BNP PARIBAS

CORPORATE GOVERNANCE

Patrice MENARD

Advisor to the Group Chief Operating Officer

Head of Key Shareholders Relations

JUNE 2021

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. None of BNP Paribas or 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): Adobe Stock © Yakobchuk Olena, Adobe Stock © Maria_Savenko , © 2020 BNP Paribas / Sébastien Millier, Adobe Stock © zhu difeng

Corporate Governance - June 2021 2

The BNP Paribas Fundamentals

Corporate Governance within BNP Paribas

The Board of Directors and its Committees

Corporate Officers' Compensation

Appendix

Organisation of the Operating Divisions

2020 Revenues of the Operating Divisions

Corporate & Institutional Banking: 31%

DM

34%

IFS

35%

CIB

INTERNATIONAL FINANCIAL SERVICES

CORPORATE BANKING

PERSONAL FINANCE

GLOBAL MARKETS

EUROPE - MEDITERRANEAN

SECURITIES SERVICES

BANCWEST

BNP PARIBAS CARDIF

WEALTH MANAGEMENT

BNP PARIBAS ASSET MANAGEMENT

BNP PARIBAS REAL ESTATE

Retail Banking & Services: 69%

DOMESTIC MARKETS

  • FRENCH RETAIL BANKING
  • BNL BANCA COMMERCIALE
  • BELGIAN RETAIL BANKING
  • LUXEMBOURG RETAIL BANKING
  • BNP PARIBAS PERSONAL INVESTORS
  • ARVAL
  • BNP PARIBAS LEASING SOLUTIONS
  • NICKEL

Straightforward business structure with more than 2/3 of retail and service activities

Corporate Governance - June 2021 4

A Business Model Well Diversified by Country and Business

No country, business or industry concentration

2020 Gross Commitments1 by region

>90% in wealthy markets

34%

19%

15%

12%

10%

5%

5%

France Other

Belgium

North

Italy

Asia

Rest of

Europe

& Lux

America

Pacific

the world

Basel 3 risk-weighted assets2 by business as at 31.12.2020

Other

Retail Banking &

Services: 64%

activities: 5%

FRB: 14%

Global Markets &

Securities Services: 14%

BNL bc: 7%

Corporate

BRB: 7%

Banking: 17%

Other Domestic

Markets3: 6%

Insurance & WAM: 7%

Personal

BancWest: 6%

Finance: 10%

Europe-

Mediterranean:

7%

A balanced business model: a clear competitive advantage in terms of revenues and risk diversification

Business units and regions evolving according to different cycles

An integrated business model fuelled by cooperation between Group Businesses

Strong resilience in changing environments

1. Total gross commitments, on and off balance sheet, unweighted of €1,783bn as at 31.12.20 ; 2. CRD 4 ; 3. Including Luxembourg

Corporate Governance - June 2021 5

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BNP Paribas SA published this content on 29 June 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 08 July 2021 16:23:56 UTC.