Investor Presentaiton

4Q21 - Domestic Markets 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021/ Єm 4Q20 3Q21 2020 Revenues 4,130 3,976 +3.9% 4,112 +0.4% 16,275 15,477 +5.2% Operating Expenses and Dep. -2,691 -2,610 +3.1% -2,595 +3.7% -10,784 -10,568 +2.0% Gross Operating Income 1,440 1,366 +5.4% 1,518 -5.1% 5,491 4,909 +11.8% Cost of Risk -243 -458 -47.0% -343 -29.3% -1,185 -1,456 -18.6% Operating Income 1,197 908 +31.8% 1,174 +1.9% 4,306 3,453 +24.7% Share of Earnings of Equity-Method Entities 1 1 n.s. 5 -71.9% 0 5 -97.4% Other Non Operating Items -5 45 n.s. 60 n.s. 62 50 +24.1% Pre-Tax Income 1,193 953 +25.1% 1,239 -3.7% 4,368 3,508 +24.5% Income Attributable to Wealth and Asset Management -65 -64 +1.6% -64 +1.2% -245 -237 +3.3% Pre-Tax Income of Domestic Markets 1,129 890 +26.8% 1,176 -4.0% 4,123 3,271 +26.0% Cost/Income 65.1% 65.6% -0.5 pt 63.1% +2.0 pt 66.3% 68.3% -2.0 pt Allocated Equity (bn) 25.5 26.2 -2.4% Including 100% of Private Banking in France (excluding PEL/CEL effects), Italy, Belgium and Luxembourg for the Revenues to Pre-Tax Income line items Revenues: +3.9% vs. 4Q20 • Increase in the networks driven by higher fees, financial fees in particular; growth in loan activity partly offset by the impact of the low-interest-rate environment Strong increase in the specialised businesses, with a very strong increase at Arval Operating expenses: +3.1% vs. 4Q20, increase of 1.9% in the networks and 8.1% in the specialised businesses in connection with their growth – positive jaws effect (+0.8 pt) - Pre-tax income: +26.8% vs. 4Q20, impact of the lower cost of risk BNP PARIBAS The bank for a changing world 2021 Full Year Results | 64

View entire presentation