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Investor Presentaiton

Commercial, Personal Banking and Services - 2025 vision GT Performing and Nimble Bank & Services, Trusted Companions, 2025 for & beyond banking, in the best interests of customers & society Further improvement in recommendation from our customers & employees A client-centric organisation powered by agile ways of working and empowered teams enriched by more diverse profiles An industrialised & resilient operating model E/E simplification & industrialisation of processes powered by digitalisation & new technologies Optimisation through 'Make, CLIENTS & EMPLOYEES Buy, Share' approach Reliability and security Further development of remote working A simplified and broadened products & services offering Innovative solutions enriched for & beyond banking Enrich & develop our offering in transaction banking & innovative payments Accelerate transformation of deposits into savings Sustainability: new business models & broadened offering Digitalised & enhanced customer journeys Cross business & revenue synergies A client relationship supported by a new balance between Human & Digital An Enriched digital experience (conversational, selfcare & remote sales) A Relationship Manager as a trusted companion, powered by enhanced expertise & digital tools Commercial set-up and service models adapted to client value Omnichannel & personalised customer relationship powered by Al and tech A shared vision to support business lines' specific growth ambitions A successful & ongoing transformation paving the way for further optimisation Pooled expertise, platforms & IT assets to accelerate and unlock synergies BNP PARIBAS The bank for a changing world 2021 Full Year Results | 41
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