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Investor Presentaiton

IFS - BancWest - 2021 Sustained business drive and strong increase in result Dynamic business drive in lending business Good level of loan production 1 (+8.9%² vs. 2020), with in particular a very good drive in loan to individuals (+30.3%² vs. 2020) and SMEs (+5.5%² vs. 2020) Loans: -6.9% vs. 2020, decrease due in particular to the effects of economic stimulus measures and the discontinuation of a business in 2020 Development of deposits and financial savings with a recognised quality of service • Deposits: +10.0% vs. 2020, strong increase in customer deposits³ (+10.5% vs. 2020) Private Banking: $19.5bn in assets under management as at 31.12.21 (+16.3% vs. 31.12.20) #1 in overall customer satisfaction (individuals and SMEs) in California Announcement on 20 December 2021 of the sale of Bank of the West to BMO Financial Group (closing of the transaction expected late 20225) Revenues6: €2,426m (+2.1%² vs. 2020) Growth driven by the increase in fees; stable net interest income Reminder: overall positive impact of 2021 non recurring items Operating expenses6: €1,695m (+1.9%² vs. 2020) • Increase in connection with the business activity Positive jaws effect (+0.3 pt) Loan production excluding PPP loans¹ +8.9%2 $bn 2020 2021 Pre-tax income? X2 771 392 €m 2020 2021 Pre-tax income7: €771m (x22 vs. 2020) Strong decrease in the cost of risk 1. Production of loans to individuals, production and flows in SMEs and corporates excluding Paycheck Protection Program loans; 2. At constant scope and exchange rates (figures at historical scope and exchange rates in the appendices); 3. Deposits excluding treasury activities; 4. Source: JD Power's Retail and SME Banking Studies in 2021; 5. Upon customary condition precedents, including the approval of the relevant antitrust and regulatory authorities; 6. Including 100% of Private Banking in the United States; 7. Including 2/3 of Private Banking in the US BNP PARIBAS The bank for a changing world 2021 Full Year Results | 25
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