2022 Full Year Results

2022 Operating expenses - Positive jaws effects CIB cpbs iPS Banking +13.6% +8.1% at constant scope & exchange rates Corporate & Institutional Commercial, Personal Banking & Services¹ Investment & Protection Services Operating divisions +6.0% +4.2% +3.5% +2.5% +8.0% +5.2% at constant scope & exchange rates at constant scope & exchange rates at constant scope & exchange rates Commercial & Personal Banking1 +6.0% Specialised Businesses 13,033 12,293 2021 9,467 10,753 +6.1% 4,616 4,895 4,218 4,363 2022 €m CIB: support for business growth and change of scope and exchange rates effect – positive jaws effect (+2.1 pts) CPBS: increase in operating expenses with the growth in business activity and scope impacts in Commercial & Personal Banking and Specialised Businesses – very positive jaws effect (+3.3 pts) IPS: increase in operating expenses driven in particular by business development and targeted initiatives - jaws effect ~0 pt (at constant scope and exchange rates) BNP PARIBAS The bank for a changing world 1. Including 100% of Private Banking in Commercial & Personal Banking 2022 Full Year Results | 12

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