New Business Organisation

BNP PARIBAS Other 15% IT and reengineering 49% Restructuring Costs by 2009 €410mn Restructuring Costs Restructuring Costs Expected Timing Completion HR 36% 152 129 129 in €mn 2006 2007 2008 • Total restructuring costs revised to 410mn down from 450mn ■Lower than expected HR restructuring costs ■Reduction impacting 2006 exclusively ● Actual amounts charged will be disclosed quarterly in the BNP Paribas Corporate Centre as operating expenses BNL Grupp BNP PARIBAS Financial Elements 34

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