Investor Presentaiton
Cost of risk - 2021 (2/2)
Cost of risk vs. Customer loans outstanding at the beginning of the period (in annualised bps)
FRB
16
17
25
21
2018 2019 2020 2021
BNL bc
75
64
69
62
2018 2019
2020
2021
BRB
4 5
19
8
2018 2019 2020 2021
•
€441m (-€55m vs. 2020)
• Cost of risk at a low level
€487m (-€38m vs. 2020)
Releases of provisions on
performing loans¹ and a
limited number of new
defaults
€99m (-€130m vs. 2020)
• Very low cost of risk
Europe Mediterranean
82
98 111
39
2018 2019 2020 2021
BancWest
58
14
27
-9
2018 2019 2020 2021
Personal Finance
212
141
145
141
2018 2019 2020 2021
• €144m (-€292m vs. 2020)
Strong decrease in the cost
of risk
.
• -€45m (-€368m vs. 2020)
Releases of provisions on
performing loans¹ and low
level of provisioning on non-
performing loans²
• €1,314m (-683m vs. 2020)
Cost of risk at a low level
• Reminder from 2020: impacts
of provisions on performing
loans and of the new
definition of default (4Q20)
1. Stages 1 & 2; 2. Stage 3
BNP PARIBAS
The bank for a changing world
2021 Full Year Results | 11View entire presentation