Investor Presentaiton

2021 Consolidated Group Very solid results, strong growth and positive jaws effect 2021 2020 2021 vs. 2020 2019 2021 vs. 2019 Revenues €46,235m €44,275m +4.4% €44,597m +3.7% Operating expenses -€31,111m -€30,194m +3.0% -€31,337m -0.7% Gross operating income €15,124m €14,081m +7.4% €13,260m +14.1% Cost of risk -€2,925m -€5,717m -48.8% -€3,203m -8.7% Operating income €12,199m €8,364m +45.9% €10,057m +21.3% Non-operating items €1,438m €1,458m -1.4% €1,337m +7.6% Pre-tax income €13,637m €9,822m +38.8% €11,394m +19.7% €9,488m €7,067m +34.3% €8,173m +16.1% Net income, Group share Net income, Group share excluding exceptional items¹ Return on tangible equity (ROTE)²: 10.0% €9,009m €6,803m +32.4% €8,415m +7.1% BNP PARIBAS The bank for a changing world 1. See slide 6; 2. Not revaluated, see detailed calculation on slide 95 2021 Full Year Results | 7

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