Investor Presentaiton

GTS2 2025 Commercial, Personal Banking and Services - 2025 strategic plan A clear path for growth Accelerating the transformation, leveraging on the strengths & leading positions to build a stronger model and respond to headwinds Accelerate the strong profitable growth of our Specialised businesses Specialised businesses 33% Commercial & Personal Banking 67% Revenues breakdown as of 2021 Strengthen our leading positions in the Corporate and Private Banking segments in Europe Engage a strategic repositionning of retail activities through increased segmentation & changes in the operating model Ongoing efficiencies enabling to reduce costs & finance new initiatives BNP PARIBAS • • 2025 targets¹ Revenues: CAGR 21-25 ~+5% 2021 C&P banking CAGR: +3.5% (~+1.5% in the Eurozone) Specialised businesses CAGR: +8% 2025 Double-digit growth in fee generation Disciplined growth in loans outstanding CAGR 21-25: ~+5% Conservative assumptions on interest rates Average jaws effect 21-252 ~+3 pts RONE growth 21-253 >+3.5 pts 1. Excluding Bank of the West and including 100% of Private Banking in Commercial & Personal Banking in the Eurozone, Europe Mediterranean; 2. CAGR 21-25 Revenues minus CAGR 21-25 Operating Expenses; 3. Return on Notional Equity; Basel 3 (CRR2) fully loaded The bank for a changing world 2021 Full Year Results | 42

View entire presentation