2nd Quarter and 1st Half 2022 Results
LOW COST OF RISK
_Cost of risk (in bp)
H121
Q2 21
Q3 21
Q4 21
Q1 22
Q2 22
H122
NON-PERFORMING LOANS RATIO(2)
39
JUN 19
JUN 20
JUN 21
DEC 21
MAR 22 JUN 22
GROUP
16
27
11
15
6
15
FRENCH RETAIL BANKING
INTERNATIONAL RETAIL
20
12
8
1
1
-3
3
40
37
43
28
•
92
22
60
28
3.2%
3.2%
3.1%
2.9%
2.9%
2.8%
Gross coverage ratio: 50% at end-June 22
45
30
GLOBAL BANKING AND INVESTOR
SOLUTIONS
3
4
12
1
16
BANKING AND FINANCIAL
SERVICES
2022 Cost of risk confirmed between 30-35 bps
2ND QUARTER AND 1ST HALF 2022 RESULTS |3 AUGUST 2022
(1) Calculated based on Gross loans outstanding at the beginning of period (annualised)
(2) According to new EBA methodology published on 16 July 2019. The NPL rate calculation was modified in order to exclude the net accounting value of the tangible assets for operating lease from the gross exposure in the denominator. Historical data restated (see Supplement)
SOCIETE
GENERALEView entire presentation