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Investor Presentaiton

GS 2025 A European leader uniquely positioned on the back of powerful platforms & strong customer franchises Leading European platforms in value-added businesses... Leader in flow businesses Leader in Europe in Cash Management¹ Leader in Europe in trade finance¹ 1st Factor network in Europe² Leader in Investment & Protection Services Insurance: CPI worldwide leader³ Leader in Sustainable Investment4 Leader in Wealth Management in the Eurozone5 Leader in Corporate & Institutional Banking Top 3 & 1st European CIB in EMEA6 Leader in Capital Markets Businesses in EMEA7 1st in Securities Services in EMEA8 Leader in specialized businesses Leader in Europe for full-service leasing (Arval)⁹ Top 3 Leasing company in Europe (Leasing Solutions) 10 Leading player in consumer credit in Europe ...strategically aligned to best serve clients & partners on a long-term basis Strong client franchises in Corporate & Private Banking segments • Leading positions & high penetration rates in Europe, quality positioning internationally Clients & partners favorably positioned in their sector Segmented approach & adapted operating model for individual clients • • 20% of our clients across networks in Europe are mass affluent Nickel, leader in "neobanking"11 in France, expanding in Europe Strong specialised businesses and platforms • • Fully integrated to develop cross-selling opportunities Diversified distribution channels with strong ability to partner in well-positioned sectors Synergies & pooled capabilities Organic growth at marginal cost Increased market shares & penetration rates Maximum benefit of the integrated model 1. Greenwich Share Leaders, 2021; 2. Factors Chain International Marvet Survey 2020; 3. CPI: Credit Protection Insurance, finaccord 2021; 4. #1 European sustainable thematic manager, Source: Broadridge; 5. Private Banker International 2021 winners - Private Banker International Summit and Awards; 6. Source: Coalition Greenwich Competitor Analytics. Ranking includes the banks of the Coalition Index. EMEA: Europe, Middle East and Africa; 7. Dealogic as at 31.12.21; 8. Coalition CIB Index Banks; 9. Frost & Sullivan, Flotte Full Service Leasing 2020; 10. Asset Finance Europe 2021, Alfa System; 11. << Neo-bank » of the year 2021 prize awarded by the France Innovation division - NB: Nickel does not have the status of a credit institution BNP PARIBAS The bank for a changing world 2021 Full Year Results | 35
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