2022 Full Year Results
Commercial, Personal Banking & Services - 4Q22
4022
4Q21
4Q22/
3Q22
4Q22/
2022
2021
2022/
4021
3Q22
2021
€m
Commercial, Personal Banking & Services
Revenues
Operating Expenses and Dep.
Gross Operating Income
Cost of Risk
Operating Income
Share of Earnings of Equity-Method Entities
Other Non Operating Items
Pre-Tax Income
Income Attributable to Wealth and Asset Management
Pre-Tax Income of Commercial, Personal Banking & Services
Cost/Income
7,028
6,506
+8.0%
7,110
-1.1%
-4,487
-4,252
+5.5%
-4,330
28,301 25,888 +9.3%
+3.6% -17,928 -16,909 +6.0%
2,542
2,253
+12.8%
2,780
-8.6%
10,373
8,979 +15.5%
-676
-597
+13.3%
-730
-7.4%
-2,452
-2,598
-5.6%
1,866
1,657
+12.6%
2,050
-9.0%
7,920
6,381
+24.1%
69
70
-1.4%
120
-42.5%
433
287
+50.9%
-62
-5
n.s.
5
n.s.
-19
53
n.s.
1,873
1,722
+8.8%
2,175
-13.9%
8,334
6,721
+24.0%
-103
-74
+40.7%
-83
+24.6%
-334
-275
+21.6%
1,770
1,648
+7.3%
2,092
-15.4%
8,000
6,446
+24.1%
63.8%
65.4%
-1.6 pt
60.9%
+2.9 pt
63.3%
65.3%
-2.0 pt
Allocated Equity (Єbn, year to date; including 2/3 of Private Banking in France, Belgium, Italy, Luxembourg, Poland, Türkiye, the United States and Germany)
47.4
43.3
+9.4%
1. Including 100% of Private Banking in France, Belgium, Italy, Luxembourg, Poland, Türkiye, the United States and Germany for the Revenues to Pre-tax income line items
Revenues: +8.0% vs. 4Q21
•
Strong performance in Commercial & Personal Banking, driven by the increase in net interest income
Very strong increase at Specialised Businesses (Arval in particular)
Operating expenses: +5.5% vs. 4Q21, increase driven by the growth in business activity and scope effects in
Commercial & Personal Banking and Specialised Businesses - very positive jaws effect (+2.5 pts)
Pre-tax income: +7.3% vs. 4Q21
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 65View entire presentation