Investor Presentaiton
Controlled risk profile
(in Єm)
12 bps
Low cost of risk
12 bps
Structurally low NPE rate
101
(1)
81
Bancassurance France
43
CIB
Wealth & Asset Management
0.9%
0.8%
88
58
58
0.6%
0.6%
H1 2022
Total exposure by stage
HT 2023
Provisions by stage
2020
2021
2022
HT 2023
Satisfactory NPE coverage rate
(in €bn)
(in €bn)
As a % of
total exposure
1.69
286.2
1.6
294.2 294.4
9.3.1.6
1.63
2.2
298.7
2.6
1.51
0.9%
1.35
27.7
19.5
11.6
0.79
0.86
6.5%
0.67
38.3%
41.2%
35.5%
0.62
32.4%
273.0 283.2 264.5 276.5
92.6%
0.58
Stage 3
0.50
0.69
0.66
Stage 2
0.22
0.27
0.15 0.17
2020
2021
2022
HT 2023
Stage 1
2020
2021
2022
HT 2023
2020
2021
2022 HT 2023
1. H1 2022 figures restated following the application of IFRS 17 (see methodology in the Appendices section)
INVESTOR PRESENTATION - SEPTEMBER 2023
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