142 2019 Universal registration document and annual financial report - BNP PARIBAS
3 2019 review of oPerations
3
Alternative Performance Measures (APM) Article 223-1 of the AMF s General regulation
m 2019 2018
French Retail Banking (including 100% of Private Banking in France)(1)
Revenues 6,340 6,331
Incl. Net Interest Income 3,603 3,568
Incl. Commissions 2,737 2,763
Operating Expenses and Dep. (4,602) (4,609)
Gross Operating Income 1,738 1,722
Cost of Risk (329) (288)
Operating Income 1,409 1,434
Non Operating Items 7 (1)
Pre-Tax Income 1,416 1,432
Income Attributable to Wealth and Asset Management (143) (148)
Pre-Tax Income of BDDF 1,273 1,284
Allocated Equity ( bn, year to date) 10.1 9.6
(1) Including 100% of Private Banking for the Revenues to Pre-tax income items.
m 2019 2018
French Retail Banking (including 100% of Private Banking in France)(1) Excluding PEL/CEL Effects
Revenues 6,328 6,311
Incl. Net Interest Income 3,591 3,548
Incl. Commissions 2,737 2,763
Operating Expenses and Dep. (4,602) (4,609)
Gross Operating Income 1,726 1,701
Cost of Risk (329) (288)
Operating Income 1,397 1,413
Non Operating Items 7 (1)
Pre-Tax Income 1,404 1,412
Income Attributable to Wealth and Asset Management (143) (148)
Pre-Tax Income of BDDF 1,261 1,263
Allocated Equity ( bn, year to date) 10.1 9.6
(1) Including 100% of Private Banking for the Revenues to Pre-tax income items.
m 2019 2018
French Retail Banking (including 2/3 of Private Banking in France)
Revenues 6,050 6,035
Operating Expenses and Dep. (4,461) (4,463)
Gross Operating Income 1,590 1,571
Cost of Risk (324) (286)
Operating Income 1,266 1,285
Non Operating Items 7 (1)
Pre-Tax Income 1,273 1,284
Allocated Equity ( bn, year to date) 10.1 9.6
