2022 Full Year Results

4Q22-Operating expenses Positive jaws effects CIB cpbs iPS Corporate & Institutional Banking Commercial, Personal Banking & Services¹ Investment & Protection Services Operating divisions +16.8% +12.8% at constant scope & exchange rates +5.5% +3.4% -0.6% -1.5% +8.1% +5.6% at constant scope & exchange rates at constant scope & exchange rates at constant scope & exchange rates Commercial & Personal Banking1 +5.6% Specialised Businesses 3,243 2,348 2,743 +5.4% 3,071 1,181 1,244 1,164 1,157 4Q21 4Q22 €m CIB: support for business growth and impact of change in scope and exchange rates effect - positive jaws effect (+1.4 pt) CPBS: increase in operating expenses with the growth in business activity and scope impacts in Commercial & Personal Banking and Specialised Businesses - very positive jaws effect (+2.5 pts) IPS: decrease in operating expenses - very positive jaws effect (+2.1 pts) BNP PARIBAS The bank for a changing world 1. Including 100% of Private Banking in Commercial & Personal Banking 2022 Full Year Results | 58

View entire presentation