Third Quarter 2022 Results
Variation in the Cost of Risk by Business Unit (1/2)
Cost of risk/Customer loans at the beginning of the period (in annualised bps)
2019
2020
1Q21
2Q21
3Q21
4Q21
2021
1Q22
2Q22 3Q22
Commercial, Personal Banking & Services¹
Loan outstandings as of the beg. of the quarter (Єbn)
Cost of risk (Em)
Cost of risk (in annualised bp)
603.3
620.6
625.0
624.4
629.7
633.5 628.2
643.1 659.1 676.8
2,922
4,212
668
694
639
597
2,598
401
645
730
48
68
43
44
41
38
41
25
39
43
Commercial & Personal Banking in the Euro Zone¹
Loan outstandings as of the beg. of the quarter (Єbn)
391.1
408.1
421.0
420.8
426.6
429.9
424.6
437.5
448.6
459.5
Cost of risk (Em)
883
1,268
281
249
Cost of risk (in annualised bp)
23
31
27
222
288
211
1,030
198
187
230
24
27
21
24
18
17
20
20
CPBF1
Loan outstandings as of the beg. of the quarter (Єbn)
190.4
202.2
212.5 212.9
215.7 214.7 214.0
218.3
221.0 226.7
Cost of risk (Em)
329
496
125
Cost of risk (in annualised bp)
17
25
225
101
115
99
441
93
64
102
102
24
19
25
21
19
21
17
12
18
BNL bc¹
Loan outstandings as of the beg. of the quarter (€bn)
77.2
76.6
78.9
77.5
78.2
Cost of risk (Em)
490
525
110
105
Cost of risk (in annualised bp)
64
69
56
54
26
80.5
78.8
81.5
79.1
80.3
130
143
487
128
110
114
67
71
62
63
55
57
CPBB¹
Loan outstandings as of the beg. of the quarter (€bn)
113.0
117.8
117.9
118.4
120.5
122.5
119.8
125.0
135.8 139.6
Cost of risk (Em)
55
230
47
45
36
-28
28
99
90
-17
16
17
Cost of risk (in annualised bp)
1. With Private Banking at 100%
5
19
16
15
12
-9
8
-6
5
5
BNP PARIBAS
The bank for a changing world
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