Investor Presentaiton

Corporate and Investment Banking Financial results Business performances Number of active customers Loan book (in €bn) (in € millions) H1 2022 H1 2023 Change +9.5% Net banking income 526 455 -13.6% 7 519 825 8 236 889 160 Operating expenses (251) (263) 4.5% 145 3 288 3 032 Gross operating profit 275 192 -30.2% Cost-income ratio 49.1% 61.3% 12,2 Pts 3 517 3 899 Cost of risk 5 (58) na 30/06/2022 30/06/2023 Operating profit 280 134 -52.2% Financial institutions groups & major institutions Profit before tax 280 134 -52.2% Attributable net profit 208 99 -52.2% Factoring volumes (purchased receivables) (in €bn) - - Loan originations down by 27% vs. H1 2022 which was particularly dynamic Lower margins due to the impact of the usuary rate on local public sector and to the increasing cost of resources Change in expenses reflecting investments to accelerate CIB development Normalization in the cost of risk at 13 bps vs. a reversal posted in H1 2022. INVESTOR PRESENTATION - SEPTEMBER 2023 10.3 +8.0% 11.2 +5.9% 43.4 41.0 10.9 10.2 1.5 2.3 10.0 11.6 19.3 18.7 30/06/2022 30/06/2023 SMES/ISES Local public sector & Institutions Large corporates Asset and Project Finance and structured financing (in €bn) +15.0% 1.4 1.3 30/06/2022 30/06/2023 30/06/2022 30/06/2023 30 LA BANQUE POSTALE

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