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2020 Universal registration document and annual financial report - BNP PARIBAS 265

4Consolidated finanCial statements for the year ended 31 deCemBer 2020

4

Notes to the financial statements

Name Country

31 December 2020 31 December 2019

Method Voting

(%) Interest

(%) Ref. Method Voting

(%) Interest

(%) Ref. International Financial Services BNP Paribas Personal Finance

Alpha Crédit SA Belgium Full 100% 99.9% Full 100% 99.9% AutoFlorence 1 SRL (s) Italy Full - - Full - - E1 Autonoria 2019 (s) France Full - - Full - - E2 Autonoria Spain 2019 (s) Spain Full - - Full - - E2 Autop Ocean Indien France Full 100% 97.8% Full 100% 97.8% Axa Banque Financement France Equity 35% 35% Equity 35% 35% Banco BNPP Personal Finance SA Portugal S4 Full 100% 100% Banco Cetelem SA Brazil Full 100% 100% Full 100% 100% Banco Cetelem SA (Ex- Banco Cetelem SAU) Spain Full 100% 100% Full 100% 100% BGN Mercantil E Servicos Ltda Brazil Full 100% 100% Full 100% 100% BNPP Personal Finance France Full 100% 100% Full 100% 100% BNPP Personal Finance (Austria branch) Austria Full 100% 100% Full 100% 100% BNPP Personal Finance (Bulgaria branch) Bulgaria Full 100% 100% Full 100% 100% BNPP Personal Finance (Czech Republic branch) Czech Rep. Full 100% 100% Full 100% 100% BNPP Personal Finance (Portugal branch) Portugal Full 100% 100% E2 BNPP Personal Finance (Romania branch) Romania Full 100% 100% Full 100% 100% BNPP Personal Finance (Slovakia branch) Slovakia Full 100% 100% Full 100% 100% BNPP Personal Finance BV Netherlands Full 100% 100% Full 100% 100% BNPP Personal Finance South Africa Ltd South Africa Full 100% 100% Full 100% 100% Cafineo France Full (1) 51% 50.8% Full (1) 51% 50.8% Carrefour Banque France Equity 40% 40% Equity 40% 40% Cetelem Algérie Algeria Full 100% 100% Full 100% 100% Cetelem America Ltda Brazil Full 100% 100% Full 100% 100% Cetelem Bank LLC Russia S2 Equity 20.8% 20.8% Cetelem Gestion AIE Spain Full 100% 96% Full 99% 95.5% V2 Cetelem SA de CV Mexico Full 100% 100% Full 100% 100% Cetelem Servicios Informaticos AIE Spain Full 100% 81% Full 99% 80.5% V2 Cetelem Servicios SA de CV Mexico Full 100% 100% Full 100% 100% E1 Cetelem Servicos Ltda Brazil Full 100% 100% Full 100% 100% Cofica Bail France Full (1) 100% 100% Full (1) 100% 100% Cofinoga Funding Two LP (s) UK Full - - Full - - Cofiplan France Full (1) 100% 100% Full (1) 100% 100% Creation Consumer Finance Ltd UK Full 100% 100% Full 100% 100% Creation Financial Services Ltd UK Full 100% 100% Full 100% 100% Crédit Moderne Antilles Guyane France Full (1) 100% 100% Full (1) 100% 100% Crédit Moderne Océan Indien France Full (1) 97.8% 97.8% Full (1) 97.8% 97.8% Domofinance France Full (1) 55% 55% Full (1) 55% 55% Domos 2011 (s) France S1 Full - - Domos 2017 (s) France Full - - Full - - Ecarat 11 PLC (s) UK Full - - E1 Ecarat 10 (s) France Full - - Full - - E2 Ecarat 10 PLC (s) UK Full - - Full - - E2 Ecarat 6 PLC (s) UK S1 Full - - Ecarat 7 PLC (s) UK Full - - Full - - Ecarat 8 PLC (s) UK Full - - Full - - Ecarat 9 PLC (s) UK Full - - Full - - Ecarat SA (s) Luxemburg Full - - Full - - Effico France Equity 24.5% 24.5% Equity 24.5% 24.5% Ekspres Bank AS Denmark Full 100% 100% Full 100% 100% Ekspres Bank AS (Norway branch) Norway Full 100% 100% Full 100% 100% Ekspres Bank AS (Sweden branch) Sweden Full 100% 100% Full 100% 100% Eos Aremas Belgium SA NV Belgium Equity 50% 49.9% Equity 50% 49.9% Findomestic Banca SPA Italy Full 100% 100% Full 100% 100% Florence SPV SRL (s) Italy Full - - Full - - GCC Consumo Establecimiento Financiero de Credito SA Spain Full 51% 51% Full 51% 51% Genius Auto Finance Co Ltd China Equity (3) 20% 20% Equity (3) 20% 20% Laser ABS 2017 Holding Ltd UK S3 Full 100% 100% Laser ABS 2017 PLC (s) UK S3 Full - - Leval 20 France S4 Full 100% 100% Loisirs Finance France Full (1) 51% 51% Full (1) 51% 51% Magyar Cetelem Bank ZRT Hungary Full 100% 100% Full 100% 100%

Name Country

31 December 2020 31 December 2019

Method Voting

(%) Interest

(%) Ref. Method Voting

(%) Interest

(%) Ref. Neuilly Contentieux France Full 95.9% 95.6% V3 Full 96% 95.7% Noria 2018-1 (s) France Full - - Full - - NORIA 2020 (s) France Full - - E2 Noria Spain 2020, FT (s) Spain Full - - E2 Norrsken Finance France S4 Full (1) 100% 100% Olympia SAS France Full 50% 50% Full 50% 50% Oney Magyarorszag ZRT Hungary S2 Equity 40% 40% Opel Bank France Full 50% 50% Full 50% 50% Opel Bank (Austria branch) Austria Full 50% 50% E2 Opel Bank (Germany branch) Germany Full 50% 50% Full 50% 50% E2 Opel Bank (Greece branch) Greece Full 50% 50% Full 50% 50% E2 Opel Bank (Italy branch) Italy Full 50% 50% Full 50% 50% E2 Opel Bank (Spain branch) Spain Full 50% 50% Full 50% 50% E2 Opel Finance BV Belgium Full 100% 50% Full 100% 50% Opel Finance International BV Netherlands S4 Full 100% 50% Opel Finance NV Netherlands Full 100% 50% Full 100% 50% Opel Finance SA Switzerland Full 100% 50% Full 100% 50% Opel Leasing GmbH Germany S4 Full 100% 50% Opel Leasing GmbH (Austria branch) Austria S4 Full 100% 50% Phedina Hypotheken 2010 BV (s) Netherlands Full - - Full - - Projeo France S4 Full (1) 100% 100% RCS Botswana Pty Ltd Botswana Full 100% 100% E1 RCS Cards Pty Ltd South Africa Full 100% 100% Full 100% 100% RCS Investment Holdings Namibia Pty Ltd Namibia Full 100% 100% E1 Securitisation funds UCI and RMBS Prado (b) (s) Spain Equity (3) - - Equity (3) - - Servicios Financieros Carrefour EFC SA Spain Equity 37.3% 40% Equity 37.3% 40% Solfinéa (Ex- Banque Solfea) France Equity (3) 45% 45% Equity (3) 45% 45% Suning Consumer Finance Co Ltd China Equity 15% 15% Equity 15% 15% Sygma Funding Two Ltd UK Full 100% 100% Full 100% 100% Symag France Full 100% 100% Full 100% 100% TEB Finansman AS Turkey Full 100% 92.8% Full 100% 92.8% Union de Creditos Inmobiliarios SA Spain Equity (3) 50% 50% Equity (3) 50% 50% United Partnership France Equity (3) 50% 50% Equity (3) 50% 50% Vauxhall Finance PLC UK Full 100% 50% Full 100% 50% XFERA Consumer Finance EFC SA Spain Full 51% 51% E1 International Retail Banking BancWest

BancWest Holding Inc. USA Full 100% 100% Full 100% 100% BancWest Holding Inc. Grantor Trust ERC Subaccount (s) USA Full - - Full - - E1 BancWest Holding Inc. Umbrella Trust (s) USA Full - - E2 BancWest Investment Services Inc. USA Full 100% 100% Full 100% 100% Bank of the West USA Full 100% 100% Full 100% 100% Bank of the West Auto Trust 2018-1 (s) USA Full - - Full - - Bank of the West Auto Trust 2019-1 (s) USA Full - - Full - - Bank of the West Auto Trust 2019-2 (s) USA Full - - Full - - E2 BNPP Leasing Solutions Canada Inc. Canada Full 100% 100% Full 100% 100% BOW Auto Receivables LLC (s) USA Full - - Full - - BWC Opportunity Fund 2 Inc. (s) USA Full - - Full - - E2 BWC Opportunity Fund Inc. (s) USA Full - - Full - - CFB Community Development Corp. USA Full 100% 100% Full 100% 100% Claas Financial Services LLC USA Full 51% 51% Full 51% 51% Commercial Federal Affordable Housing Inc. USA Full 100% 100% Full 100% 100% Commercial Federal Community Development Corp. USA Full 100% 100% Full 100% 100% Commercial Federal Insurance Corp. USA Full 100% 100% Full 100% 100% Commercial Federal Investment Service Inc. USA Full 100% 100% Full 100% 100% First Santa Clara Corp. (s) USA Full - - Full - - Liberty Leasing Co USA Full 100% 100% Full 100% 100% United California Bank Deferred Compensation Plan Trust (s) USA Full - - E2 Ursus Real Estate Inc. USA Full 100% 100% Full 100% 100% International Retail Banking Europe Mediterranean

Bank of Nanjing China Equity 14% 14% V3 Equity 15% 15%

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