Investor Presentaiton
DM - French Retail Banking - 2021
Sustained business drive and strong growth in results
•
.
Acceleration in business drive throughout the year
Loans: +5.4% vs. 2020, increase in loans, particularly to individual customers, with a
dynamic mortgage loan production; acceleration late in the year in corporate loans
Loans
+5.4%
Deposits: +8.2% vs. 2020, increase driven by the impact of the public health crisis on
customer behaviour
189
199
•
Strong increase in payment and cash management fees (+11.5% vs. 20201),
exceeding the level of 2019 (+5.3% vs. 20191)
€bn
Development of equity capital operations for small and mid-sized companies:
8 IPOs in 2021, including 5 in greentech
2020
2021
Robust transformation of financial savings
Fees²
•
Off-balance sheet savings: +5.0% vs. 31.12.20, with almost €9.5bn (+41% vs. 2020)
in gross life insurance inflows
+4.8%
+8.6%
Private Banking: €122bn in assets under management as at 31.12.21 and strong net
inflows (€4.2bn in 2021)
Revenues²: €6,240m
(+5.0% vs. 2020)
Net interest income: +2.1%, driven by the good
performance of specialised subsidiaries and by loan
activity, despite the impact of low interest rates
Fees: +8.6%, steep increase in all fees (+4.8% vs.
2019)
Operating expenses²: €4,551m
(+1.4% vs. 2020)
• Very positive jaws effect
(+3.6 pts)
•
Ongoing impact of cost-optimisation
measures
2,737
2,641
2,869
€m
2019 2020 2021
Pre-tax income³: €1,149m
(+33.3% vs. 2020)
1.Scope: corporate customers; 2. Including 100% of Private Banking, excluding PEL/CEL effects; 3. Including 2/3 of Private Banking, excluding PEL/CEL effects
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 18View entire presentation