2022 Full Year Results
Cost of risk-2022 (1/2)
Cost of risk/Customer loans outstanding at the beginning of the period (in bps)
CPBF1
17
25
21
11
2019 2020 2021
2022
BNL bc1
64
69
62
58
.
2019 2020 2021
2022
CPBB1
5
19
8 3
2019 2020 2021 2022
•
•
.
•
€237m (-€204m vs. 2021)
Decrease of cost of risk on
non-performing loans²
Strong release of provisions
(stages 1 & 2) due to a
change in method in 4Q22
(-€163m)³
• €465m (-€22m vs. 2021)
• Low cost of risk with a
decrease in provisions on
non-performing loans²
2021 Reminder: Release of
provisions (stages 1 & 2)
• €36m (-€63m vs. 2021)
Very low cost of risk with a
decrease in provisions on
non-performing loans²
Europe-Mediterranean¹
98
111
39
41
2019 2020 2021 2022
BancWest¹
58
27
-9
2019
2020 2021
-7
2022
• €153m (+€9m vs. 2021)
• Low cost of risk with a
decrease in provisions on
non-performing loans²
• -€39m (+€6m vs. 2021)
• Release of provisions
(stages 1 & 2) particularly
in 1Q22
1. Including 100% of Private Banking; 2. Stage 3; 3. To align with specific European standards
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 14
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