2022 Full Year Results
Cost of risk (1/3)
Cost of risk/Customer loans outstanding at the beginning of the period (in annualised bps)
Group
66
39
34 31
42 38 32
23
23
2019 2020 2021 2022
1Q212Q213Q214Q21
CIB Global Banking
80
33 311 31
20
1Q222Q223Q224Q22
51
15
13 19
17 6
-5
-18
2019 2020 2021 2022
1Q212Q213Q214Q21
BNP PARIBAS
20 26 33
1Q222Q223Q224Q22
Cost of risk: €773m (-€173m vs. 3Q22; +€263m vs. 4Q21)
Cost of risk at a low level
Decrease of cost of risk on non-performing loans (stage 3)
Release of provisions on performing loans (stages 1 & 2) related to
change in method (-€251m)²
4Q21 reminder: releases of provisions on performing loans
(stages 1 & 2)
Cost of risk: €155m (+€39m vs. 3Q22; +€227m vs. 4Q21)
Cost of risk at a low level
Decrease in provisions on non-performing loans (stage 3) offset by
provisions on performing loans (stages 1 & 2)
4Q21 reminder: releases of provisions on performing loans
(stages 1 & 2)
1. Excluding the exceptional impact of the "Act on assistance to borrowers" in Poland; 39 bps including this impact; 2. to align with specific European standards
The bank for a changing world
2022 Full Year Results | 99View entire presentation