2022 Full Year Results

CPBS Commercial & Personal Banking in Belgium - 2022 - Sustained business drive Growth in activity in support of the economy • • . • Loans: +14.8% vs. 2021 (+7.5% at constant scope and exchange rates²), very strong growth in loans to individuals, contribution from bpost bank (+€8.4bn), and strong increase in corporate loans (+12.7%) Deposits¹: +9.2% vs. 2021 (+1.2% at constant scope and exchange rates²), significant contribution from bpost bank (+€11.3bn) Off-balance sheet savings: -7.6% vs. 31.12.21, in an unfavourable market context Private Banking: good net asset inflows of €2.1bn; level of customer's recommendation far above the average of private banks in Belgium³ Adapting the operating model to retail customers • Implementation of a 7-year exclusive distribution partnership with bpost Development of the value & quality of service: BNPP Fortis' financial expertise combined with the proximity provided by the bpost distribution network (>600 post offices, where all basic financial services will be available) Greater cost variability Revenues: €3,764m (+7.3% vs. 2021) Net interest income: +8.9%, a strong increase driven by all customer segments Fees: +3.6%, increase in banking fees driven by transaction banking activities and corporate clients, offset partly by the decrease in financial fees Operating expenses4: €2,615m (+9.7% vs. 2021) Increase driven mainly by the expansion in activity +4.0% at constant scope² Impact of inflation offset partly by cost-savings and optimisation measures Loans¹ +14.8% 135 118 €bn 2021 2022 • Deposits¹ +9.2% 148 162 €bn 2021 2022 Pre-tax income5: €1,049m (+7.8% vs. 2021) Decrease in the cost of risk 1. See slide 71; 2. Consolidation of bpost bank as of 01.01.2022; 3. Survey by an independent market research firm; 4. Including 100% of Private Banking; 5. Including 2/3 of Private Banking BNP PARIBAS The bank for a changing world 2022 Full Year Results | 34

View entire presentation