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DM - French Retail Banking Volumes 4Q21 %Var/4Q20 %Var/3Q21 2021 %Var/2020 Average outstandings (€bn) LOANS 200.9 +2.2% +0.6% 199.4 +5.4% Individual Customers 107.4 +6.4% +0.9% 105.0 +6.0% Incl. Mortgages 96.3 +6.9% +1.0% 94.1 +6.5% Incl. Consumer Lending 11.0 +2.6% +0.2% 10.9 +1.9% Corporates 93.5 -2.3% +0.2% 94.4 +4.8% DEPOSITS AND SAVINGS 241.1 +6.5% +1.8% 233.5 +8.2% Current Accounts 168.4 +8.2% +2.3% 161.2 +10.3% Savings Accounts 66.8 +2.5% -0.4% 66.7 +4.1% Market Rate Deposits 5.9 +5.4% +15.3% 5.6 +0.7% €bn OFF BALANCE SHEET SAVINGS Life Insurance Mutual Funds 31.12.21 %Var/ 31.12.20 %Var/ 30.09.21 103.8 41.9 +8.0% -1.7% +1.8% +4.5% Loans: +2.2% vs. 4Q20, increase in individual loans (mortgage loans in particular) and increase in corporate loans vs. 3Q21 Deposits: +6.5% vs. 4Q20, driven by the impact of the public health crisis Off-balance sheet savings vs. 31.12.20: strong growth in life insurance outstandings, with very good gross inflows and a decrease in mutual fund outstandings, particularly in short-term mutual funds BNP PARIBAS The bank for a changing world 2021 Full Year Results | 66

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