BNP Paribas : Conférences de septembre 2022

BNP PARIBAS

A STRONG, DIVERSIFIED AND INTEGRATED MODEL

September 2022

Disclaimer

The figures included in this presentation are unaudited.

This presentation includes forward-looking statements based on current beliefs and expectations about future events. Forward-looking statements include financial projections and estimates and their underlying assumptions, statements regarding plans, objectives and expectations with respect to future events, operations, products and services, and statements regarding future performance and synergies. Forward-looking statements are not guarantees of future performance and are subject to inherent risks, uncertainties and assumptions about BNP Paribas and its subsidiaries and investments, developments of BNP Paribas and its subsidiaries, banking industry trends, future capital expenditures and acquisitions, changes in economic conditions globally, in particular in the context of the Covid-19 pandemic, or in BNP Paribas' principal local markets, the competitive market and regulatory factors. Those events are uncertain; their outcome may differ from current expectations which may in turn significantly affect expected results. Actual results may differ materially from those projected or implied in these forward-looking statements. Any forward-looking statement contained in this presentation speaks as of the date of this presentation.

BNP Paribas undertakes no obligation to publicly revise or update any forward-looking statements in light of new information or future events. It should be recalled in this regard that the Supervisory Review and Evaluation Process is carried out each year by the European Central Bank, which can modify each year its capital adequacy ratio requirements for BNP Paribas.

The information contained in this presentation as it relates to parties other than BNP Paribas or derived from external sources has not been independently verified and no representation or warranty expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. Neither BNP Paribas nor its representatives shall have any liability whatsoever in negligence or otherwise for any loss however arising from any use of this presentation or its contents or otherwise arising in connection with this presentation or any other information or material discussed.

The sum of values contained in the tables and analyses may differ slightly from the total reported due to rounding.

Photo credits (cover page): Getty Images © piranka, Adobe Stock © VOJTa Herout, Adobe Stock © Maria_Savenko, Adobe Stock © pikselstock

Unless otherwise mentioned, the financial information and items contained in this announcement include the activity related to BancWest reflecting an operational view. Such financial information and items therefore do not reflect the effects produced by applying IFRS 5, which pertains to non-current assets and liabilities held for sale. The press release pertaining to the 2Q22 and 1H22 results includes in appendix a reconciliation between the operational view presented without applying IFRS 5 and the consolidated financial statements based on an application of IFRS 5.

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BNP Paribas : a distinctive & high performing model in all environments

Client-centric		Integrated		Diversified		At scale
Approach powered by		Set-up with complete		by client segments,		Powerful execution
flow businesses & strong		coverage of client needs		regions, sectors and		strengthened by
risk management		via leading franchises &		businesses		digitalisation and new
		global connectivity				technologies

Stronger engagement	Ability to accompany	Stronger earnings and	Development
with clients, leading	clients in their	resilience in all	of volumes and
to a deepening of	development and	operating	growth
relationships	growth journey	environments	at marginal costs

Diversification, scale, completeness, leading positions & global approach give BNP Paribas a clear competitive advantage and a unique positioning

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BNP Paribas : A model forged through historical & strategic developments

2001-2011:

The seeds of a new business

model

Strategic fit of businesses

(Retail Banking, specialized businesses, CIB, Insurance, Wealth & Asset Management)

Reinforced European footprint

2012-2016:

The strength of an integrated &

diversified business model

Targeted bolt-on acquisitions & development of specialised businesses

Acceleration in cash management (+10pts in European market penetration in 5 years) & flow businesses

Launch of regional business development plans (+60% in

revenues in Asia, +50% in North America)

CIB's new organization, creation of

Global Markets and tied-up with Securities Services

Streamlining of processes & organisation (Simple & Efficient plan)

2017-2021:

Building a European leader

Targeted bolt-on acquisitions to complement the business model

Market share gains & reinforced execution power

Strengthened leading positions in Europe with a global reach

Reinforced & recognised leadership in Sustainable Finance

• Investment Socially Responsible

Digital transformation & industrialisation

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2022- 2025 strategic plan: Growth, Technology & Sustainability 2025

Uniquely positioned to deliver profitable growth

	Leverage the strength of the		…strategically aligned to		…with the full benefit of the
	leading platforms in			integrated & transformed
		serve clients & partners…
	Europe…			operating model
	Technology &		Deployment of sustainable		Development of employees
	industrialisation
		finance and ESG at scale		potential & engagement
	at the heart of the model

Foster organic	Gain market	Create &	Generate
growth in a	shares at	develop new	substantial
disciplined	marginal cost	opportunities	economies
manner			of scale

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