Cost of risk - BNP Paribas

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Cost of risk - BNP Paribas

Revenues*: +3.0%/2Q07

Net interest income: +3.4%

Financial fees: -3.3% in an unfavourable equity

market environment

Banking fees: +6.2% thanks to substantial cash

management volumes and the attractiveness of

death and disability insurance products

Operating expenses* under control: +1.2%/2Q07

Very low cost of risk*: -€37mn vs. -€32mn in 2Q07

Corporate customers: very sound portfolio

Individual customers: mortgages essentially fixed-rate and

well secured

Pre-tax income**: €461mn (+7.0%/2Q07)

French Retail Banking

Revenues*

790 788 770

409 410 411 443 435

Good performance in in a difficult environment

826 817

244 251 262

*Including 100% French Private Banking, excluding PEL/CEL effects ; ** Including 2/3 of French Private Banking, excluding PEL/CEL effects

Results as at 30.06.2008 French Retail Banking

12

in €mn

271

245

2Q07 3Q07 4Q07 1Q08 2Q08

Net Interest Income

Financial fees

Banking fees

+3.0%

25%

AMS

19%

19%

F 2/3

IRS

%Q/Q-4 Var

+3.4%

-3.3%

+6.2%

BN

bc

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