Investor Presentaiton
Higher revenues
(in € millions)
-
3,138
+23.1%
+21.4%
3,480
3,478
-220
19
944
H1 2022 NBI
H1 2022 business
Currency effect
restated
line NBI
restated
H1 2022 business Interest margin
line NBI (constant
exchange rates)
Feed and
commissions/Other
Insurance
4,222
4,230
H1 2023 business
line NBI
(comparable scope
of consilidation)
Changes in
consolidation scope
3,864
H1 2023 business
line NBI
H1 2023 NBI
Growth in Insurance NBI supported by improved financial markets and higher gross inflows in France notably
NIM impacted (-€220m i.e. -20%) by the rise in regulated savings interest rate and the pressure on credit margin linked to the application of
the usury rate
Commissions unchanged in a context of the decision to freeze bank charges for the full year 2023
INVESTOR PRESENTATION - SEPTEMBER 2023
17
12
LA
BANQUE
POSTALEView entire presentation