2022 Full Year Results

CPBS - Specialised Businesses - Personal Finance Volumes and risks Average outstandings (€bn) TOTAL CONSOLIDATED OUTSTANDINGS TOTAL OUTSTANDINGS UNDER MANAGEMENT (1) %Var/4Q21 %Var/3Q22 %Var/2021 at constant scope and at constant scope and at constant scope and 4Q22 historical historical 2022 historical exchange exchange exchange rates rates rates 95.8 111.5 +5.0% +3.8% +1.5% +1.8% 94.1 +3.5% +2.3% +5.1% +3.9% +1.3% +1.9% 109.6 +4.6% +1.8% (1) Including 100% of outstandings of subsidiaries not fully owned as well as of all partnerships Cost of risk/outstandings Annualised cost of risk/ outstandings as at beginning of 4Q21 1Q22 2Q22 3Q22 4Q22 period France 1.41% 1.13% 1.70% 2.11% 0.81% Italy 0.70% 1.64% 1.56% 1.22% 1.03% Spain 2.37% 1.40% 1.56% 1.64% 2.58% Other Western Europe 1.57% 0.98% 0.77% 0.72% 1.92% Eastern Europe 1.51% 1.25% -0.35% 1.40% 1.57% Brazil 7.05% 6.61% 6.11% 6.42% 13.60% Others 1.67% 1.73% 0.75% 1.28% 1.57% Personal Finance 1.50% 1.34% 1.29% 1.39% 1.70% BNP PARIBAS The bank for a changing world 2022 Full Year Results | 79

View entire presentation