New Business Organisation

BNP PARIBAS BNL Grupp BNP PARIBAS Cost/income 64.2 in % BNP Paribas Cost & Risk Discipline 65.2 62.7 62.9 61.6 61.2 59.4 2000 2001 2002 2003 2004 2005 9M06 Cost of Risk 51 50 45 41 30 18 16 in bp 2000 2001 2002 2003 2004 2005 9M06 Strong culture of cost & risk management BNP Paribas 172

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