 Frances BNP Paribas on Friday reported a 13.9 drop in fourth-quarter net income as the lender set aside more charges for loans that may turn sour due to the COVID-19 pandemic rattling economies worldwide. The eurozones biggest listed lender struck a more upbeat note for 2021, however, saying it expected its cost of risk, which reflects provisions for bad loans, to drop compared to 2020, as economic activity gradually picks up in the second half. 