2022 Full Year Results
Cost of risk-2022
Group
Proactive and long-term management
reflected in a low cost of risk
Prudent approach: CoR / GOI ratio
among the lowest in Europe¹
in bps/customer loans
outstanding
58 59 57 54
Illiii
2008-9M2022 average
68%
60%
66
39%
42% 42% 43% 45%
46
39
39
-40
30%
35
34 31
BNPP
Peer 1
Peer 2
Peer 3
Peer 4
Peer 5
Peer 6
Peer 7
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
2022-2025
Guidance
Stages 1&2 provisions in 2020
Cost of risk: €2,965m (+€40m vs. 2021)
Cost of risk at a low level
Provisions on non-performing loans (stage 3) at a low level
Provision of €463m on performing loans (stages 1 & 2) related particularly to the indirect effects of the invasion of
Ukraine, higher inflation and interest rates, partly offset by releases of provisions related to the public health crisis
and changes in method² (-€251m in 4Q22)
Reminder: Impact in 3Q22 of the "Act on assistance to borrowers" in Poland (+€204m)
1. Source: publications of Eurozone banks: BBVA, Crédit Agricole SA, Deutsche Bank, Intesa SP, Santander, Société Générale, Unicredit; 2. To align with specific European standards
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 13
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