Investor Presentaiton
DM - BNL banca commerciale - 2021
Good business drive
Growth in business activity
Loans: +1.5% vs. 2020, +3.7% when excluding non-performing loans;
improved market shares across all customer segments
Deposits: +12.3% vs. 2020, growth across all customer segments
Market share on the
corporate segment (loans)1
6.6%
5.6%
5.8% 6.0%
Card payments: strong increase among individual customers in transaction
numbers (+31% vs. 2020) and in volumes (+19% vs. 2020)
Strong momentum in fee growth, financial fees in particular
Growth in off-balance sheet savings: +10.0% vs. 31.12.20, strong increase
in mutual fund outstandings (+14.1% vs. 31.12.20) and continued increase in
life insurance outstandings (+7.3% vs. 31.12.20)
Private banking: very good net asset inflows of €2.2bn
Revenues²: €2,680m
(+0.3% vs. 2020)
Net interest income: -4.9%, impact of the
low-interest-rate environment partly offset by
higher loan volumes
Fees: +8.3%, strong increase in all fees
Operating expenses²: €1,781m
(+2.0% vs. 2020)
Increase driven mainly by the rise in
taxes subject to IFRIC 21 and the
economic recovery
Ongoing effect of adaptation
measures (the "Quota 100"
retirement plan)
4Q18 4Q19 4Q20 4Q21
Off-balance sheet savings
(Life insurance and mutual funds)
+10.0%
39.8
43.8
31.12.20 31.12.21
€bn
Pre-tax income³: €376m
(+3.7% vs. 2020)
1. Source: Italian Banking Association, 4Q21 based on information available as of the end of November; 2. Including 100% of Italian Private Banking; 3. Including 2/3 of Italian Private Banking
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 19View entire presentation