Investor Presentaiton
Variation in the Cost of Risk by Business Unit (1/2)
Cost of risk/Customer loans at the beginning of the period (in annualised bp)
2018
2019
1Q20
2Q20
3Q20
4Q20
2020
1Q21
2Q21
3Q21 4Q21 2021
Domestic Markets'
Loan outstandings as of the beg. of the quarter (Єbn)
401.3
414.0
422.1
427.2
435.5
439.0
431.0
445.0
444.2
450.4 453.9
448.4
Cost of risk (Em)
1,046
1,021
313
331
353
458
1,456
315
284
343
243
1,185
Cost of risk (in annualised bp)
26
25
30
31
32
42
34
28
26
30
21
26
FRB¹
1
Loan outstandings as of the beg. of the quarter (€bn)
185.2
190.4
195.1
198.7
205.3
209.5
202.2
212.5
212.9
215.7
214.7
214.0
Cost of risk (Em)
288
329
Cost of risk (in annualised bp)
16
17
172
101
90
90
21
18
32
137
169
496
125
101
115
99
90
441
27
32
25
24
19
21
19
21
BNL bc'
Loan outstandings as of the beg. of the quarter (€bn)
78.6
77.2
74.8
75.7
77.5
78.6
76.6
78.9
77.5
78.2
80.5
78.8
Cost of risk (Em)
592
490
120
122
122
161
525
110
105
130
143
487
Cost of risk (in annualised bp)
75
64
64
64
63
82
69
56
54
67
71
62
BRB¹
Loan outstandings as of the beg. of the quarter (Єbn)
106.4
113.0
117.3
118.6
118.5
116.8
117.8
117.9
118.4
120.5
122.5
119.8
Cost of risk (Em)
43
55
54
80
29
Cost of risk (in annualised bp)
4
18
188
27
27
10
622
67
230
47
45
36
-28
23
19
16
15
12
29
99
-9
1. With Private Banking at 100%
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