Third Quarter 2022 Results

CPBS Commercial & Personal Banking in France - 3Q22 - Strong increase in results and very positive jaws effect • Good business drive Loans: +5.9% vs. 3Q21, good increase in working capital loans to corporates, increase in mortgage loans and consumer loans Loans +5.9% • • Deposits: +5.1% vs. 3Q21, increase in deposits across all customer segments Off-balance sheet savings: -5.9% vs. 30.09.21, stable gross life insurance inflows (-0.1% vs. 3Q21) - unfavourable market context 200 212 • Private banking: very strong net asset inflows (+€1.7bn), driven mainly by client acquisitions and by extension of relationships with entrepreneurs €bn Hello bank!: further increase in number of customers (~740k, +12% vs. 30.09.21) Strong growth in fees 3Q21 3Q22 • Deposits • Steep increase in banking fees (+8.4% vs. 3Q21), thanks particularly to cash management, payment means, hedging, trade and insurance fees +5.1% • Higher financial fees (+6.1% vs. 3Q21), driven by a broad product offering and a favourable positioning in customer segments Revenues¹: €1,669m (+6.0% vs. 3Q21) • Net interest income: +4.7%, driven by the increase in volumes and the impact of the interest-rate and market environments •Fees: +7.7%, with an increase across all customer segments, particularly in corporates Operating expenses 1: €1,133m (+0.3% vs. 3Q21) • Ongoing impact of cost-savings measures • Very positive jaws effect (+5.7 pts) 237 249 €bn 3Q21 3Q22 Pre-tax income²: €398m (+14.2% vs. 3Q21) • Cost of risk at a low level • 3Q21 Reminder: positive impact of a non-recurring item 1.. Including 100% of Private Banking in France, including PEL/CEL effects (+€13m in 3Q22, +€3m in 3Q21); 2. Including 2/3 of Private Banking in France, including PEL/CEL effects BNP PARIBAS The bank for a changing world Third quarter 2022 results | 26

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