Cost of risk - BNP Paribas

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Cost of risk - BNP Paribas

BancWest: €123mn (+101mn/2Q07), sharp rise in

cost of risk but limited in the US environment

thanks to the quality of the portfolio

Non Performing Loans /Loans: 115bp in 2Q08

vs. 50bp in 2Q07, higher level but lower than that of

the peer group

Subprime Loans: €0.2bn as of 30.06.08

Low 30-day+ delinquency rates: First Mortgage

Loans 115pb, Home Equity Loans 72bp and

Consumer loans 114bp as at 30 June 2008

Investment portfolio: €0.2bn net exposure to

subprime, Alt-A, CMBS and related CDOs securities

Personal Finance: €274mn (+€91mn/2Q07)

Deteriorating risk, especially in Spain (+€37mn)

Effect of growth in outstandings

Equipment Solutions: €52mn (+€33mn/2Q07)

Exceptional provisions on a few transactions

International Retail Services

Cost of Risk

IRS Cost of risk

€481mn in in pre-tax income: -24.1%/2Q07

Results as at 30.06.2008 International Retail Services

17

In €mn

240

304

482

383

123

274

52

2Q07 3Q07 4Q07 1Q08 2Q08

BancWest Cost of risk

In €mn

Impairment charge on

the investment portfolio

22

73

217

131

86

Loan portfolio

provisions

101

35

66

471

123

44

79

2Q07 3Q07 4Q07 1Q08 2Q08

BancWest

Personal

Finance

Equipment

Solutions

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