2022 Full Year Results

Cost of risk-2022 (2/2) Cost of risk/Customer loans outstanding at the beginning of the period (in bps) CIB Global Banking 15 - 80 13 19 2019 2020 2021 2022 €336m (+€136m vs. 2021) Cost of risk at a low level Decrease of cost of risk on non-performing loans¹ Provisions on performing loans (stages 1 & 2) - Reminder: release of provisions on performing loans in 2021 Personal Finance 212 • 145 141 143 2019 2020 2021 2022 €1,373m (+€59m vs. 2021) Cost of risk at a low level Decrease in cost of risk on non-performing loans1 Reminder: release of provisions (stages 1 & 2) in 2021 1. Stage 3 BNP PARIBAS The bank for a changing world 2022 Full Year Results | 15

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