Investor Presentaiton
GROUP
2022 INCOME STATEMENT BY CORE BUSINESS
French Retail Banking
International Retail Banking
and Financial Services
Global Banking and Investor
Solutions
Corporate Centre
Group
In EURM
2022
2021
2022
2021
2022
2021
2022
2021
2022
2021
Net banking income
8,839
8,489
9,122
8,117
10,082
8,818
16
374
28,059
25,798
Operating expenses
(6,473)
(6,248)
(4,334)
(4,203)
(6,634)
(6,250)
(1,189)
(889)
(18,630)
(17,590)
Gross operating income
2,366
2,241
4,788
3,914
3,448
2,568
(1,173)
(515)
9,429
8,208
Net cost of risk
(483)
(125)
(705)
(504)
(421)
(65)
(38)
(6)
(1,647)
(700)
Operating income
1,883
2,116
4,083
3,410
3,027
2,503
(1,211)
(521)
7,782
7,508
Net income from com panies accounted for by the equity method
8
1
1
0
6
4
0
1
15
6
Net profits or losses from other assets
Impairment losses on goodwill
Income tax
Non controlling Interests
Group net income
Average allocated capital**
Group ROE (after tax)
57
23
11
18
6
(9)
(3,364)
603
(3,290)
635
0
0
0
0
0
0
0
(114)
0
(114)
(504)
(592)
(996)
(840)
(576)
(452)
516
187
(1,560)
(1,697)
(1)
(2)
723
506
36
28
171
165
929
697
1,445
1,550
2,376
2,082
2,427
2,018
(4,230)
(9)
2,018
5,641
12,417
12,009
10,619
10,246
14,916
14,055
17,213*
16,323*
55,164
52,634
2.6%
9.6%
* Calculated as the difference between total group capital and capital allocated to the core businesses
** Amounts restated compared with the financial data published in Q4 21
NB: Amounts restated in Q1 22 to take into account the transfer of Private Banking activities (French and international) to the French Retail Banking. Includes other activities transferred after the disposal of Lyxor
SOCIETE
GENERALE
4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023View entire presentation