2022 Full Year Results
CPBS-Europe Mediterranean - 2022
Good business drive
Commercial activity
Loans: +17.7% vs. 2021, increased volumes in corporate clients,
particularly in Poland; prudent origination, particularly in individual
customers in Poland and Türkiye
Deposits: +21.8%¹ vs. 2021, up in Poland and Türkiye, particularly in
corporate customers
4.1 million active digital customers² (+17.6% vs. 31.12.21)
Ongoing transformation
Sale of businesses in sub-Saharan Africa in the process of closing
Development of the sustainable finance offering recognised in Poland
with the best ESG rating amongst Polish banks³
Limited overall impact from the implementation of IAS 29 and
from the efficiency of the hedging in Türkiye: -€6m on pre-tax
income
Loans1
+17.7%¹
35
30
€bn
2021
2022
• Deposits¹
+21.8%¹
Revenues: €2,346m
(+32.5% vs. 2021)
Driven by the very strong increase in
net interest income in deposits,
despite the impact of negative items
linked to loans in 4Q21 and 4Q22 in
Poland
Operating expenses: €1,649m
(+11.3% vs. 2021)
Increase driven particularly by high
wage inflation
Very positive jaws effect
(+21.2 pts6)
42
34
€bn
2021
2022
Pre-tax income5: €817m
(x2.26 vs. 2021)
BNP PARIBAS
1. At constant scope and exchange rates; 2. Perimeter Including Türkiye, Poland, Morocco and Algeria; 3. "ESG Risk Rating" of BNP Paribas Polska by Sustainalytics;
4. Including 100% of Private Banking; 5. Including 2/3 of Private Banking; 6. At constant scope and exchange rates excluding Türkiye at historical exchange rates in accordance with IAS 29
The bank for a changing world
2022 Full Year Results | 35View entire presentation