Investor Presentaiton

DM - Other Activities - 4Q21 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021 / Єm Revenues Operating Expenses and Dep. Gross Operating Income Cost of Risk 4Q20 3Q21 2020 1,006 905 +11.2% 942 +6.8% 3,846 3,430 +12.1% -534 -494 +8.1% -506 +5.7% -2,078 -1,923 +8.1% 472 411 +14.9% 436 +8.1% 1,768 1,507 +17.4% -28 -61 -53.1% -62 -54.3% -157 -205 -23.4% Operating Income 443 350 +26.6% 374 +18.5% 1,611 1,301 +23.8% Share of Earnings of Equity-Method Entities 0 -3 -95.6% 0 n.s. -4 -12 -67.3% Other Non Operating Items 9 -1 n.s. 0 n.s. 10 0 n.s. Pre-Tax Income 452 346 +30.5% 375 +20.6% 1,617 1,289 +25.4% Income Attributable to Wealth and Asset Management -2 -1 n.s. -2 +10.7% -8 -5 +70.1% Pre-Tax Income of other DM Cost/Income 450 53.1% 345 +30.3% 373 +20.7% 1,608 1,284 +25.3% 54.6% -1.5 pt 53.7% -0.6 pt 54.0% 56.1% -2.1 pt Allocated Equity (bn) 4.3 4.5 -3.1% Including 100% of Private Banking in Luxembourg for the Revenues to Pre-Tax Income line items • • Revenues: +11.2% vs. 4Q20 Strong increase driven by the strong growth at Arval, the very good performance of Leasing Solutions and Nickel, and the stabilisation of Personal Investors revenues at a high level Very good growth in Luxembourg Retail Banking, driven by higher fees Operating expenses: +8.1% vs. 4Q20 Increase driven by expanded activity and targeted initiatives Very positive jaws effect (+3.1 pts) Pre-tax income: +30.3% vs. 4Q20 BNP PARIBAS The bank for a changing world 2021 Full Year Results | 71

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