Investor Presentaiton

Groupe BNP Paribas - 4Q21 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021 / €m Group Revenues Operating Expenses and Dep. 4Q20 3Q21 2020 11,232 10,827 +3.7% 11,398 -1.5% 46,235 44,275 +4.4% -7,930 -7,562 +4.9% -7,412 +7.0% -31,111 -30,194 +3.0% Gross Operating Income 3,302 3,265 +1.1% 3,986 -17.2% 15,124 14,081 +7.4% Cost of Risk -510 -1,599 -68.1% -706 -27.8% -2,925 -5,717 -48.8% Operating Income 2,792 1,666 +67.6% 3,280 -14.9% 12,199 8,364 +45.9% Share of Earnings of Equity-Method Entities 138 68 n.s. 131 +5.3% 494 423 +16.8% Other Non Operating Items 240 496 -51.6% 39 n.s. 944 1,035 -8.8% Non Operating Items 378 564 -33.0% 170 n.s. 1,438 1,458 -1.4% Pre-Tax Income 3,170 2,230 +42.2% 3,450 -8.1% 13,637 9,822 +38.8% Corporate Income Tax -759 -558 +36.0% -836 -9.2% -3,757 -2,407 +56.1% Net Income Attributable to Minority Interests -105 -80 +31.3% -111 -5.4% -392 -348 +12.6% Net Income Attributable to Equity Holders Cost/income 2,306 1,592 +44.9% 2,503 -7.9% 9,488 7,067 +34.3% 70.6% 69.8% +0.8 pt 65.0% +5.6 pt 67.3% 68.2% -0.9 pt Corporate income tax: average rate of 28.7% in 2021 (25.6% in 2020) Operating divisions: (2021 vs. 2020) Revenues Operating expenses At historical scope & exchange rates At constant scope & exchange rates (4Q21 vs. 4Q20) Revenues Operating expenses At historical scope & exchange rates At constant scope & exchange rates ETT ETT Gross Operating Income Cost of Risk Operating Income Pre-Tax income -50.9% -50.4% +32.7% +37.2% +32.9% +36.8% Gross Operating Income Cost of Risk Operating Income Pre-Tax income -67.1% +36.6% +33.9% -67.2% +39.2% +39.5% BNP PARIBAS The bank for a changing world 2021 Full Year Results | 62

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