BNP Paribas Fortis First Half Year Results 2019

SUSTAINED BUSINESS ACTIVITY

CONTINUED GROWTH OF CUSTOMER LOANS AND DEPOSITS

CUSTOMER LOANS^[1] AT EUR 202 BILLION, +2.9%* vs. 31.12.2018

CUSTOMER DEPOSITS^[2] AT EUR 182 BILLION, +4.7%* vs. 31.12.2018

COMMITTED TO THE BELGIAN ECONOMY
​CUSTOMER LOANS AT EUR 109 BILLION,
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ +4.4% vs. 30.06.2018, +3.2% vs. 31.12.2018

CUSTOMER DEPOSITS AT EUR 129 BILLION,
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ +4.7% vs. 30.06.2018, +3.6% vs. 31.12.2018

OVERALL GOOD RESULTS WITH A NET INCOME AT EUR 1,050 MILLION

REVENUES: EUR 4,014 MILLION, +3.7%* vs. 1H 2018
​LOWER REVENUES IN BELGIUM
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ GROWING REVENUES IN OTHER BUSINESS LINES

COSTS: EUR 2,517 MILLION, +0.5%* vs. 1H 2018
​STRICT COST MANAGEMENT IN BELGIUM
​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONTROLLED COSTS INCREASE IN THE OTHER BUSINESS LINES

LOW COST OF RISK AT 23bp

PRE-TAX INCOME: EUR 1,539 MILLION, +0.8%* vs. 1H 2018

NET INCOME: EUR 1,050 MILLION, +5.0%* vs. 1H 2018

STRONG FINANCIAL STRUCTURE

COMMON EQUITY TIER 1 RATIO OF 13.3%

LIQUIDITY COVERAGE RATIO OF 120%^[3]