Third Quarter 2022 Results
A high-quality risk profile
Long-term, prudent and proactive risk management
Prudent approach: CoR / GOI ratio
among the lowest in Europe¹
Proactive and long-term management
reflected in a low cost of risk
2008-2021 average
31%
41% 42% 44% 44% 46%
in bps/customer loans
outstanding
73%
66
63%
58 59 57 54
46
39
39
-40
35
34 31
Peer7
Peer6
Peer5
Peer4
Peer3
Peer2
Peer1
BNPP
2012 2013 2014 2015 2016 2017 2018 2019 2020 20219M22 2022-2025
Stages 1&2 provisions in 2020
guidance
High level of coverage and prudence
+€710m in ex-ante provisioning of expected losses (stages 1 & 2)
in 9M22² in relation to the indirect effects of the invasion of Ukraine and
higher inflation and interest rates
73.1% coverage ratio on non-performing loans (stage 3)³
1. Sources: publications of euro zone banks: BBVA, Crédit Agricole SA, Deutsche Bank, Intesa SP, Santander, Société Générale, UniCredit; 2. +€511m in 2Q22 and +€199m in 3Q22; 3. See slide 82
BNP PARIBAS
The bank for a changing world
Third quarter 2022 results | 6View entire presentation