2022 Full Year Results
Commercial, Personal Banking & Services - 2022
Very strong increase in results and very positive jaws effect
Very good business drive
Loans: +7.0% vs. 2021, good growth in all businesses, increase in loans to
individuals and corporates
.
•
Deposits: +6.6% vs. 2021, strong increase across all customer segments
Private Banking: very strong net asset inflows (€10.7bn)
Loans
+7.0%
€bn
671
627
91
EM & BancWest
84
145
Specialised
137
Businesses
Ongoing digitalisation
•
•
•
~294 million monthly connexions to the mobile apps¹ (+14.1% vs. 2021)
Increase in customer acquisitions with Hello bank!2: 3.3 million
customers as of 31.12.22 (+6% vs. 31.12.21) and fast pace of account
openings at Nickel (~53,000 per month³)
Digital offering enriched in partnership with fintechs: an automated
foreign-exchange risk management platform for corporates, a cash-flow
forecast solution, and development of beyond-banking services
Revenues: €28,301m
(+9.3% vs. 2021)
• Very good performance of Commercial &
Personal Banking (+8.0%), driven by the
very strong increase in net interest income
and by the increase in fees
• Very strong growth at Specialised
Businesses (+12.0%)
Eurozone
406
436
C&PB
2021
Deposits
2022
+6.6%
€bn
646
606
114
EM & BancWest
109
30
Specialised
28
Businesses
Operating expenses*: €17,928m
(+6.0% vs. 2021)
469
501
Eurozone
C&PB
+4.2% at constant scope and
exchange rates
.
• Positive jaws effect (+3.3 pts)
2021
2022
Pre-tax income5: €8,000m
(+24.1% vs. 2021)
1. Scope: individual, professional and Private Banking customers of Commercial & Personal Banking and of digital banks, Nickel and Personal Finance; 2. Excluding Austria and Italy;
3. On average in 2022 in all countries; 4. Including 100% of Private Banking, including PEL/CEL effects; 5. Including 2/3 of Private Banking, including PEL/CEL effects
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 31View entire presentation