Investor Presentaiton
Domestic Markets - 2021
Increase in activity, strong rise in results
Very good business drive
Loans: +4.2% vs. 2020, increase in all businesses, rise in individual and
corporate loans
Loans
+4.2%
€bn
434
452
Deposits: +8.6% vs. 2020, increase driven by the effects of the public health
crisis on customer behaviour
54
58
Other DMs
115
117
BRB
76
77
BNL bc
189
199
FRB
2020
2021
172 million monthly connections to the mobile apps¹ in 4Q21 (+25.4% vs.
4Q20), or a contact more than 25 times per month on average
Expansion in client acquisition with Hello bank!² in Europe: 3.1 million
clients as at 31.12.2021 (+8.7% vs. 31.12.20)
Sustained growth in financial savings
•
•
Increase in off-balance sheet savings: +9.7% vs. 31.12.20; increase of
12.5% in mutual fund outstandings and 6.9% in life insurance vs. 31.12.20
Private banking: very good net inflows of €7.7bn
Revenues³: €16,275m
(+5.2% vs. 2020)
• Very good overall performance in the networks4
(+3.2%), driven by the sharp rise in fees and the
good performance of specialised subsidiaries
despite the impact of low interest rates
• Strong increase at Arval (+19.5%), Leasing
Solutions (+7.7%) and Nickel (+24.9%)
Operating expenses³: €10,784m
(+2.0% vs. 2020)
• +0.7% in the networks4
+8.1% in the specialised businesses
in connection with their growth
• Very positive jaws effect
(+ 3.1pts)
€m
Gross Operating Income³
+11.8%
5,491
4,909
2020
2021
Pre-tax income5: €4,123m
(+26.0% vs. 2020)
1. Scope: individuals, small business and private banking customers of DM networks or digital banks (including Germany) and Nickel, on average in 4Q; 2. Excluding Austria and Italy;
3. Including 100% of Private Banking, excluding PEL/CEL effects; 4. FRB, BDDB, BNL bc and including 100% of Private Banking; 5. Including 2/3 of Private Banking, excluding PEL/CEL effects
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 17View entire presentation