BRD Groupe Societe Generale financial results of 2021:

High profitability: Net profit RON 1 319m, +37% vs 2020, ROE 15.6%*

Very strong lending activity: Double digit growth of overall loan portfolio: Portfolio growth +11% end of year

Very dynamic retail loan production, well above both 2019 & 2020 levels

Portfolio growth +11% end of year

Remarkable performance on corporate lending

Double digit growth of overall loan portfolio

Corporate loans +26% end of year

Positive momentum in NII in Q4 ’21, +4% vs Q4 ’20 and +5% vs Q3 ’21

Accelerated digital adoption

+20% digitally active users
+31% transactions