Investor Presentaiton
2025
Technology & industrialisation, key pillars & cornerstones of operational
efficiency improvement
Positive jaws effects through
2021-2025 period
Significant improvement in cost / income ratio in all divisions
cpbs
IPS
CIB
Average
Jaws effect
2021-20251
>+2%
Business transformation &
related investments a self-funded
by business lines
C/I ratio²
C/I ratio³
C/I ratio
66.5%
-60%
65.0%
65.2%
-62%
-58%
2021 2025 target
2021 2025 target
2021 2025 target
Extensive use of Al, data and
robotics
Smart sourcing & roll-out of
service centers
Strong development in the
secure use of cloud
technologies
Amplification of the use of the
"Make / Buy / Share" strategy
Broad APIsation of the
information system
Accelerated convergence of
European technological
platforms
Stable envelope at Group level to cover IT reinforcement, adaptation and restructuration costs
(€400m yearly average) offset by capital gains
1. CAGR 21-25 Revenues minus CAGR 21-25 Operating Expenses;
2. Excluding Bank of the West and including 100% of Private Banking in the Commercial & Personal Banking in the Eurozone, Europe Mediterranean; 3. Excluding Bank of the West
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 48View entire presentation