2022 Full Year Results
Cost of risk (3/3)
Cost of risk/Customer loans outstanding at the beginning of the period (in annualised bps)
Personal Finance
212
145
141 143
138 147
150
170
130
134 129 139
2019 2020 2021 2022
1Q212Q213Q214Q21
Europe-Mediterranean¹
1Q222Q223Q224Q22
111
98
65
39 41
42
34
43 53
58
59
17
11
2019 2020 2021 2022
1Q212Q213Q214Q21
1Q222Q223Q224Q22
BancWest¹
58
27
7
-9 -7
-5
2019 2020 2021 2022
-19-20
1Q212Q213Q214Q21
BNP PARIBAS
23
34
Cost of risk: €413m (+€77m vs. 3Q22; +€67m vs. 4Q21)
Lower provisions on non-performing loans (stage 3)
Provisions on performing loans (stages 1 & 2)
Cost of risk: €10m (-€45m vs. 3Q22; -€22m vs. 4Q21)
Cost of risk very low due to a moderate release of provisions
on performing loans (stages 1 & 2)
50
50
Cost of risk: €76m (+€27m vs. 3Q22; +€100m vs. 4Q21)
Provisions on performing loans (stages 1 & 2)
4Q21 reminder: release of provisions² related to the public
health crisis
1Q222Q223Q224Q22
-153
The bank for a changing world
1. Including 100% of Private Banking; 2. Stages 1 & 2
2022 Full Year Results | 101View entire presentation