2022 Full Year Results
A Solid Financial Structure
Doubtful loans/gross outstandings
31-Dec-22
31-Dec-21
Doubtful loans (a) / Loans (b)
1.7%
2.0%
(a) Impaired loans (stage 3) to customers and credit institutions, not netted of guarantees, including on-balance sheet and off-balance sheet and debt securities measured at amortized costs or at fair value
through shareholders' equity; (b) Gross loans outstanding to customers and credit institutions, on-balance sheet and off-balance sheet and including debt securities measured at amortized costs or at fair value
through shareholders' equity (excluding insurance)
Coverage ratio
€bn
Allowance for loan losses (a)
Doubtful loans (b)
Stage 3 coverage ratio
31-Dec-22
14.0
31-Dec-21
16.1
19.3
72.5%
21.8
73.6%
(a) Stage 3 provisions; (b) Impaired loans (stage 3) to customers and credit institutions, on-balance sheet and off-balance sheet, netted of guarantees received, including debt securities measured at amortized
costs or at fair value through shareholders' equity (excluding insurance)
BNP PARIBAS
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