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Investor Presentaiton

DM-Belgian Retail Banking- 2021 Good level of activity and strong rise in results Continuation of the good business drive • Loans: +2.4% vs. 2020, increase in all customer segments Deposits: +6.0% vs. 2020, increase in all customer segments Acceleration in digital uses: almost 65 million1 monthly connections on the mobile apps (+42.9% vs. 4Q20) Steady increase in off-balance sheet savings: +11.3% vs. 31.12.20, driven in particular by the favourable trend in mutual fund outstandings Set up of the new commercial partnership with bpost • Closing in early January 2022 of the acquisition of the 50% of bpost Banque shares, not yet held, together with a 7-year partnership to distribute financial services within the network of post offices Revenues²: €3,509m (+2.2% vs. 2020) Net interest income: -1.7%4, impact of the low-interest-rate environment partly offset by the strong contribution of specialised subsidiaries and growth in lending activities Fees: +12.0%, solid growth in all fees Operating expenses²: €2,375m (-1.4% vs. 2020) Mutual fund outstandings +17.5% 42.3 36.0 2020 €bn 2021 Gross Operating Income² +10.8% 1,135 • Impact of cost-reduction measures and ongoing optimisation in the branch network 1,024 Very positive jaws effect (+3.6 pts) €m 2020 2021 Pre-tax income³: €989m (+29.8% vs. 2020) 1. Scope: individual, small business and private banking customers (BNP Paribas Fortis and Hello Bank!) on average in 4Q; 2. Including 100% of Belgian Private Banking; 3. Including 2/3 of Belgian Private Banking; 4. Non-recurring impact from 3Q21 BNP PARIBAS The bank for a changing world 2021 Full Year Results | 20 |
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