Third Quarter 2022 Results
CPBS Specialised Businesses - 3Q22
-
New Digital Businesses (Nickel, Floa, Lyf) and Personal Investors
NICKEL, a new-generation payment offering
•
Nickel: number of accounts
opened²
Continued expansion in Europe with the offering being launched in Belgium and
Portugal and a faster pace of account openings since the start of the year
(almost 54,000 per month¹)
2.9m accounts opened² as at 30.09.22 (+26.9% vs. 30.09.21); 8,150 points of
sale2 (+18.7% vs. 30.09.21)
FLOA, the French leader in Buy Now Pay Later
•
4m customers as at 30.09.22 (+14.8% vs. 30.09.21)
•
Good level of production maintained with a tightening in credit standards
+1.1m
2.9m
2.3m
1.8m
BNP PARIBAS
PERSONAL INVESTORS, a specialist in digital banking and investment services
•
Ongoing increase in the number of customers (+6.0% vs. 3Q21)
Normalisation at a high level of order numbers in an unfavourable market context
30.09.20 30.09.21 30.09.22
Floa: number of customers
+0.5m
Revenues³: €197m
(+11.4% vs. 3Q21)
Steep increase in New Digital Businesses,
driven by business development
Personal Investors revenues down in an
unfavourable market context
Reminder: consolidation of 50% Floa's
contribution, effective 01.02.22
Operating expenses³: €149m
(+14.9% vs. 3Q21)
Driven by the development
strategy in New Digital
Businesses
BNP PARIBAS
4.0m
3.8m
3.5m
31.03.22 30.06.22 30.09.22
Pre-tax income4: €22m
(-47.8% vs. 3Q21)
Effect of the integration of Floa on
the cost of risk, effective 01.02.22
1. On average in 3Q22 in France and Spain; 2. Since inception in France and Spain; 3. Including 100% of Private Banking in Germany; 4. Including 2/3 of Private Banking in Germany
The bank for a changing world
Third quarter 2022 results | 33View entire presentation