Investor Presentaiton

2021 - Operating expenses Supporting growth - Positive jaws effect Domestic International Єm Markets1 +2.0% +1.9% Financial Services CIB +1.1% +4.2% Group +5.4% +3.0% +4.0% at constant scope & +3.6% exchange rates 10,568 10,784 10,117 10,231 8,920 9,400 2020 2021 Domestic Markets: support for growth in the specialised businesses and for the rebound of activity in the networks², contained by cost-savings measures – very positive jaws effect - IFS: increase in operating expenses, driven mainly by business development and targeted initiatives CIB: increase in operating expenses, driven by business development, targeted investments and the impact of taxes subject to IFRIC 21 1. Including 100% of Private Banking in France (excluding PEL/CEL effects), Italy, Belgium and Luxembourg; 2. FRB, BNL bc and BRB BNP PARIBAS The bank for a changing world 2021 Full Year Results | 9

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