Investor Presentaiton

Appendix Glossary OH Obligations de Financement de l'Habitat PBT Profit before tax CET1 Common Equity Tier 1 CMB Commercial Banking, a global business CML Consumer Mortgage Lending portfolio PRD RBWM FMFC French Monetary and Financial Code RoE GB&M Global Banking and Markets, a global business ROTE GLCM GPB Global Liquidity and Cash Management Global Private Banking, a global business RWA TLTRO GTRF HTT Global Trade and Receivables Finance Harmonised Transparency Template IFRS International Financial Reporting Standard Jaws A ratio which measures the difference between the rates of change for revenue and costs LICS Loan Impairment charges and other credit risk provisions MDA MENA MREL NAV Maximum Distributable Amount Middle East and North Africa Minimum requirement for own funds and eligible liabilities Net Asset Value Transaction Banking Pearl River Delta Retail Banking and Wealth Management, a global business Return on Equity Return on Tangible Equity Risk-Weighted Asset Targeted Longer-Term Refinancing Operations Products including Foreign Exchange, GLCM, GTRF and Securities Services 41

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