Third Quarter 2022 Results
Cost of risk (3/3)
Cost of risk/Customer loans outstanding at the beginning of the period (in annualised bps)
Personal Finance
212
145
141
138 147
150
130
134 129 139
III
Cost of risk: €336m (+€27m vs. 2Q22; +€33m vs. 3Q21)
Low cost of risk
2019 2020 2021
1Q21 2Q21 3Q21 4Q21
1Q22 2Q22 3Q22
Europe-Mediterranean¹
111
98
65
39
42
34
43
53
59
58
17
2019 2020 2021
1Q21 2Q21 3Q21 4Q21
1Q22 2Q22 3Q22
BancWest¹
58
27
23
=
34
7
-9
-5
-19 -20
2019 2020 2021
1Q21 2Q21 3Q21 4Q21
1Q22 2Q22 3Q22
-153
BNP PARIBAS
•
Cost of risk: €55m (+€7m vs. 2Q22; +€40m vs. 3Q21)
Low cost of risk and lower provisions on non-performing loans
(stage 3)
3Q21 reminder: releases of provisions on performing loans²
Cost of risk: €49m (+€19m vs. 2Q22; +€72m vs. 3Q21)
Cost of risk at a low level
3Q21 and 1Q22 reminder: release of provisions² related to
the public-health crisis
The bank for a changing world
1. Including 100% of Private Banking; 2. Stages 1 & 2
Third quarter 2022 results | 14View entire presentation