2022 Full Year Results

IPS - Insurance - 2022 Good resilience of business activity Solid business activity • Savings: gross asset inflows of €22.8bn in 2022, with unit-linked policies accounting for the vast majority of net inflows A balanced model • • Protection: further growth in France with a good increase in credit insurance and a strong increase in individual protection and property & casualty; internationally, a strong rebound in Latin America Continued development of the offering Issuance of the first social bond¹ structured by CIB with BNP Paribas Cardif as an investor Pensions: certification obtained to provide Supplemental Professional Pension Fund activities in France Strong business drive in affinity insurance in France (1.6m contracts managed as of the end of 2022), with a successful diversification in extended warranties covering household appliances Protection: 42% Protection revenues +3.5% Savings: 58% 2022 Revenues €m Revenues: €2,774m (-1.9% vs. 2021) Increase in revenues in Savings and Protection Decrease in financial result due to market performance effects in 2022 Operating expenses: €1,558m (+1.4% vs. 2021) Support of business development and targeted projects 2021 2022 Pre-tax income: €1,376m (+0.5% vs. 2021) Increase in the contribution by associates from a low 2021 level 1. The bond's performance tracks the MSCI Eurozone Social Select 30 index BNP PARIBAS The bank for a changing world 2022 Full Year Results | 45

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