2018 Registration document and annual fi nancial report - BNP PARIBAS142

3 2018 REVIEW OF OPERATIONS

3

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

In millions of euros 2018 2017

French Retail Banking (including 100% of Private Banking in France)(*)

Revenues 6,331 6,371

Incl. Net Interest Income 3,568 3,588

Incl. Commissions 2,763 2,783

Operating Expenses and Dep. (4,609) (4,657)

Gross Operating Income 1,722 1,714

Cost of Risk (288) (331)

Operating Income 1,434 1,383

Non Operating Items (1) 1

Pre-Tax Income 1,432 1,384

Income Attributable to Wealth and Asset Management (148) (153)

Pre-Tax Income of French Retail Banking 1,284 1,231

Allocated Equity ( bn, year to date) 9.6 9.4

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

In millions of euros 2018 2017

French Retail Banking (including 100% of Private Banking in France)(*) Excluding PEL/CEL Effects

Revenues 6,311 6,352

Incl. Net Interest Income 3,548 3,569

Incl. Commissions 2,763 2,783

Operating Expenses and Dep. (4,609) (4,657)

Gross Operating Income 1,701 1,695

Cost of Risk (288) (331)

Operating Income 1,413 1,365

Non Operating Items (1) 1

Pre-Tax Income 1,412 1,366

Income Attributable to Wealth and Asset Management (148) (153)

Pre-Tax Income of French Retail Banking 1,263 1,213

Allocated Equity ( bn, year to date) 9.6 9.4

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

In millions of euros 2018 2017

French Retail Banking (including 2/3 of Private Banking in France)

Revenues 6,035 6,071

Operating Expenses and Dep. (4,463) (4,510)

Gross Operating Income 1,571 1,562

Cost of Risk (286) (331)

Operating Income 1,285 1,231

Non Operating Items (1) 0

Pre-Tax Income 1,284 1,231

Allocated Equity ( bn, year to date) 9.6 9.4