2022 Full Year Results

Commercial, Personal Banking & Services - Commercial & Personal Banking Development strategy confirmed Strengthening our leading positions in Europe #1 in the Corporate segment in Europe¹ #1 in Corporate Banking, Cash Management & Trade Finance¹ Favourable positioning and enhanced cooperation between businesses generating an increase in cross- selling revenues of +16%2 Comprehensive transaction banking offering: increase by 9% of number of transactions processed on pooled payment platforms³, development of acquisition capacities (+16% vs. 2021), broad rollout of APIs The Eurozone's #1 Private Bank5 Very sustained net inflows in 2022 (>€9.0bn) Broad coverage of client needs in coordination with IPS and CIB (structured products, responsible savings, etc.) ~60% of GOI of Commercial & Personal Banking in the Eurozone is generated by corporate clients and GTS Adaptation of the operating model underway in retail activities Acceleration of digital and technological transformations: 13.3 million active customers on mobile apps in 4Q22 (+11.1% vs. 4Q21)6 Adaptation of services models to customer value: Rollout of customer services & offering dedicated to Mass affluent customers in France, Belgium, and Italy Enhanced operational efficiency Outsourcing of some IT and back-office activities at BNL, total transfer of 803 FTEs Economies of scale with the pooling of ATMs underway in Belgium and being studied in France and Luxembourg >20% of individual clients are Mass affluent clients7 ~20% by Private Banking clients 1. Source: Coalition Greenwich Share Leader 2022 Europe Large Corporate Trade Finance, 2022 Europe Large Corporate Cash Management (preliminary data); 2. Revenues generated by a client (a business group) of a CPBS business line in another business line of CPBS, IPS or CIB (9M22 vs. 9M21); 3. Scope: Individual, Private Banking and corporate clients, including acquisition transactions except Axepta Italy; 4. All acquisition transactions processed on a scope of individual, Private Banking and corporate clients, except Axepta Italy; 5. Assets under management, as published by the main Eurozone banks for 3Q22; 6. Scope: average of CPB individual, professional and Private Banking clients in the Eurozone, Personal Investors in Germany, and Nickel; 7. Scope: BCEF, BCEB, BNL, BCEL, BNPP Polska and Consorsbank BNP PARIBAS The bank for a changing world 2022 Full Year Results | 40

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