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Investor Presentaiton

IFS - BancWest Volumes %Var/4Q20 %Var/3Q21 %Var/2020 4Q21 historical Average outstandings (€bn) at constant scope and exchange rates historical at constant scope and exchange rates at constant 2021 historical scope and exchange rates LOANS 49.8 -2.4% -6.5% +2.6% -0.5% 49.3 -10.3% -6.9% Individual Customers 20.7 -1.4% -5.5% +3.8% +0.7% 20.1 -12.1% -8.7% Incl. Mortgages 8.4 -3.0% -7.0% +5.7% +2.5% 8.1 -16.0% -12.7% Incl. Consumer Lending 12.3 -0.3% -4.4% +2.5% -0.5% 12.0 -9.2% -5.7% Commercial Real Estate 14.5 +3.2% -1.1% +3.0% -0.0% 14.1 -3.6% -0.0% Corporate Loans 14.6 -8.8% -12.6% +0.5% -2.5% 15.1 -13.7% -10.4% DEPOSITS AND SAVINGS 72.4 Customer Deposits 67.1 +10.3% +10.0% +5.7% +2.6% -0.5% 69.0 +6.4% +10.0% +5.4% +3.0% -0.1% 64.0 +6.9% +10.5% • At constant scope and exchange rates vs. 4Q20 Loans: -6.5%, decrease in loans related to the effect of economic stimulus measures and the discontinuation of a business in 2020 • Deposits: +5.7%, +5.4% increase in deposits excluding treasury activities BNP PARIBAS The bank for a changing world 2021 Full Year Results | 80
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