Investor Presentaiton
INTERNATIONAL RETAIL BANKING
BREAKDOWN BY REGION - QUARTERLY RESULTS
Western Europe
Czech Republic
Romania
Russia (1)
Africa, Mediterranean basin
and Overseas
Total International Retail
Banking
In EURM
Net banking income
Q422
232
Operatating expenses
(105)
(104)
Gross operating income
127
145
Net cost of risk
(53)
(53)
Q4 21 Change
249 -6.6%*
+1.2%* (166)
-12.1%* 199
1
Q422
365
Q4 21 Change Q422
304 +15.2%* 166
(151) +5.0%* (101)
153
Q4 21 Change Q422
141 +16.5%*
Q4 21
163
n/a
Change Q4 22 Q4 21 Change
519
Q422
453 +10.1%* 1,280
Q4 21
1,311 +8.3%*
Change
(2)
(88)
+13.8%*
(129)
n/a
(298)
(281)
-0.3%* (681)
(753) +4.7%*
+25.4%* 65
53
+20.9%*
34
n/a
221
172
+28.0%* 599
558
+12.6%*
-1.1%*
0
n/s (9)
25
n/s
(18)
n/a
(53)
(44)
+18.7%* (114)
(89)
+60.5%*
Operating income
74
92
-18.6%* 200
153
Net profit or losses from other assets
0
0
n/s
(2) 6
Income tax
(16)
(19)
-14.7%*
(44)
(33)
+26.1%* 56
n/s
1
+28.3%* (13)
78
-27.8%*
16
n/a
168
128
+31.5%* 485
469
+5.1%*
3
-66.8%*
0
n/a
0
1
(17)
-23.1%*
Minority interests
3
3
-0.1%*
61
49
Group net income
58
70
-17.6%*
93
77
C/I ratio
45%
42%
45% 50%
+19.5%* 18
+18.6%* 26
39
61% 62%
25
-31.4%*
0
ल ०
n/a
(52) (41)
n/a
46
33
n/s
+26.8%* (122)
+58.4%* 128
(1)
8
n/s
(113)
+9.1%*
112
+17.0%*
-31.9%*
13
n/a
70
55
+17.8%* 236
252
-5.0%*
79%
57% 62%
53%
57%
Average allocated capital
1,556
1,553
1,201
1,003
662
496
1,123
1,972
1,773
5,398
5,958
*When adjusted for changes in Group structure and at constant exchange rates (excluding disposed Russian activities)
(1) Russia structure includes Rosbank, Rusfinance and their consolidated subsidiaries in International Retail Banking disposed on 18 may 2022
(2) Excluding disposed Russian activities
SOCIETE
GENERALE
4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023View entire presentation