2022 Full Year Results
-
CPBS Commercial & Personal Banking in France - 2022
Strong increase in results
Sustained growth in activity
.
Loans: +4.8% vs. 2021, increase across all customer segments, greater selectivity
in mortgage loans
Loans
+4.8%
€bn
Deposits: +4.8% vs. 2021, increase across all customer segments, low relative
exposure to regulated savings
•
Off-balance sheet savings: -3.8% vs. 31.12.21, in an unfavourable market
environment
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Private Banking: very strong net asset inflows (€6.2bn, +47.7% vs. 2021), external
client acquisitions and synergies with entrepreneurs
Accelerated development in corporate client segment
Expanded investment banking capabilities dedicated to SMEs and mid-caps,
development of equity capital operations: 17 mandates in 2022 (x2 vs. 2021)
Strong increase in cash management and trade finance fees (+10.2% vs. 2021)
Innovation and rollout of service models
Mobile apps for retail customers recognised as the most innovative in France1
Rollout of an offering dedicated to Mass affluent clients (130,000 paying
subscriptions in 2022)
Revenues²: €6,680m
(+6.6% vs. 2021)
⚫ Net interest income: +4.9%, driven by a
favourable environment and the contribution
of specialised subsidiaries
• Fees: +8.5%, up across all customer
segments
Operating expenses²: €4,698m
(+3.1% vs. 2021)
• Very positive jaws effect (+3.5 pts)
• Support for growth and ongoing impact
of cost-savings measures
2021
2022
Fees²
€m +17.8%
+8.5%
2,869
3,112
2,641
2020
2021
2022
Pre-tax income³: €1,613m
(+36.5% vs. 2021)
1. Mobile apps of Hello bank! and Mes comptes BNP Paribas ranked n°1 in online banking and traditional banking categories by MindFintech in January 2023;
2. Including 100% of Private Banking including PEL/CEL effects (+€46m in 2022, +€29m in 2021); 3. Including 2/3 of Private Banking, including PEL/CEL effects
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 32View entire presentation