Investor Presentaiton

4Q21-DM-Belgian Retail Banking 4Q21 4Q20 4Q21 / 3Q21 4Q21 / 2021 2020 2021 / Єm Revenues Operating Expenses and Dep. Gross Operating Income Cost of Risk Operating Income Non Operating Items Pre-Tax Income Income Attributable to Wealth and Asset Management Pre-Tax Income of BDDB Cost/Income 4Q20 3Q21 2020 -540 * * * * * ~ * 854 861 -0.8% 933 -8.5% 3,509 3,432 +2.2% -556 -2.8% -511 +5.7% -2,375 -2,408 -1.4% 314 305 +2.9% 422 -25.6% 1,135 1,024 +10.8% 28 -67 n.s. -36 n.s. -99 -230 -56.8% 342 238 +43.7% 386 -11.6% 1,035 794 +30.3% 2 9 -76.9% 11 -80.1% 19 31 -39.5% 344 247 +39.1% 397 -13.4% 1,054 826 +27.7% -17 -8.6% -18 -11.4% -65 -64 +1.9% 328 63.3% 230 +42.7% 379 -13.5% 989 762 +29.8% 64.6% -1.3 pt 54.8% +8.5 pt 67.7% 70.2% -2.5 pt Allocated Equity (bn) 5.3 5.4 -3.1% Including 100% of Private Banking in Belgium for the Revenues to Pre-Tax Income line items Revenues: -0.8% vs. 4Q20 • Net interest income: -3.8% vs. 4Q20, impact of the low-interest-rate environment partly offset by growth in lending activities • Fees: +6.3% vs. 4Q20, increase in financial fees in particular Operating expenses: -2.8% vs. 4Q20, impact of cost-reduction and branch-optimisation measures; very positive jaws effect (+2 pts) Pre-tax income: +42.7% vs. 4Q20, impact of the decrease in cost of risk, mainly in stages 1 and 2 BNP PARIBAS The bank for a changing world 2021 Full Year Results | 69

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