Investor Presentaiton
Cost of risk by Business Unit (3/3)
Cost of risk vs. Customer loans outstanding at the beginning of the period (in annualised bps)
Personal Finance
240
253
212
187
141 145
141
165
138 147
130
150
2018 2019 2020 2021
1Q202Q203Q204Q20
1Q212Q213Q214Q21
Europe Mediterranean
98 111
141
82
85
113 102
39
42
2018 2019 2020 2021
1Q202Q203Q204Q20
BancWest
65
59
34
17
1Q212Q213Q214Q21
Cost of risk: €346m
+€43m vs.3Q21
-€235m vs.4Q20
Cost of risk at a low level
Reminder from 4Q20: impact of the regulatory change in the
definition of default taken into account as of 4Q20
Cost of risk: €32m
"
+€17m vs.3Q21
-€63m vs.4Q20
Strong decrease in the cost of risk from a high basis of
comparison - moderate releases of provisions on
performing loans (stages 1 & 2)
-19-20
1Q212Q213Q214Q21
Cost of risk: -€24m
"
-€1m vs.3Q21
-€27m vs.4Q20
Releases of provisions on performing loans (stages 1 & 2)
and low level of provisions on non-performing loans (stage 3)
115
58
63
14 27
45
2
7
-9
2018 2019 2020 2021
1Q202Q203Q204Q20
-5
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The bank for a changing world
2021 Full Year Results | 105View entire presentation