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Investor Presentaiton

IFS - Europe-Mediterranean Volumes and risks %Var/4Q20 %Var/3Q21 %Var/2020 at constant at constant at constant 4Q21 historical scope and exchange historical scope and exchange 2021 historical Average outstandings (€bn) rates rates scope and exchange rates LOANS DEPOSITS 34.5 40.7 -1.4% -1.6% +10.6% +9.7% -1.1% +0.5% +5.5% +6.6% 34.3 40.1 -6.7% -4.0% +4.9% +7.5% Poland 52% Geographical breakdown in loans outstanding in 4Q21 ● Cost of risk/ loans outstanding Annualised cost of risk / outstandings as at beginning of period 4Q20 1Q21 2Q21 3Q21 4Q21 Turkey 25% Turkey Ukraine Poland Others Mediterranean 17% Europe Mediterranean 1.36% 0.73% 1.21% 0.04% 0.61% 0.62% -0.09% 1.49% -0.26% 0.85% 0.59% 0.30% 0.26% 0.06% -0.03% 1.44% 0.30% 0.69% 0.61% 0.78% 1.02% 0.42% 0.65% 0.17% 0.34% Ukraine 2% Africa 4% TEB: a solid and well capitalised bank • Solvency ratio1 of 18.05% as at 31.12.21 • Very largely self-financed 1.2% of the Group's loans outstanding as at 31.12.21 1. Capital Adequacy Ratio (CAR) BNP PARIBAS The bank for a changing world 2021 Full Year Results | 78
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