2022 Full Year Results

- CPBS Specialised Businesses – 2022 - New Digital Businesses (Nickel, Floa, Lyf) and Personal Investors NICKEL, a payment offering accessible to everyone Expansion in Europe with the 2022 launch of the offering in Belgium and Portugal; a faster pace of account openings since the start of the year (~49,000 per month¹ in 1Q22, ~58,000 in 4Q221) ~3.0 million accounts opened² as at 31.12.22 (+24.5% vs. 31.12.21) at more than 8,600 points of sale² (+22.2% vs. 31.12.21) FLOA, the French leader in Buy Now Pay Later • ~4 million customers as at 31.12.22 (+10.4% vs. 31.12.21) Good level of production maintained with a tightening in credit standards BNP PARIBAS a specialist in digital banking and investment services PERSONAL INVESTORS ' A still high level of order numbers in an unfavourable market context Consorsbank, recognised #1 bank in Germany for its digital offering³ - Nickel: expansion in Europe ~3.0m accounts opened² as at 31.12.22 (~+600k vs. 31.12.21) 1/1. NICKEL Floa: number of customers +10.4% 4m 3.6m Revenues: €846m (+13.7% vs. 2021) Steep increase in New Digital Businesses, driven by business development Reminder: consolidation of 50% of Floa's contribution, effective 01.02.22 Personal Investors revenues down in an unfavourable market context Operating expenses+: €578m (+12.8% vs. 2021) Driven by the development strategy of New Digital Businesses Positive jaws effect (+1.0 pt) 31.12.21 31.12.22 Pre-tax income 5: €157m (-29.4% vs. 2021) Effect of the integration of Floa on the cost of risk 1. On average for the quarter in all countries; 2. Since inception, total for all countries; 3. D-Rating 2022 ranking; 4. Including 100% of Private Banking in Germany; 5. Including 2/3 of Private Banking in Germany BNP PARIBAS The bank for a changing world 2022 Full Year Results | 39

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