Investor Presentaiton
Variation in the Cost of Risk by Business Unit (2/2)
Cost of risk/Customer loans at the beginning of the period (in annualised bp)
2018
2019
1Q20
2Q20
3Q20
4Q20
2020
1Q21
2Q21
3Q21
4Q21
2021
BancWest
Loan outstandings as of the beg. of the quarter (€bn)
51.3
55.1
55.4
58.1
56.8
52.8
55.8
49.8
51.1
49.0
49.3
49.8
Cost of risk (€m)
70
148
62
167
90
3
322
-7
8
-23
-24
-45
Cost of risk (in annualised bp)
14
27
45
115
63
2
58
-5
7
-19
-20
-9
Europe-Mediterranean
1
Loan outstandings as of the beg. of the quarter (Єbn)
37.7
40.7
40.6
40.4
39.8
37.2
39.5
37.2
35.8
36.8
37.8
36.9
Cost of risk (Em)
308
399
86
143
113
95
437
39
58
15
32
144
Cost of risk (in annualised bp)
82
98
85
141
113
102
111
42
65
17
34
39
Personal Finance
Loan outstandings as of the beg. of the quarter (€bn)
84.3
93.5
97.0
96.2
92.6
91.8
94.4
93.1
93.4
93.5
92.5
93.1
Cost of risk (Єm)
1,186
1,354
582
450
383
581
1,997
321
344
303
346
1,314
Cost of risk (in annualised bp)
141
445
145
240
187
165
253
212
138
147
130
150
141
-
CIB Corporate Banking
Loan outstandings as of the beg. of the quarter (€bn)
132.6
145.6
153.1
180.6
169.2
154.6
164.4
144.7
154.0
153.1
156.5
152.1
Cost of risk (Єm)
31
223
201
366
311
430
1,308
185
64
24
-72
201
Cost of risk (in annualised bp)
2
15
52
81
73
111
11
80
51
17
6
-18
13
Group²
Loan outstandings as of the beg. of the quarter (€bn)
788.4
827.1
846.4
886.8
875.7
860.3
867.3
846.9
866.8
873.9
883.0
867.7
Cost of risk (Em)
2,764
Cost of risk (in annualised bp)
35
3,203
39
1,426
1,447
1,245
1,599
5,717
896
813
706
510
2,925
67
65
57
74
66
42
38
32
23
34
1. With Private Banking at 100%; 2. Including cost of risk of market activities, International Financial Services and Corporate Centre
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 102View entire presentation