Investor Presentaiton

4Q21 - IFS - Personal Finance 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021 / Єm Revenues Operating Expenses and Dep. 4Q20 3Q21 2020 1,294 1,365 -5.2% 1,271 +1.9% 5,216 5,485 -4.9% -710 -687 +3.4% -644 +10.3% -2,817 -2,756 +2.2% Gross Operating Income 584 678 -13.8% 627 -6.8% 2,399 2,729 -12.1% Cost of Risk -346 -581 -40.4% -303 +14.2% -1,314 -1,997 -34.2% Operating Income 238 97 n.s. 324 -26.5% 1,085 732 +48.1% Share of Earnings of Equity-Method Entities 22 -4 n.s. 16 +37.2% 53 6 n.s. Other Non Operating Items -2 -60 -96.3% 36 n.s. 25 -67 n.s. Pre-Tax Income 258 33 n.s. 376 -31.3% 1,163 672 +73.1% Cost/Income 54.9% 50.3% +4.6 pt 50.7% +4.2 pt 54.0% 50.2% +3.8 pt Allocated Equity (bn) 7.7 7.9 -2.6% At constant scope and exchange rates vs. 4Q20 • • • Revenues: -5.4%, decrease due mainly to the impact of non-recurring items, despite the recovery in production Operating expenses: +3.4%, increase driven up by the support in recovery in business activity and the launch of new strategic partnerships Pre-tax income: x3.2, very sharp increase driven mainly by the strong decrease in the cost of risk and a significant contribution from associates and other non operating items BNP PARIBAS The bank for a changing world 2021 Full Year Results | 75

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