2022 Full Year Results

Commercial, Personal Banking & Services - Specialised Businesses A development plan to accelerate and foster growth and profitability Acceleration in profitable growth confirmed Arval: growth in the fleet reinforced by bolt-on acquisitions and new partnerships initiated in particular in 2022, strong growth in flexible mobility solutions 2025 target: >2m vehicles Nickel: profitable growth with low acquisition costs, rollout in Europe based on a single technological platform & external distribution networks 2025 target: >6m accounts opened¹ in 8 countries Transformation of activities to foster growth and profitability Personal Finance: geographical repositioning in the Eurozone; gradual rollout of significant partnerships in auto loans; industrialisation & enhancement of operating efficiency 2025 target: +€10bn in outstandings with the implementation of new auto loan partnerships Ongoing improvement in cost of risk with the evolution in the mix: ~120 bps in 2025 Improvement in RONE by 2025 Floa: leader in Buy Now Pay Later in France, expansion of the offering in Europe by leveraging Floa's technological assets and the Group's client franchises 2025 target: doubling the number of clients in more than 10 countries Leasing Solutions: digitalisation of the value- chain, new asset classes financed to support the transition of partners, industrialisation and modernisation of the operating model 2025 target: Improved C/I by >2 pts between 2021 and 2025 GTS 2025 1. Since inception BNP PARIBAS The bank for a changing world 2022 Full Year Results | 41

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