New Business Organisation

BNP PARIBAS Revenue synergies Significant Synergy Potential ■ Develop cross-selling to BNL clients by offering better service to BNL clients and to the BNL network Develop operational leasing of office equipment goods Develop Vendor leasing by signing partnerships with BNL Corporate clients ■ Increase penetration of insurance products ● Cost synergies Gain efficiency by migrating Locafit activities on BNP Paribas Lease Group's European IT platform ■Reduce costs by moving to common location ■Reduce cost of central functions Risk Reduce cost of risk by implementing BNP Paribas expertise (scoring, workout...) in Locafit Numerous synergy opportunities identified and being implemented BNL Grupp BNP PARIBAS International Retail Banking and Financial Services 117

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