2022 Full Year Results
CPBS - Commercial & Personal Banking in Luxembourg - 4Q22 & 2022
Єm
Commercial & Personal Banking in Luxembourg'
Revenues
incl. net interest income
incl. fees
Operating Expenses and Dep.
Gross Operating Income
Cost of Risk
Operating Income
Share of Earnings of Equity-Method Entities
Other Non Operating Items
Pre-Tax Income
Income Attributable to Wealth and Asset Management
Pre-Tax Income of Commercial & Personal Banking in Luxembourg
Cost/Income
Allocated Equity (Ebn, year to date; including 2/3 of Private Banking in Luxembourg)
4Q22
4Q21
4Q22 /
4Q21
3Q22
4Q22 /
2022
2021
2022/
3022
2021
130
105
25
-67
2NNOON.NE
113
+15.2%
116
+12.2%
475
427 +11.2%
87 +21.4%
94
+12.4%
377
26
-64
222002 w22
-5.5%
22
+11.6%
97
88
+5.0%
-62
+7.1%
-275
-268
339 +11.3%
+10.8%
+2.4%
+28.3%
54
+18.1%
200
158
+26.1%
n.s.
3
n.s.
19
-2
n.s.
+37.2%
56
+28.0%
219
156
+40.1%
-61.6%
0
+11.3%
0
0
+11.7%
n.s.
1
-97.3%
3
0
n.s.
52
+38.3%
58
+24.8%
222
156
+42.3%
50
+9.7%
+39.3%
-1 +50.1%
-6
-6
+5.8%
56
+24.3%
216
150
+43.7%
51.3%
56.3%
-5.0 pt
53.8%
-2.5 pt
57.9%
62.9%
-5.0 pt
0.8
0.7 +13.4%
1. Including 100% of Private Banking in Luxembourg for the Revenues to Pre-tax income line items
Revenues: +15.2% vs. 4Q21; +11.2% vs. 2021
•
•
Net interest income: +21.4% vs. 4Q21;
+11.3% vs. 2021, very strong increase driven
by higher volumes and a good performance of
margin on deposits from corporate clients
Fees: -5.5% vs. 4Q21; +10.8% vs. 2021,
increase driven by fees on corporate clients
Operating expenses: +5.0% vs. 4Q21; +2.4% vs.
control of operating expenses and very positive jaws
effect (+8.8 pts in 2022)
2021,
Pre-tax income: +39.3% vs. 4Q21; +43.7% vs. 2021
BNP PARIBAS
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2022 Full Year Results | 72View entire presentation