Third Quarter 2022 Results
Cost of risk (1/3)
Cost of risk/Customer loans outstanding at the beginning of the period (in annualised bps)
Group
66
39
42
38
34
32
32
23
23
20
20
33 311
2019 2020 2021
1Q21 2Q21 3Q21 4Q21
1Q22 2Q22 3Q22
CIB Global Banking
-
80
51
15
13
17
6
20
20
26
Cost of risk: €947m (+€158m vs. 2Q22; +€241m vs. 3Q21)
€743m (-€46m vs. 2Q22; +€37m vs. 3Q21) excluding the
exceptional impact due to the "Act on assistance to borrowers" in
Poland (€204m) in 3Q22
Cost of risk at a low level
Driven by low provisions on non-performing loans (stage 3) as
well as provisions on performing loans²
3Q21 reminder: moderate releases of provisions on performing
loans²
-5
-18
2019 2020 2021
1Q21 2Q21 3Q21 4Q21
1Q22 2Q22 3Q22
Cost of risk: €116m (+€31m vs. 2Q22; +€92m vs. 3Q21)
Cost of risk at a low level
Release of provisions on non-performing loans (stage 3) offset by
provisions on performing loans²
1Q22 reminder: release of provisions on performing loans²
1. Excluding the exceptional impact of the "Act on assistance to borrowers" in Poland, 39 bps including this impact; 2. Stages 1 & 2
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