Investor Presentaiton

DM-LRB - Personal Investors Luxembourg Retail Banking (LRB) 4Q21 %Var/4Q20 %Var/3Q21 2021 %Var/2020 Average outstandings (€bn) LOANS 12.4 +6.7% +1.3% 12.1 Individual Customers 7.9 +5.6% +0.9% 7.8 Corporates and Local Governments 4.5 +8.7% +2.0% 4.4 DEPOSITS AND SAVINGS 29.3 +17.0% +3.2% 28.0 Current Accounts 18.8 +22.6% +5.2% 17.7 Savings Accounts 8.9 +1.9% +0.1% 8.9 Term Deposits 1.6 +65.9% -2.0% 1.4 +6.1% +6.6% +5.1% +16.2% +27.9% -0.6% +5.9% %Var/ %Var/ 31.12.21 €bn 31.12.20 30.09.21 OFF BALANCE SHEET SAVINGS Life Insurance Mutual Funds Personal Investors 1.1 2.3 +2.8% +21.5% +0.3% +5.0% 4Q21 %Var/4Q20 %Var/3Q21 2021 %Var/2020 Average outstandings (€bn) LOANS DEPOSITS 0.7 29.9 +34.9% +17.6% +8.5% +5.0% 0.6 27.9 +21.9% +11.8% %Var/ %Var/ 31.12.21 €bn 31.12.20 30.09.21 ASSETS UNDER MANAGEMENT European Customer Orders (millions) 163.3 11.8 +28.3% +14.6% +1.4% +9.8% BNP PARIBAS The bank for a changing world Loans: +6.7% vs. 4Q20, good growth in individual and corporate loans, mortgage in particular, with a sustained business drive Deposits: +17.0% vs. 4Q20, growth driven in particular by inflows from corporate clients Off-balance sheet savings: very strong growth in mutual funds, driven in particular by favourable market trends Deposits: +17.6% vs. 4Q20, good level of external asset inflows AuM (+28.3% vs. 31.12.20): strong growth with favourable market trends and very good asset inflows Steep increase in the retail order numbers 2021 Full Year Results | 72

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