BNP Paribas Fortis 2021 First Half Results

DYNAMIC BUSINESS ACTIVITY IN A CONTEXT OF REBOUND OF THE ECONOMY

CUSTOMER LOANS^[1] AT EUR 216 BILLION, +3.2%* vs. 30.06.2020

CUSTOMER DEPOSITS^[2] AT EUR 198 BILLION, +6.5%* vs. 30.06.2020

STRONG SUPPORT FOR THE BELGIAN ECONOMY

EUR 131 BILLION OF CREDITS[3]

REVENUES: EUR 4,149 MILLION, +6.7%* vs. 1H 2020
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HIGHER REVENUES IN BELGIUM DESPITE THE IMPACT OF LOW INTEREST RATES

EXCELLENTPERFORMANCEOF OTHERDOMESTICMARKETS AND PERSONALFINANCE
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COSTS: EUR 2,439 MILLION, +3.3%* vs. 1H 2020
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STRICT COST MANAGEMENT WITH A COST REDUCTION IN BELGIUM
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONTAINED COST INCREASE IN THE OTHER BUSINESS LINES

GROSS OPERATING INCOME: EUR 1,710 MILLION, +12.1%* vs. 1H 2020

POSITIVE JAWS EFFECT

COST OF RISK: EUR 227 MILLION, -13bp vs. 1H 2020

COST OF RISK ON AVERAGE OUTSTANDING CUSTOMER LOANS AT 21bp

PRE-TAX INCOME: EUR 1,664 MILLION, +26.1%* vs. 1H 2020

NET INCOME: EUR 1,143 MILLION, +38.1%* vs. 1H 2020

VERY SOLID FINANCIAL STRUCTURE
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COMMON EQUITY TIER 1 RATIO OF 17.7%
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LIQUIDITY COVERAGE RATIO OF 199%[4]