Investor Presentaiton
IFS - Europe-Mediterranean - 2021
Confirmation of a good business momentum
Strong business activity
•
•
Loans: +4.9%¹ vs. 2020, very good loan growth across all customer
segments
Acceleration in loan production (+24.1%² vs. 2020) during the year in
all countries, both for individuals and corporates
Deposits: +7.5%¹ vs. 2020, up in all regions
Development of the commercial offering
•
•
Momentum in fee growth confirmed over the full year(+13.8% vs. 2020),
with 4Q21 exceeding by far the 2019 level (+20.8% vs. 4T19)
Sharp increase in active digital customers: 4.3 millions (+16.5% vs.
31.12.20)
Loans1
+4.9%
34.3
32.7
€bn
2020
2021
Fees
+13.8%¹
Revenues³: €1,941m
(-6.3% vs. 2020)
• Stable revenues at constant scope and
exchange rates excluding a non-
recurring item in 4Q21 in Poland
Operating expenses³: €1,604m
(+5.3% vs. 2020)
• Increase driven by high wage drift
and targeted initiatives
€m
2020
2021
Pre-tax income4: €366m
(+12.4% vs. 2020)
• Strong decrease in cost of risk
1. At constant scope and exchange rates; 2. At constant exchange rates, including loans to individuals and corporates in Turkey, Poland, Ukraine and Morocco;
3. Including 100% of Private Banking in Turkey and Poland; 4. Including 2/3 of Private Banking in Turkey and Poland
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 24View entire presentation