2022 Full Year Results

A reinforced Internal Control Set-up An even more solid control and compliance set-up and ongoing efforts in inserting a reinforced compliance culture into daily operations Ongoing improvement of the operating model for combating money laundering and terrorism financing: ■ A standards-based, risk-adjusted approach, with a risk management set-up shared between business lines and Compliance (know-your-client, reviewing unusual transactions, etc.) Reinforced Group-level steering with regular reporting to monitoring and supervisory bodies Ongoing reinforcement of set-up for complying with international financial sanctions: Thorough and diligent implementation of measures necessary for enforcing international sanctions as soon as they have been published Broad dissemination of the procedures and intense centralisation, guaranteeing effective and consistent coverage of the surveillance perimeter ■ Continuous optimisation of cross-border transaction filtering tools and screening of relationship databases Ongoing improvement of the anti-corruption framework with increased integration into the Group's operational processes Intensified on-line training programme: compulsory programmes for all employees on financial security (Sanctions & Embargos, Combatting Money Laundering & Terrorism Financing), on combating corruption, protecting clients' interests, market integrity, and all topics dealt with in the Group's Code of Conduct. Ongoing missions of the General Inspection dedicated to insuring financial security within entities generating USD flows. These successive missions have been conducted since the start of 2015 in the form of 18- month cycles. The first four cycles achieved a steady improvement in processing and audit mechanisms. The fifth cycle was begun in 2Q21 and proceeded at a good pace despite public health constraints. It achieved results similar to those of previous cycles and was completed in July 2022. A sixth cycle was launched at the same frequencies and will be completed in December 2023. The remediation plan agreed as part of the June 2014 comprehensive settlement with the US authorities is now mostly completed BNP PARIBAS The bank for a changing world 2022 Full Year Results | 22

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