Investor Presentaiton

Risk-weighted assets - CHANGE IN RWAS Conservative RWA calculation approach using standard method Gradual and controlled diversification of lending businesses Credit risk accounting for most of total RWAS RWAs' growth driven by the integration of CNP Assurances +€7.8bn +€2.9bn +€3.9bn In €bn As a % of total RWAS 96.5 97.6 91.1 85.5 0.4 1.3 76.9 0.8 Market RWA 1.3% 69.9 0.7 65.2 1.0 59.5 54.2 1.1 2.0 2.1 1.2 75.6 81.3 87.8 88.0 Credit RWA 90.2% 43.8 48.2 53.9 59.4 66.3 9.2 9.3 2015 2016 2017 9.4 9.5 9.3 8.9 8.3 8.3 Operational RWA 8.5% 2018 2019 2020 2021 2022 HT 2023 (IFRS 17) (IFRS 17) INVESTOR PRESENTATION - SEPTEMBER 2023 Basel 3/CRR 45 LA BANQUE POSTALE

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