2022 Full Year Results
Cost of risk (2/3)
Cost of risk vs. Customer loans outstanding at the beginning of the period (in annualised bps)
CPBF1
17
25
21
21
11
24
19
19
21
19
17
+3
12
18
-4
1Q222Q223Q224Q22
2019 2020 2021 2022
1Q212Q213Q214Q21
BNL bc1
64 69 62 58
56 54
67
71
63
55 57 57
2019 2020 2021 2022
CPBB1
1Q212Q213Q214Q21
1Q222Q223Q224Q22
19
5
8 3
16 15 12
5
5
60
-9
-6
2019 2020 2021 2022
1Q212Q213Q214Q21
1Q222Q223Q224Q22
BNP PARIBAS
Cost of risk: -€21m (-€123m vs. 3Q22; -€121m vs. 4Q21)
Cost of risk at a very low level
Strong release of provisions (stages 1 & 2) related to a change
in method (-€163m)²
Cost of risk: €114m (stable vs. 3Q22; -€28m vs. 4Q21)
Low cost of risk with a decrease in provisions on non-performing
loans (stage 3)
2021 reminder: moderate releases of provisions (stages 1 & 2)
Cost of risk: €20m (+€4m vs. 3Q22; +€48m vs. 4Q21)
Cost of risk at a very low level
1. Including 100% of Private Banking; 2. to align with specific European standards
The bank for a changing world
2022 Full Year Results | 100View entire presentation