2020 Universal registration document and annual financial report - BNP PARIBAS 153

32020 review of oPerations

3

Alternative Performance Measures (APM) Article 223-1 of the AMF s General regulation

Reminder on PEL/CEL provision: this provision, accounted in FRB s revenues, takes into account the risk generated by Plans Épargne Logement (PEL) and Comptes Épargne Logement (CEL) during their lifetime.

In millions of euros 2020 2019

PEL-CEL Effects 3 12

In millions of euros 2020 2019

BNL banca commerciale (Including 100% of the Private Bank in Italy)(1)

Revenues 2,671 2,778

Operating Expenses and Dep. (1,746) (1,800)

Gross Operating Income 925 978

Cost of Risk (525) (490)

Operating Income 400 488

Non Operating Items (2) (5)

Pre-Tax Income 398 483

Income Attributable to Wealth and Asset Management (35) (41)

Pre-Tax Income of BNL bc 363 443

Allocated Equity ( bn, year to date) 5.3 5.3

In millions of euros 2020 2019

BNL banca commerciale (Including 2/3 of the Private Bank in Italy)

Revenues 2,586 2,690

Operating Expenses and Dep. (1,697) (1,753)

Gross Operating Income 889 938

Cost of Risk (524) (490)

Operating Income 365 447

Non Operating Items (2) (5)

Pre-Tax Income 363 443

Allocated Equity ( bn, year to date) 5.3 5.3

In millions of euros 2020 2019

Belgian Retail Banking (Including 100% of the Private Bank in Belgium)

Revenues 3,432 3,524

Operating Expenses and Dep. (2,408) (2,480)

Gross Operating Income 1,024 1,044

Cost of Risk (230) (55)

Operating Income 794 989

Share of Earnings of Equity-Method Entities 18 13

Other Non Operating Items 13 (3)

Pre-Tax Income 826 999

Income Attributable to Wealth and Asset Management (64) (70)

Pre-Tax Income of Belgian Retail Banking 762 929

Allocated Equity ( bn, year to date) 5.4 5.8

(1) Including 100% of Private Banking for the Revenues to pre-tax income items.