2022 Full Year Results

• GTS 2025 Commercial, Personal Banking & Services - Significant increase in Commercial & Personal Banking objectives Targets revised upward in Commercial & Personal Banking Positive impact of rate hikes, boost in margin sustained by a favourable positioning Consolidation of the rise in fees driven by an extended offering in cooperation with CIB and IPS, the development of the beyond banking offering, and leading positions in flow businesses Refocusing Europe-Mediterranean on Europe and its periphery and strengthening in Corporates, Private Banking and Mass Affluent client segments • Stepped-up gains in operational efficiency ◆ Specialised Businesses: fostering growth at marginal cost & enhanced profitability . • Ongoing growth at Arval and Leasing Solutions, gradual normalisation of used car prices by 2025 but at still-high levels, and productivity gains. Transformation and adaptation at Personal Finance Continued profitable growth and development in Europe of New Digital Businesses & Personal Investors • • 2025 targets¹ Revenues: CAGR 21-25 +5.5% 2021 C&P Banking¹ Specialised Businesses CAGR: >+4.5% CAGR: ~+6% Jaws effect 21-252: ~3 pts Reinforced target in recurring cost savings: €1.2bn Decrease in operating expenses 2025 2025 2023/2024 with the ramp-up of the SRF contribution: ~€250m Positive impact of higher interest rates ~80% of the total impact³, or >+€1.6bn compared to the plan's initial targets 1. Including 100% of Private Banking in Commercial & Personal Banking and PI in Germany, excluding Bank of the West - excluding the positive impact of the redeployment of the capital released by the sale of Bow from 2023; 2 CAGR 21-25 Revenues minus CAGR 21-25 Operating Expenses; 3. See slide 5 BNP PARIBAS The bank for a changing world 2022 Full Year Results | 42

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