2022 Full Year Results

CPBS BNL banca commerciale - Volumes 4Q22 %Var/4Q21 %Var/3Q22 2022 %Var/2021 Average outstandings (€bn) LOANS 78.7 +0.4% -0.5% 78.6 +2.1% Individual Customers 38.7 +2.2% +0.6% 38.3 +1.4% Incl. Mortgages 27.4 +3.4% -0.2% 27.2 +3.8% Incl. Consumer Lending 5.0 +6.0% -0.2% 4.9 +3.3% Corporates 40.0 -1.4% -1.5% 40.3 +2.7% DEPOSITS AND SAVINGS 64.1 +3.3% -1.9% 64.3 +8.5% Individual Deposits 37.3 -0.1% -2.1% 37.9 +4.8% Incl. Current Accounts 37.1 -0.1% -2.2% 37.7 +4.9% Corporate Deposits 26.8 +8.5% -1.4% 26.5 +14.1% €bn OFF BALANCE SHEET SAVINGS Life Insurance Mutual Funds %Var/ %Var/ 31.12.22 31.12.21 30.09.22 25.2 14.8 -2.1% -17.9% -1.6% -0.9% BNP PARIBAS The bank for a changing world 2022 Full Year Results | 69

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