2018 Registration document and annual fi nancial report - BNP PARIBAS 197
4CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2018
4
Notes to the fi nancial statements
➤ INCOME BY BUSINESS SEGMENT
In millions of euros
Year to 31 Dec. 2018 IFRS 9 & IFRS 15
Year to 31 Dec. 2017 IAS 39
Revenues Operating expenses
Cost of risk
Operating income
Non-opera- ting items
Pre-tax income Revenues
Operating expenses
Cost of risk
Operating income
Non-opera- ting items
Pre-tax income
Retail Banking & Services
Domestic Markets
French Retail Banking(1) 6,035 (4,463) (286) 1,285 (1) 1,284 6,071 (4,510) (331) 1,231 1,231
BNL banca commerciale(1) 2,704 (1,752) (593) 359 (3) 356 2,822 (1,761) (870) 191 1 192
Belgian Retail Banking(1) 3,422 (2,418) (42) 961 18 980 3,499 (2,451) (64) 985 28 1,013
Other Domestic Markets activities(1) 2,972 (1,768) (123) 1,081 (17) 1,064 2,772 (1,601) (89) 1,082 42 1,124
International Financial Services
Personal Finance 5,533 (2,764) (1,186) 1,583 64 1,646 4,923 (2,427) (1,009) 1,487 120 1,607
International Retail Banking
Europe- Mediterranean(1) 2,351 (1,600) (308) 443 241 684 2,329 (1,656) (259) 414 202 616
BancWest(1) 2,585 (1,836) (82) 667 152 819 2,939 (2,001) (111) 827 3 830
Insurance 2,680 (1,406) 3 1,276 203 1,479 2,514 (1,251) 4 1,267 600 1,867
Wealth and Asset Management 3,286 (2,636) (6) 644 37 681 3,193 (2,387) 24 831 68 899
Corporate & Institutional Banking
Corporate Banking 3,951 (2,507) (31) 1,413 57 1,470 4,165 (2,430) (70) 1,665 37 1,703
Global Markets 4,727 (3,937) (19) 771 1 772 5,584 (4,255) (15) 1,315 6 1,321
Securities Services 2,152 (1,719) 7 439 439 1,955 (1,588) 3 369 1 371
Other Activities 120 (1,776) (97) (1,753) 287 (1,466) 394 (1,627) (121) (1,355) (110) (1,464)
TOTAL GROUP 42,516 (30,583) (2,764) 9,169 1,039 10,208 43,161 (29,944) (2,907) 10,310 1,000 11,310
(1) French Retail Banking, BNL banca commerciale, Belgian Retail Banking, Luxembourg Retail Banking, Europe-Mediterranean and BancWest after the reallocation within Wealth and Asset Management of one-third of the Wealth Management activities in France, Italy, Belgium, Luxembourg, Germany, Turkey and the United States.
