292 154,049 18,764,214 0 6,277,641 7,647 559,736 3,496,989 2,174,835 93,770 1,686,703 4,466,894 589,654 136,526 8,804 19,653,247 47,265 6,435,878 236 0 3,249,377 9,732,756 9,920,491 -1,718,864 5,471,192 7,190,056 0 0 1,083,389 0 125,705 207 -509,563 381 1,662 153,984 156,027 -665,590 929,859 35,288,481 0 12,708,886 7,647 859,510 5,285,835 7,980,798 95,282 2,650,026 5,700,497 658,085 352,818 8,804 37,238,047 574,215 11,109,797 39,887 0 3,249,377 0 14,973,276 22,264,771 -2,107,267 6,761,870 8,869,137 0 1,344,570 1,059,992 4,074,691 -3,001,987 3,813 803,528 158,648 2,335,988 263,331 75,810 7,467,099 28,250 2,231,145 2,745,235 12,810,870 -10,474,882 796,372 13,747,925 0 6,406,723 0 852,077 1,581,886 3,151,792 3,032 739,753 1,012,662 460,200 133,947 0 15,138,444 480,979 3,846,089 124 0 0 -301,323 22,364,818 0 6,742,645 9,651 2,422,880 2,776,687 1,768,701 94,217 1,429,271 7,120,765 1,989,445 0 1,057 24,053,997 -265,438 9,220,832 264 0 5,525,962 4,327,192 10,811,252 14,481,620 9,572,377 -317,619 1,231,711 1,549,330 0 1,552,012 253,160 1,523,653 -3,014,327 7,741 818,864 8,134,643 8,958,127 333,170 128,140 6,425,366 17,394 2,166,685 2,223,990 11,294,745 -2,336,618 -2,032,940 915,178 2,948,118 0 0 907,755 0 127,556 223,439 -774,190 10,205 848 165,019 176,072 -950,262 495,049 36,112,743 0 13,149,368 9,651 3,274,957 4,358,574 4,920,493 97,249 2,169,024 8,133,427 2,449,645 133,947 1,057 39,192,441 215,541 13,066,921 388 0 5,525,962 0 18,808,812 20,383,629 -2,350,559 2,146,889 4,497,448 0 1,552,012 1,160,915 1,523,653 -3,014,327 7,741 946,420 8,358,082 8,183,937 343,375 128,988 6,425,366 17,394 2,166,685 2,389,009 11,470,817 -3,286,880 2,534,988 9,254,901 11,789,889 8,474,634 8,622,115 17,096,749 -12,989,457 -309,760 8,025,124 -5,274,093 7,809,081 2,589,195 5,219,886 0 5,219,886 -12,989,457 -309,760 8,025,124 -5,274,093 17,063,982 2,589,195 14,474,787 0 14,474,787 -1,919,589 -11,630 -29,696 -1,960,915 10,435,549 3,055,433 7,380,116 0
 7,380,116 0 9,254,901 9,254,901 9,254,901 -1,919,589 -11,630 -29,696 -1,960,915 19,057,664 3,055,433 16,002,231 0 16,002,231 0 8,622,115 8,622,115 8,622,115 JSC CARTU BANK Bank: Date: Table 4 30/06/2022 On-balance sheet items per standardized regulatory report 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 Assets pledged as security for receivables of the bank Cash Precious metals and stones Real Estate: Reporting Period GEL FX Total 0 Respective period of the previous year FX Total GEL in Lari Residential Property Commercial Property Complex Real Estate Land Parcel Other Movable Property Shares Pledged Securities Other 292,890 708,794 0 16,937,390 0 206,543,295 22,753,826 0 1,092,801 171,603,574 732,300,907 154,190,427 382,948,795 35,751,279 265,339,316 170,496,887 4,539,795 28,492,339 171,896,464 733,009,701 154,190,427 399,886,185 35,751,279 471,882,611 193,250,713 4,539,795 29,585,140 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 N Bank: Date: Table 5 N 1 1.1 1.1.1 1.2 1.3 2 3 4 JSC CARTU BANK Risk Weighted Assets 30/06/2022 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 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 2Q-2021 1,233,193,199 1,203,787,592 39,042,008 28,803,879 601,728 30,807,803 100,202,503 1,364,203,504 Bank: Date: Table 6 JSC CARTU BANK 30/06/2022 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 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 Financial Director Risk Director Commercial Director Operations Director Electronic Commerce Director List of Shareholders owning 1% and more of issued capital, indicating Shares 1 N(N)LP INTERNATIONAL CHARITY FUND "CARTU" 100% List of bank beneficiaries indicating names of direct or indirect holders of 5% or more of shares 1 Uta Ivanishvili 100% JSC CARTU BANK Bank: Date: Table 7 30/06/2022 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 21,552,979 249,114,282 347,802,557 - 30,814,220 830,195,780 (136,006,167) 694,189,613 26,884,010 16,316,748 7,793,239 19,329,360 28,230,329 1,442,027,337 21,552,979 249,114,282 347,802,557 - 30,993,000 830,195,780 (136,006,167) 694,189,613 26,884,010 16,316,748 7,793,239 15,787,288 28,230,329 1,438,664,045 (178,780) 3,542,072 - 3,363,292 Bank: Date: Table 8 1 2.1 2.2 3 4 5.1 5.2 6 7 JSC CARTU BANK 30/06/2022 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 60,178,723 0 1,438,664,045 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 1,498,842,768 9,869,359 -27,005,457 0 8,272,883 1,489,979,553 *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 Regulatory capital 30/06/2022 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 207,750,481 114,430,000
 7,438,034 85,882,447 3,720,852 178,780 3,542,072 0 204,029,629 79,080,300 79,080,300 79,080,300 0 79,080,300 45,320,334 35,146,800 10,173,534 0 45,320,334 Bank: Date: Table 9.1 JSC CARTU BANK Capital Adequacy Requirements Minimum Requirements Pillar 1 Requirements 30/06/2022 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% 4.22% 5.63% 8.95% Ratios 11.22% 14.13% 19.45% 60,935,674 81,247,566 108,330,087 33,853,152 - - 57,094,638 76,204,246 121,152,451 Amounts (GEL) 151,883,465 191,304,964 263,335,691 JSC CARTU BANK Bank: Date: Table 10 Reconcilation of balance sheet to regulatory capital 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 in Lari 30/06/2022 N 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 21,552,979 249,114,282 347,802,557 0 30,874,220 -60,000 30,814,220 830,195,780 -136,006,167 -9,808,219 0 694,189,613 26,884,010 16,316,748 7,793,239 9,372,300 -1,634,921 57,000 -1,140 19,329,360 3,542,072 29,311,347 0 0 -1,081,018 28,230,329 1,442,027,337 149,395 521,654,774 59,420,213 452,125,092 0 0 15,414,836 71,464,226 304,175 114,227,100 35,146,800 1,234,455,636 114,430,000 0 0 0 7,438,034 6,838,034 600,000 85,882,447 -178,780 207,571,701 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: Table 11 JSC CARTU BANK 30/06/2022 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 - - - - 127,062,872 653,180,094 - - 92,239,388 - - - 120,834,495 1,240,844,520 JSC CARTU BANK Bank: Date: Table 12 Credit Risk Mitigation 30/06/2022 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 JSC CARTU BANK Bank: Date: Table 13 Standardized approach - Effect of credit risk mitigation 30/06/2022 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 On-balance sheet exposures b c Off-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 Bank: Date: Table 11 Liquidity Coverage Ratio 30/06/2022 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 17,489,026 113,255,168 - 28,492,582 15,050,711 174,287,487 - 232,879,076 12,280,867 245,159,944 383,619,947 733,600,240 - 26,798,896 18,788,742 1,162,807,824 - 684,599,743 8,431,759 693,031,502 401,108,973 846,855,408 - 55,291,478 33,839,453 1,337,095,311 - 917,478,820 20,712,626 938,191,446 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.
57,477,212 573,667,123 631,144,335 41,997,283 253,437,694 295,434,977 2,933,038 20,781,386 - 7,362,562 3,016,469 34,093,456 - 16,256,555 256,885 16,513,439 70,023,894 267,246,552 - 6,450,193 8,794,233 352,514,872 - 9,468,568 4,465,470 13,934,038 72,956,932 288,027,938 - 13,812,755 11,810,702 386,608,328 - 25,725,123 4,722,355 30,447,478 646,167 16,601,922 - 2,888,101 3,016,469 23,152,659 - 31,736,766 256,885 31,993,650 8,202,098 125,412,740 - 2,065,634 8,794,233 144,474,705 - 345,533,263 4,465,470 349,998,733 8,848,265 142,014,662 - 4,953,735 11,810,702 167,627,364 - 377,270,029 4,722,355 381,992,384 Total value according to NBG's methodology* (with limits) Total value according to Basel methodology (with limits) 57,477,212 17,580,017 326.95% 573,667,123 338,580,834 169.43% 631,144,335 356,160,851 177.21% 41,997,283 5,788,165 725.57% 253,437,694 36,118,676 701.68% 295,434,977 41,906,841 704.98% JSC CARTU BANK Bank: Date: Table 15 Counterparty credit risk 30/06/2022 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 30/06/2022 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) 1,460,169,571 (3,720,852) 1,456,448,719 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 - - - 60,178,723 (27,005,457) 33,173,266 283,109,929 1,489,621,985 19.01% JSC CARTU BANK Bank: Date: Table 16 30/06/2022 Net Stable Funding Ratio Available stable funding Regulatory capital Other non-redeemable capital instruments and liabilities with remaining maturity more than 1 year 1 Capital: 2 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 89,599,629 89,599,629 80,944,483 65,045,836 15,898,647 299,137,563 - - 104,246,985 103,541,976 705,009 304,181,436 65,381,122 61,075,639 4,305,483 58,358,231 297,629,777 278,933,372 29,591,407 1,507,786 - - 25,248,065 81,264,895 - 81,264,895 28,766,824 781,293 - 781,293 >= 1 yr 349,756,754 228,657,100 121,099,654 - - 4,832,871 4,832,871 599,233,882 16,128,997 - - 199,971,956 65,703,872 27,874,220 255,258,424 Weighted value 439,356,383 318,256,729 121,099,654 228,634,847 218,180,277 10,454,570 317,460,690 303,077,278 14,383,412 - - - 985,451,920 17,822,042 352,226,924 16,128,997 - - 186,033,380 139,399 61,339,474 - 232,806,124 2,489,049 321,571,633 12,473,452 4,224,999 21,049,649 26,241,428 1,465,123 - 1,402,650 1,924,814 - 25,360,507 27,770,216 221,361,971 250,952,845 - 25,360,507 49,481,496 27,770,216 6,888,877 221,361,971 3,504,175 - 250,952,845 4,374,756 625,376,566 157.58% Bank: Date: Table 17 30/06/2022 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 249,114,282 ≤ 1 year > 1 year ≤ 5 year > 5 year No stated maturity 935,664 7,000,000 21,053,000 Exposures of On-Balance Items 201,043,647 142,295,399 233,443,953 - 241,470,891 4,463,510 196,175,071 40,842,124 Total 278,102,946 - - - - 347,802,556 711,932,038 - - 8,826,044 31,665,190 24,667,597 26,903,462 92,062,293 - - - 21,552,979 471,710,908 2,944,102 379,619,118 3,559,963 252,030,854 14,045,062 235,736,643 76,866,631 117,708,755 118,968,738 1,456,806,278 JSC CARTU BANK Bank: Date: Table 18 30/06/2022 a b c d e f On Balance Assets Gross carrying values 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 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.
Special Reserve General Reserve Additional General Reserve Accumulated write-off, during the reporting period Of which: Loans and other Assets - Non-Performing Of which: Loans and other Assets - other than Non-Performing 277,924,166 347,802,556 589,314,081 247,085,978 124,468,021 9,557,687 179,947,188 82,289 87,967,184 1,646 39,604,633 286,690,611 251,695,929 95,310,870 1,310,351,673 604,333,548 31,898,344 12,404,687 136,872,707 126,197,947 - 311,671 9,869,358 9,808,218 60,000 8,272,883 8,272,883 - - - - - - - - 9,136,635 - - 9,138,224 - - - 361,339 9,497,974 9,138,224 - g Book value (a+b-c-d-e) 277,924,166 - - - - 347,802,556 702,374,352 - - 92,060,647 - - - 113,926,263 1,442,027,336 720,023,311 31,838,344 JSC CARTU BANK Bank: Date: Table 19 30/06/2022 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 314,900 319,401 - 39,205,685 28,204,116 5,071,288 6,061,024 18,135,635 52,014,520 47,908 - 21,837,550 5,080,357 35,446,029 654,375 69,093 129,804 1,962,363 - - - 8,801,933
 10,431,391 13,271,631 4,621,564 15,361 34,994,682 286,690,611 287,113,723 350,956,747 - 38,765,761 48,888,436 50,235,245 6,836,282 6,294,453 101,334,319 1,326,967 890,120 7,851,422 6,110,880 25,455,039 - 50,302,476 18,132,302 1,422,528 27,343,667 37,066,223 2,305,995 33,779,798 67,559,438 30,189,508 31,559,657 1,427,743 77,202,944 1,310,351,673 84,004 107,495 - 15,670,281 12,837,041 2,739,250 2,672,032 8,076,701 31,348,430 14,372 - 6,614,927 1,882,813 15,801,066 196,313 34,547 524,110 1,227,427 2,567,755 43,290 - 8,382,989 5,115,401 8,392,168 1,855,706 9,830 10,674,760 136,872,707 182,869 60,258 - 721,114 896,031 903,148 83,949 125,081 1,853,119 26,422 17,775 135,742 121,092 415,864 - 948,238 263,530 3,562 32,826 730,156 45,938 12,590 1,335,096 403,578 528,590 21,648 1,140 9,869,358 - - - - - - - - - - - - - - - - - - - - - - - - - - 8,272,883 8,272,883 - 1,590 - - - - - 9,073,913 - - - - - 62,721 - - - - - - - - - - - - 359,750 9,497,974 287,161,750 351,108,394 - 61,580,051 63,359,479 51,664,135 10,141,325 16,228,306 120,147,290 1,334,080 872,345 22,938,303 9,187,333 44,684,138 458,063 49,388,785 17,474,466 2,153,902 24,743,086 36,292,777 2,260,057 34,186,151 71,540,332 34,665,394 33,796,924 1,411,625 93,248,844 1,442,027,336 JSC CARTU BANK Bank: Date: Table 20 30/06/2022 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 162,019,834 18,568,346 4,819,337 13,749,009 0 - 44,582,014 9,137,679 3,416,698 19,181,843 7,254,708 5,591,088 - 136,006,166 60,000 - - - - 60,000 JSC CARTU BANK Bank: Date: Table 21 30/06/2022 Changes in the stock of non-performing loans over the period Gross carrying value of Non-performing Loans Net accumulated recoveries related to decrease of Non- performing loans 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 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 323,086,470 15,077,485 0 86,537,870 5,091,440 26,165,815 34,164,569 276,884 - 9,137,679 - 11,701,484 251,626,085 277,536 JSC CARTU BANK Bank: Date: Table 22 30/06/2022 Distribution of loans, Debt securities and Off-balance-sheet item s according to Risk classification and Past due days Total 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 830,195,779 520,215,213 1,050,052 82,858 58,354,481 1,041,573 355,907 8,154,374 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 item s Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households 4,200 753,292,079 76,899,501 30,874,220 - 27,874,220 4,200 471,125,900 49,085,113 30,874,220 - 27,874,220 3,000,000 3,000,000 61,382,815 21,422,898 5,472,939 53,377,960 2,531,916 367,139 21,031,359 24,400 - - 1,050,052 - - - - 14,461 68,396 - - - 51,961,837 6,392,644 - - 282,176 - 282,176 - - 634,071 407,502 - - 270,379 85,528 - - - - 6,794,913 1,359,460 - - - - - - - - 251,626,085 10,821,848 14,403,029 25,349,830 15,474,897 14,630,811 73,193,645 14,493,207 27,090,804 101,976,491 - 9,745,509 1,076,339 - - - 14,399,817 3,212 - - 25,310,082 39,748 - - - - 230,204,342 21,421,743 - - 3,919,583 - 3,919,583 - - 13,130,689 2,344,208 - 10,258,589 4,372,222 - 71,870,106 1,323,539 - 11,060,832 3,432,375 - 22,158,725 4,932,079 - 100,534,973 1,441,518 - - - - - - - - - - - - - - - - JSC CARTU BANK Bank: Date: Table 23 30/06/2022 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 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 1.5 830,195,779 807,567,815 753,714,946 651,040,828 23,845,399 24,242,687 54,586,032 135,664,576 734,369,208 663,032,199 1,097,302,514 701,128,095 9,634,242 - 520,215,213 497,631,276 460,584,097 458,293,151 - 670,718 1,620,228 9,481,981 452,561,521 398,822,949 840,295,553 481,644,180 4,136,052 - 1,050,052 1,049,466 1,049,466 896,539 - - 152,926 20,989 1,049,466 1,049,466 1,449,279 1,449,279 - - 82,858 - - - - - - - - - - - - - 58,354,481 58,331,711 58,323,072 58,308,076 - - 14,996 5,833,171 56,199,966 55,930,910 66,528,730 50,557,231 1,401,215 - 1,041,573 1,041,573 1,041,573 1,041,573 - - - 104,157 1,041,573 1,041,573 424,051 418,548 - - Past due > 30 days < 60 days 355,907 355,187 355,187 355,187 - - - 35,519 355,187 355,187 2,282,561 1,484,756 - - Past due ≥ 60 days < 90 days 8,154,374 8,154,374 8,154,374 8,154,374 - - - 815,437 8,154,374 8,154,374 6,060,378 1,001,686 - - Gross carrying value of Loans Past due ≥ 90 days Past due < 60 days - - - - - - - - - - - - - - 251,626,085 251,604,827 234,807,777 134,439,601 23,845,399 23,571,969 52,950,808 120,349,424 225,607,721 208,278,340 190,478,232 168,926,684 4,096,975 - 10,821,848 10,821,848 10,805,252 2,053,112 942,064 7,770,076 40,001 3,338,146 10,816,382 10,471,676 4,720,803 3,962,401 - - Loans Classified in Non-Performing category Past due ≥ 60 days < 90 days 14,403,029 14,403,029 14,403,029 51,120 857,363 13,494,547 - 4,321,551 14,403,029 13,899,239 1,646,289 738,219 - - Past due ≥ 90 days < 180 days 25,349,830 25,349,482 25,310,082 18,307,114 6,897,190 - 105,778 11,266,267 25,296,012 24,026,796 18,346,703 16,986,825 - - Past due ≥ 180 days < 1 year 15,474,897 15,474,896 15,311,475 6,970,431 - - 8,341,044 8,921,283 13,706,159 9,379,663 6,819,377 4,743,946 183,615 - Past due ≥ 1 year <2 year 14,630,811 14,627,562 14,627,562 11,991,970 2,071,631 475,881 88,081 4,678,230 Past due ≥ 2 year <5 year 73,193,645 73,187,696
 71,015,842 41,415,197 375,363 585,780 28,639,503 37,723,261 14,608,330 14,585,520 19,833,321 18,952,992 95,976 - 63,461,797 59,349,939 51,749,564 44,075,325 1,281,690 - Past due ≥ 5 year <7 year 14,493,207 14,492,652 8,623,848 5,048,040 3,575,808 - - 8,678,211 8,672,469 7,022,033 8,623,848 8,020,944 2,403,392 - Past due ≥ 7 year 27,090,804 27,090,804 27,021,710 20,963,041 - - 6,058,670 13,755,741 26,331,393 26,009,535 26,191,129 25,055,967 - - Loans Classified in standard category Loans Classified in watch category Past due ≤ 30 days Past due > 30 days Past due ≤ 30 days JSC CARTU BANK Bank: Date: Table 24 30/06/2022 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 9,436,549 3,449,558 - 76,395,339 74,498,260 50,228,676 12,874,817 24,389,703 149,065,238 1,369,027 888,774 28,624,452 11,173,508 59,798,463 654,375 47,480,979 18,158,003 3,377,244 27,318,860 36,940,700 2,296,894 37,988,466 77,265,419 43,189,208 32,238,047 1,095,220 830,195,779 9,143,471 3,013,403 - 36,055,697 44,801,567 45,157,388 4,197,435 6,254,067 89,655,935 1,321,120 888,774 6,787,096 6,093,151 20,793,176 - 47,411,885
 13,176,515 914,788 1,641,306 36,507,803 2,296,894 29,186,533 66,754,820 20,178,902 26,901,071 1,082,416 520,215,213 19,600 116,756 - 1,133,956 1,492,577 - 2,618,943 - 7,394,784 - - - - 3,563,446 - - 4,851,683 500,093 25,677,554 432,897 - - 81,106 9,747,892 720,135 3,057 58,354,481 273,478 319,399 - - - 19,560,998 14,155,186 2,303,416 663,918 9,348,935 8,045,336 47,908 - 21,518,753 3,884,673 12,408,433 654,375 - 129,804 - - - - 475,881 3,486,357 3,750,471 2,938,954 315 103,966,593 - 19,644,687 34,465 - 5,394,521 - 12,490,465 - - 318,602 - 4,365,691 - 69,093 - - - - - 171,655 1,044,980 597,175 1,551,663 4 45,683,002 - - - - 14,014,465 2,767,872 - 8,786,700 31,478,718 - - - 1,195,685 18,667,716 - - - 1,962,363 - - - 8,154,397 5,898,156 8,914,768 126,222 9,429 101,976,491 266,873 167,753 - - - - - - 721,114 896,031 903,148 83,949 125,081 1,793,119 26,422 17,775 135,742 121,092 415,864 - 948,238 263,530 3,562 32,826 730,156 45,938 12,590 1,335,096 403,578 528,590 21,648 9,808,218 - 113,396 149,258 - 261,894 - 739,478 - - - - 356,345 - - 485,168 50,009 2,567,755 43,290 - - 8,111 974,789 72,014 306 5,835,448 - 5,868,300 4,246,556 691,025 199,175 2,804,681 2,413,601 14,372 - 6,455,626 1,165,402 3,722,530 196,313 - 38,941 - - - - 142,764 1,045,907 1,125,141 881,686 95 31,189,978 - 9,688,586 17,233 - 2,210,962 - 5,380,319 - - 159,301 - 1,746,276 - 34,547 - - - - - 85,827 522,490 298,587 775,832 1 20,919,962 - - 8,423,995 2,048,225 - 5,272,020 22,815,032 - - - 717,411 9,975,915 - - - 1,177,418 - - - 8,154,397 3,538,894 5,993,650 126,175 9,429 68,252,560 - - - - - - - - - - - - - - - - - - - - - - - - - - - JSC CARTU BANK Bank: Date: Table 25 30/06/2022 Gross carrying value/nominal value - distribution according to
 Collateral type a b c d e f g h 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 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 39,420,278 - 6,510,000 5,851,430 - - 9,634,242 - - 4,096,975 - - - - - - - - - - - - - - 654,429,756 - 35,721,308 207,963,791 - 3,919,583 1,353,129 - 28,603 528,306 - - 76,752,797 - 13,996,332 17,621,689 - - 7,148,249 - 4,037,692 2,810,066 - - i Unsecured Amount 41,457,328 3,000,000 1,088,880 12,753,828 - - JSC CARTU BANK Bank: Date: T able 26 30/06/2022 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 ######### T otal 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 224,985 5,402,272 - - 1,886,446 220,323 14,409,615 11,324,294
 2,453,410 631,911 - - 163,895 3,410,502 - - 1,752,999 219,650 10,451,573 7,926,701 1,920,983 603,889 - - 1,965 226,406 - - 10,931 - 1,347,530 1,085,509 233,999 28,022 - - 59,124 1,220,796 - - 113,442 315 2,484,408 2,185,980 298,428 - - - - 544,568 4 - - - - - - - - - - - - - 9,075 354 126,104 126,104 - - - - 21,212 721,593 - - 79,261 4,843 1,213,549 1,047,321 151,348 14,880 - - 3,278 60,430 - - 35,060 4,393 207,370 156,872 38,420 12,078 - - 197 22,641 - - 1,093 - 134,753 108,551 23,400 2,802 - - 17,737 366,239 - - 34,033 95 745,322 655,794 89,528 - - - - 272,284 1 - - - - - - - - - - - - - 9,075 354 126,104 126,104 - - - - 81.68