2023

2023 Interim Results

Improved first-half 2023 results in a mixed economic climate:

  • Attributable net profit up 44.2% vs. first-half 2022 at €580 million
  • Higher net banking income, up 23.1% vs. first-half 2022 at €3,864 million, lifted by favourable market effects for CNP Assurances
  • Increased contribution of international activities to net banking income, at 15% vs. 13% in first-half 2022
  • Improved cost-income ratio at 63.8% (down 14.3 pts vs. first-half 2022), reflecting a positive jaw effect
  • Low cost of risk, at 12 bps (€101 million)
  • Increased RONE, at 8.6% vs. 5.4% at end-20221, demonstrating solid profitability.

2022

2022 Annual Results

Solid financial results in line with the strategic plan, in an uncertain environment

  • Solid financial results in 2022
  • A robust capital structure
  • Significant progress on implementing the strategic plan
  • Leadership in impact finance affirmed

2022 Interim Results

First-half 2022: Solid results reflecting strong business momentum :

  • A robust financial structure;
  • Structural milestones in the implementation of the strategic plan;
  • Confirmation of our deep-rooted position as a Citizen Bank.