2022 Full Year Results
CPBS - Specialised Businesses - Personal Finance - 4Q22
Єm
Personal Finance
Revenues
Operating Expenses and Dep.
Gross Operating Income
Cost of Risk
Operating Income
Share of Eamings of Equity-Method Entities
Other Non Operating Items
Pre-Tax Income
Cost/Income
Allocated Equity (Ebn, year to date)
4022
4021
4Q22 /
3Q22
4Q22 /
2022
2021
2022/
4Q21
3Q22
2021
1,283
1,294
-0.9%
1,345
-4.6%
5,387
5,216
+3.3%
-739
-710
+4.1%
-689
+7.3%
-2,922 -2,804
+4.2%
544
584
-7.0%
656
-17.1%
2,465
2,412
+2.2%
-413
-346
+19.2%
-336
+22.9%
-1,373 -1,314
+4.5%
131
238
-45.1%
320
-59.2%
1,092
1,097
-0.5%
-5
22
n.s.
22
n.s.
57
53
+8.4%
-15
-2
n.s.
-2
n.s.
-29
25
n.s.
111
258
-57.0%
340
-67.4%
1,121
1,175
-4.6%
57.6%
54.9%
+2.7 pt 51.2% +6.4pt 54.2% 53.8%
+0.4 pt
8.1
7.7 +5.4%
At constant scope and exchange rates vs. 4Q21
•
Revenues: -4.0%, decrease driven mainly by the strong pressure on margins, -0.9% at historical scope and
exchange rates with the consolidation of 50% of Floa's contribution, effective 01.02.22
•
Operating expenses: +0.7%, increase driven by targeted projects
Pre-tax income: -50.2%, related particularly to the increase in cost of risk and the decrease in contribution from
associates from a high basis of comparison in 4Q21
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2022 Full Year Results | 78View entire presentation