Third Quarter 2022 Results

3Q22 Operating expenses - Positive jaws effect in all divisions. CIB cpbs iPS Corporate & Institutional Banking +4.5% at constant scope & exchange rates Commercial, Personal Banking & Services¹ Investment & Protection Operating divisions Services -0.2% +7.0% Commercial & Personal Banking1 +4.5% +4.8% +2.9% +5.9% +2.8% at constant scope & exchange rates at constant scope & exchange rates at constant scope & exchange rates +6.5% Specialised Businesses 3,151 2,959 +8.4% 2,243 2,343 1,087 1,179 1,038 1,087 3Q21 3Q22 €m - CIB: stability of operating expenses excluding exchange rates impact – positive jaws effect (+1.4 pts) CPBS: increase in operating expenses with the growth in business activity and scope impacts in Commercial & Personal Banking and Specialised Businesses - positive jaws effect (+2.6 pts¹) IPS: increase in operating expenses supporting business development and targeted initiatives very positive jaws effect (+4.2 pts) BNP PARIBAS The bank for a changing world 1. Including 100% of Private Banking in Commercial & Personal Banking Third quarter 2022 results | 11

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