Investor Presentaiton

Retail Banking & Services - 4Q21 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021 / Єm 4Q20 3Q21 2020 Revenues 7,944 7,753 +2.5% 7,798 +1.9% 31,487 30,870 +2.0% Operating Expenses and Dep. -5,311 -5,089 +4.4% -4,986 +6.5% -20,705 -20,384 +1.6% Gross Operating Income 2,633 2,664 -1.2% 2,812 -6.4% 10,782 10,486 +2.8% Cost of Risk -597 -1,137 -47.5% -641 -7.0% -2,600 -4,221 -38.4% Operating Income 2,037 1,527 +33.4% 2,171 -6.2% 8,183 6,265 +30.6% Share of Earnings of Equity-Method Entities 128 56 n.s. 110 +16.4% 444 358 +24.1% Other Non Operating Items -8 66 n.s. 100 n.s. 145 72 n.s. Pre-Tax Income 2,156 1,649 +30.7% 2,380 -9.4% 8,772 6,695 +31.0% Cost/Income 66.9% 65.6% +1.3 pt 63.9% +3.0 pt 65.8% 66.0% -0.2 pt Allocated Equity (bn) 54.8 55.3 -1.1% BNP PARIBAS The bank for a changing world 2021 Full Year Results | 63

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