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SOLID BUSINESS GROWTH SUPPORTED BY ALL CONSOLIDATED ACTIVITIES
CUSTOMER LOANS[1] AT EUR 244 BILLION, +9.0%* vs. 31.12.2021
CUSTOMER DEPOSITS[2] AT EUR 213 BILLION, +2.2%* vs. 31.12.2021
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STRONG SUPPORT TO THE BELGIAN ECONOMY
EUR 40.4 BILLION (+1.6%*) OF LOANS PRODUCTION[3]
EUR 152.2 BILLION (+7.1%*) OF LOANS PORTFOLIO[4]
EUR 86.2 BILLION (-10.0%*) OF OFF BALANCE SHEET ASSETS UNDER MANAGEMENT[5]
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REVENUES: EUR 9,642 MILLION, +17.1%* vs. 2021 STRONG GROWTH IN REVENUES SUPPORTED BY ALMOST ALL ACTIVITIES COSTS: EUR 5,072 MILLION, +11.2%* vs. 2021 COST INCREASE TO SUPPORT THE BUSINESS DEVELOPMENT IMPACTED BY INFLATION
GROSS OPERATING INCOME: EUR 4,570 MILLION, +24.3%* vs. 2021
STRONG OPERATIONAL PERFORMANCE AND POSITIVE JAWS EFFECT
COST OF RISK: EUR 328 MILLION, -3bp[6] vs. 2021
PRUDENT RISK PROFILE REFLECTED IN A LOW COST OF RISK AT 14bp6
PRE-TAX INCOME: EUR 4,835 MILLION, +25.1%* vs. 2021
NET INCOME : EUR 3,161 MILLION, +18.8%* vs. 2021
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VERY SOLID FINANCIAL STRUCTURE COMMON EQUITY TIER 1 RATIO OF 17.2% LIQUIDITY COVERAGE RATIO OF 126%[7]
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* Excluding retreated items (RI), i.e. at constant scope, constant exchange rates and excluding other one-off results.
[1] Loans and receivables due from customers excluding securities and reverse repos and including Arval’s rental fleet.
[2] Amounts due to customers excl. repurchase agreements (‘repos’).
[3] Including Belgian subsidiaries (excluding the Arval’s rental fleet in Belgium).
[4] Including Belgian subsidiaries (including the Arval’s rental fleet in Belgium).
[5] Commercial & Personal Banking in Belgium (CPB BE) scope, excluding Assets under Administration (AuA).
[6] Cost of risk on average outstanding loans over the period.
[7] On a non-consolidated basis.
