Investor Presentation - CNP Assurances Corporate Bond Portfolio and SCR Coverage Ratio

1 CSM, a decisive factor for the determination of insurance service result { 1/8th CSM at 1 Jan. 2022 2022 insurance service result CSM at 31 Dec. 2022 2023 insurance service result CSM at 31 Dec. 2023 2024 insurance service result Expected CNP assurances The unearned profits corresponding to the CSM are recognised in profit - as a component of the insurance service result duration, i.e., at the rate of approximately 12% (12% in France, 23% in Latin America, 14% in Italy) Expected future profits are reassessed each year in the same way as the CSM. A result mainly based on the release of CSM reflecting the services provided over the coverage period - over the contract Investor Presentation March 23 | 63

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