Investor Presentaiton
ALTERNATIVE PERFORMANCE MEASURES
ARTICLE 223-1 OF THE AMF GENERAL REGULATION
Alternative Performance Measures
Definition and method of calculation
NBI excluding the effect of home savings account provisions
NBI restated for provisions or reversal of provisions for liabilities related to home savings
accounts (PEL and CEL)
Operating expenses
Cost-income ratio
Sum of operating expenses and net depreciation, amortisation and impairment of
property, plant and equipment and intangible assets
Operating expenses divided by NBI adjusted for accrued interest on
non-performing loans
Cost of risk (in basis points)
Average retail banking credit risk costs for the quarter divided by outstanding loans at the
beginning of each quarter
LA
BANQUE
POSTALE
Investor presentation / December 2021
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