Our financial performance
Our financial performance (KBC Group, consolidated)
| Balance sheet and assets under management, end of period (in millions of EUR) |
2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|
| Total assets | 292 342 | 283 808 | 290 591 | 320 743 | 340 346 |
| Loans and advances to customers | 140 999 | 147 052 | 155 816 | 159 621 | 159 728 |
| Securities (equity and debt instruments) | 67 743 | 62 708 | 65 633 | 71 784 | 67 794 |
| Deposits from customers and debt securities | 193 708 | 194 291 | 203 369 | 215 430 | 226 093 |
| Gross technical provisions and liabilities under nvestment contracts, insurance |
32 193 | 31 273 | 32 170 | 31 442 | 32 571 |
| Total equity | 18 803 | 19 633 | 20 222 | 21 530 | 23 077 |
| Risk-weighted assets, group (Basel II, since 2013 Basel III) | 92 410 | 94 875 | 99 071 | 102 111 | 104 646 |
| Income statement (in millions of EUR) | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|
| Total income | 7 700 | 7 512 | 7 629 | 7 159 | 7 558 |
| Operating expenses | -4 074 | -4 234 | -4 303 | -4 156 | -4 396 |
| Impairment | 30 | 17 | -217 | -1 182 | 261 |
| Result after tax, group share | 2 575 | 2 570 | 2 489 | 1 440 | 2 614 |
| Belgium | 1 575 | 1 450 | 1 344 | 1 001 | 1 997 |
| Czech Republic | 702 | 654 | 789 | 375 | 697 |
| International markets (Slov, Hung, Bulg, Irl) | 444 | 533 | 379 | 199 | 127 |
| Group Centre | -146 | -67 | -23 | -135 | -207 |
| Basic earnings per share (in EUR) | 6.03 | 5.98 | 5.85 | 3.34 | 6.15 |
| Diluted earnings per share (in EUR) | 6.03 | 5.98 | 5.85 | 3.34 | 6.15 |
| KBC share | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|
| Number of shares outstanding, end of period (’000) | 418 598 | 416 156 | 416 395 | 416 695 | 416 884 |
| Parent shareholders’ equity per share, end of period (in EUR) | 41.6 | 41.4 | 45.0 | 48.1 | 51.8 |
| Average share price for the financial year (in EUR) | 66.5 | 67.4 | 60.8 | 52.8 | 68.3 |
| Share price at year-end (in EUR) | 71.1 | 56.7 | 67.1 | 57.3 | 75.5 |
| Equity market capitalisation, end of period (in billions of EUR) | 29.8 | 23.6 | 27.9 | 23.9 | 31.5 |
| Ratios | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|
| Return on equity | 17% | 16% | 14% | 8% | 13% |
| Cost/income ratio, banking | 53% | 56% | 56% | 58% | 58% |
| Combined ratio, non-life insurance | 88% | 88% | 90% | 85% | 89% |
| Credit cost ratio, banking | -0.06% | -0.04% | 0.12% | 0.60% | -0.18% |
| Common equity ratio, group (Basel III, fully loaded, definition see annual report) | 16.3% | 16% | 17.1% | 17.6% | 15.5% |
| Net stable funding ratio (NSFR) | 134% | 136% | 136% | 146% | 148% |
| Liquidity coverage ratio (LCR) | 139% | 139% | 138% | 147% | 167% |
Newswires
Bloomberg: KBC BB
Datastream: B:KB
Reuters: KBC.BR