2022 Full Year Results
€m
CPBS Specialised Businesses - 4Q22
New Digital Businesses and Personal Investors
New Digital Businesses & Personal Investors
Revenues
Operating Expenses and Dep.
Gross Operating Income
Cost of Risk
Operating Income
Share of Earnings of Equity-Method Entities
Other Non Operating Items
Pre-Tax Income
Income Attributable to Wealth and Asset Management
Pre-Tax Income of New Digital Businesses & Personal Investors
Cost/Income
Allocated Equity (Єbn, year to date; including 2/3 of Private Banking in Germany)
4Q22
4Q21
4Q22/
3Q22
4Q22/
2022
2021
2022 /
4Q21
3022
2021
228
-158
ឲ ថ。៦៩ ៦៦ ៦៩
184
+23.6%
197
+15.7%
846
-143
+10.6%
-149
+6.1%
-578
41
+68.7%
48
+45.7%
268
-1
n.s.
-23
+83.4%
-100
40
-31.1%
25
+11.1%
168
-3
-6.3%
-2
+1.6%
-10
9
-98.8%
0
-11.0%
1
47
-45.6%
23
+11.9%
159
-1
+37.8%
0
n.s.
-2
46
-46.6%
22
+9.9%
157
ཟེེཧྨ8 སྶསྶ
744 +13.7%
-513 +12.8%
-5
231 +15.9%
n.s.
226 -25.8%
-13.7%
9 -90.9%
224 -29.1%
-2
+0.1%
222
-29.4%
69.4%
77.6%
-8.2 pt
75.7%
-6.3 pt
68.3%
68.9% -0.6 pt
0.5
0.4
+40.8%
1. Including 100% of Private Banking in Germany for the Revenues to Pre-tax income line items
Revenues¹: +23.6% vs. 4Q21
•
•
Strong expansion at Nickel and consolidation of 50% Floa's contribution (reminder: consolidation effective since 01.02.22)
Decrease in Personal Investors revenues in an unfavourable market context
Operating expenses¹: +10.6% vs. 4Q21, increase driven by development and start-up costs in New Digital Businesses,
positive jaws effect (+13.0 pts)
=
Pre-tax income²: -46.6% vs. 4Q21, impact of the Floa consolidation on cost of risk
1. Including 100% of Private Banking in Germany; 2. Including 2/3 of Private Banking in Germany
BNP PARIBAS
The bank for a changing world
2022 Full Year Results | 82View entire presentation