Third Quarter 2022 Results
CPBS - Specialised Businesses - Personal Finance - 9M22
3Q22
3Q21
3Q22/
2Q22
3Q22 /
9M22
9M21
9M22 /
3Q21
2Q22
9M21
€m
Personal Finance
Revenues
1,345
1,271
+5.8%
1,371
-1.9%
4,104
3,922
+4.7%
Operating Expenses and Dep.
-689
-644
+7.0%
-718
-4.1%
-2,183
-2,094
+4.2%
Gross Operating Income
656
627
+4.6%
653
+0.5%
1,922
1,827
+5.2%
Cost of Risk
-336
-303
+10.8%
-309
+8.9%
-960
-968
-0.8%
Operating Income
320
324
-1.1%
344
-7.1%
962
859
+11.9%
Share of Earnings of Equity-Method Entities
22
16
+34.7%
26
-15.7%
62
30
n.s.
Other Non Operating Items
-2
36
n.s.
-12
-86.2%
-14
27
n.s.
Pre-Tax Income
Cost/Income
Allocated Equity (Ebn, year to date)
340
376
-9.5%
358
-5.0%
1,010
917
+10.1%
51.2%
50.7%
+0.5 pt
52.4%
-1.2 pt
53.2%
53.4%
-0.2 pt
8.1
7.8
+3.8%
At constant scope and exchange rates vs. 9M21
•
•
•
Revenues: +1.7%, increase driven by volumes and the recovery in production, +4.7% at historical scope
and exchange rates, with the consolidation of 50% of Floa, effective 01.02.22
Operating expenses: +1.5%, increase driven by support to business development, +4.2% at historical
scope and exchange rates
Pre-tax income: +8.0%, increase driven mainly by higher GOI and the decrease in the cost of risk
BNP PARIBAS
The bank for a changing world
Third quarter 2022 results | 65View entire presentation