Investor Presentaiton
Cost of risk by Business Unit (2/3)
Cost of risk vs. Customer loans outstanding at the beginning of the period (in annualised bps)
FRB
Cost of risk: €99m
-€16m vs.3Q21
-€69m vs.4Q20
16 17 25 21
21
18 27 32
24 19 21
19
Cost of risk at a low level
2018 2019 2020 2021
1Q202Q203Q204Q20
1Q212Q213Q214Q21
BNL bc
75 64 69 62
64 64 63 82
56 54 67 71
2018 2019 2020 2021
BRB
1Q202Q203Q204Q20
1Q212Q213Q214Q21
4 5
19
8
18 27
10
23
16 15 12
-9
2018 2019 2020 2021
1Q202Q203Q204Q20
1Q212Q213Q214Q21
Cost of risk: €143m
+€12m vs.3Q21
-€19m vs.4Q20
Moderate releases of provisions on performing loans (stages
1 & 2)
Cost of risk: -€28m
-€63m vs.3Q21
-€95m vs.4Q20
Low cost of risk, due to releases of provisions on performing
loans (stages 1 & 2) and a limited number of new defaults
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 104View entire presentation