Third Quarter 2022 Results
Variation in the Cost of Risk by Business Unit (2/2)
Cost of risk/Customer loans at the beginning of the period (in annualised bps)
2019
2020
1Q21
2Q21
3Q21
4Q21
2021
1Q22 2Q22
3Q22
Commercial & Personal Banking outside the Euro Zone¹
Loan outstandings as of the beg. of the quarter (Єbn)
Cost of risk (Em)
Cost of risk (in annualised bp)
95.8
95.3
86.9
86.9
85.8
87.1
86.7
87.2
89.2
94.5
547
759
32
67
-8
8
99
-154
78
104
57
80
15
31
-4
4
11
-71
35
44
BancWest¹
Loan outstandings as of the beg. of the quarter (€bn)
55.1
55.8
49.8
51.1
49.0
49.3
49.8
50.6
52.5
56.6
Cost of risk (Em)
148
322
-7
8
-23
-24
-45
-194
30
49
Cost of risk (in annualised bp)
27
58
-5
7
-19
-20
-9
-153
23
34
Europe-Mediterranean¹
Loan outstandings as of the beg. of the quarter (€bn)
40.7
39.5
37.2
35.8
36.8
37.8
36.9
36.6
36.7
37.9
Cost of risk (Em)
399
437
39
58
15
32
144
39
48
55
Cost of risk (in annualised bp)
98
111
42
65
17
34
39
43
553
53
58
Personal Finance
Loan outstandings as of the beg. of the quarter (€bn)
93.5
94.4
93.1
93.4
93.5
92.5
93.1
94.0
96.0
96.9
Cost of risk (Em)
1,354
1,997
321
344
303
346
1,314
315
309
336
Cost of risk (in annualised bp)
145
212
138
147
130
150
141
134
129
139
CIB Global Banking
Loan outstandings as of the beg. of the quarter (€bn)
145.6
164.4
144.7
154.0
153.1
156.5
152.1
163.0
169.5
178.7
Cost of risk (Em)
223
1,308
185
Cost of risk (in annualised bp)
15
80
51
40
64
24
-72
201
-20
85
116
17
60
-18
13
?
-5
20
26
Group²
Loan outstandings as of the beg. of the quarter (€bn)
827.1
867.3
846.9
866.8
873.9
883.0
867.7
903.8
942.7
963.7
Cost of risk (Em)
3,203
5,717
896
813
706
510
2,925
456
789
947
Cost of risk (in annualised bp)
39
66
42
38
32
23
34
20
33
39
1. With Private Banking at 100%; 2. Including cost of risk of market activities, Investment and Protection Services and Corporate Centre
BNP PARIBAS
The bank for a changing world
Third quarter 2022 results | 88View entire presentation