2020 Universal registration document and annual financial report - BNP PARIBAS152
3 2020 review of oPerations
3
Alternative Performance Measures (APM) Article 223-1 of the AMF s General regulation
In millions of euros 2020 2019
French Retail Banking (including 100% of the Private Bank in France)(1)
Revenues 5,947 6,340
Incl. Net Interest Income 3,306 3,603
Incl. Commissions 2,641 2,737
Operating Expenses and Dep. (4,490) (4,602)
Gross Operating Income 1,457 1,738
Cost of Risk (496) (329)
Operating Income 961 1,409
Non Operating Items 38 7
Pre-Tax Income 998 1,416
Income Attributable to Wealth and Asset Management (133) (143)
Pre-Tax Income of BDDF 865 1,273
Allocated Equity ( bn, year to date) 11.0 10.1
In millions of euros 2020 2019
French Retail Banking - Excluding PEL/CEL Effects (including 100% of the Private Bank in France)(1)
Revenues 5,944 6,328
Incl. Net Interest Income 3,303 3,591
Incl. Commissions 2,641 2,737
Operating Expenses and Dep. (4,490) (4,602)
Gross Operating Income 1,454 1,726
Cost of Risk (496) (329)
Operating Income 958 1,397
Non Operating Items 38 7
Pre-Tax Income 995 1,404
Income Attributable to Wealth and Asset Management (133) (143)
Pre-Tax Income of BDDF 862 1,261
Allocated Equity ( bn, year to date) 11.0 10.1
In millions of euros 2020 2019
French Retail Banking (including 2/3 of the Private Bank in France)
Revenues 5,667 6,050
Operating Expenses and Dep. (4,353) (4,461)
Gross Operating Income 1,314 1,590
Cost of Risk (487) (324)
Operating Income 827 1,266
Non Operating Items 38 7
Pre-Tax Income 865 1,273
Allocated Equity ( bn, year to date) 11.0 10.1
(1) Including 100% of Private Banking for the Revenues to pre-tax income items.
