2022 Full Year Results

CPBS Europe-Mediterranean - Volumes and risks %Var/4Q21 %Var/3Q22 %Var/2021 4Q22 historical Average outstandings (€bn) at constant scope and exchange rates at constant at constant historical scope and exchange 2022 historical rates scope and exchange rates LOANS DEPOSITS 34.9 42.9 +1.3% +5.2% +15.8% +23.3% -1.3% +0.8% +0.6% +2.2% 34.9 41.5 +1.8% +3.6% +17.7% +21.8% Geographical breakdown in loans outstanding in 4Q221 Poland 54% Cost of risk/loans outstanding Annualised cost of risk / outstandings 4Q21 1Q22 2Q22 3Q22 4Q22 as at beginning of period Türkiye 24% Türkiye Poland Others Mediterranean 18% Europe-Mediterranean 0.61% 0.62% 0.22% 1.05% 1.12% -0.03% 0.16% 0.63% 0.31% 0.01% 0.79% 0.83% 0.64% 0.69% -0.85% 0.34% 0.43% 0.53% 0.58% 0.11% Africa 4% TEB: a solid and well capitalised bank • • Solvency ratio² of 18.60% as at 31.12.22 Very largely self-financed 1.0% of the Group's loans outstanding as at 31.12.22 1. Based on the perimeter as of 31.12.22; 2. Capital Adequacy Ratio (CAR) BNP PARIBAS The bank for a changing world 2022 Full Year Results | 75

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