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Investor Presentaiton

2021: A very strong increase in results Sustained revenue growth . Very good momentum at Domestic Markets Increase in Asset Management and Insurance revenues Further increase at CIB Revenues: +4.4% vs. 2020 (+3.7% vs. 2019) Positive jaws effect despite the increase in the SRF1 contribution Business development and Investments Cost of risk at a low level Very strong growth in net income³ vs. 2020 and 2019 Very solid balance sheet 2021 pay-out ratio: 60% (50% in cash, 10% in share buyback7) Costs: +3.0% vs. 2020 (-0.7% vs. 2019) Cost of risk: 34 bps² Net income³: €9,488m +34.3% vs. 2020 (+16.1% vs. 2019) CET1 ratio: 12.9% ROTE5: 10.0% Dividend6: €3.67 1. Single Resolution Fund; 2. Cost of risk vs. customer loans outstanding at the beginning of the period (in bp); 3. Group share; 4. CRD4; including IFRS9 transitional arrangements - See slide 12; 5. Return on tangible equity non revaluated; 6. Subject to the approval of the General Meeting of 17 May 2022; 7. Share buyback programme totalling €900m executed in 4Q21 BNP PARIBAS The bank for a changing world 2021 Full Year Results | 3
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