Third Quarter 2022 Results

9M22-Operating expenses Positive jaws effect CIB cpbs iPS Corporate & Institutional Banking +12.5% at constant scope & exchange rates Commercial, Personal Banking & Services¹ Investment & Protection Services Operating divisions +6.5% +6.2% +4.3% +5.0% +4.0% +8.0% +5.0% at constant scope & exchange rates at constant scope & exchange rates at constant scope & exchange rates Commercial & Personal Banking1 +6.2% 9,791 7,119 8,010 9,221 Specialised businesses +6.3% 9M21 3,435 3,651 3,054 3,206 9M22 €m - a positive jaws effect (+2.4 pts) CIB: accompanying business growth and impact of change of scope CPBS: increase in operating expenses with the growth in business activity and scope impacts in Commercial & Personal Banking and Specialised Businesses a positive jaws effect (+3.6 pts) IPS: increase in operating expenses supporting business development and targeted initiatives - BNP PARIBAS The bank for a changing world 1. Including 100% of Private Banking in Commercial & Personal Banking Third quarter 2022 results | 45

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