Our financial performance
The consolidated financial statements of KBC Group have been prepared in accordance with the IFRS Accounting Standards as adopted by the European Union (‘endorsed IFRS’).
Our financial performance (KBC Group, consolidated)
| Balance sheet and assets under management, end of period (in millions of EUR) | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 354 545 | 346 921 | 373 048 | 397 372 |
| Loans and advances to customers | 178 053 | 183 613 | 192 067 | 208 612 |
| Securities (equity and debt instruments) | 67 160 | 73 696 | 80 338 | 88 980 |
| Deposits from customers and debt securities | 252 746 | 259 491 | 271 087 | 288 769 |
| Insurance contract liabilities and liabilities under investment contracts | 28 184 | 30 245 | 32 782 | 34 421 |
| Total equity | 21 819 | 24 260 | 24 311 | 27 985 |
| Risk-weighted assets, group (fully loaded, definition in the annual report) | 109 981 | 113 038 | 119 945 | 129 455 |
| Income statement (in millions of EUR) | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total income | 10 035 | 11 224 | 11 167 | 12 200 |
| Operating expenses | -4 805 | -5 125 | -5 097 | -5 265 |
| Impairment | -282 | -215 | -248 | -334 |
| Result after tax, group share | 2 818 | 3 402 | 3 415 | 3 568 |
| Belgium | 1 876 | 1 866 | 1 846 | 2 151 |
| Czech Republic | 653 | 763 | 858 | 922 |
| International markets | 428 | 676 | 751 | 814 |
| Group Centre | -139 | 97 | -40 | -318 |
| Basic earnings per share (in EUR) | 6.64 | 8.04 | 8.33 | 8.70 |
| KBC share | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Number of shares outstanding, end of period (’000) | 417 169 | 417 306 | 417 544 | 417 663 |
| Parent shareholders’ equity per share, end of period (in EUR) | 48.7 | 53.9 | 56.6 | 64.0 |
| Average share price for the financial year (in EUR) | 58.9 | 61.8 | 67.5 | 91.4 |
| Share price at year-end (in EUR) | 60.1 | 58.7 | 74.5 | 111.3 |
| Equity market capitalisation, end of period (in billions of EUR) | 25.1 | 24.5 | 31.1 | 46.5 |
| Ratios | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Return on equity | 13% | 15% | 14% | 15% |
| Cost/income ratio, excl. bank and insurance tax | 45% | 43% | 43% | 41% |
| Combined ratio, non-life insurance | 87% | 87% | 90% | 87% |
| Credit cost ratio, banking | 0.08% | 0.00% | 0.10% | 0.13% |
| Common equity ratio, group (fully loaded, definition see annual report) | 15.3% | 15.2% | 15.0% | 14.9% |
| Net stable funding ratio (NSFR) | 136% | 136% | 139% | 138% |
| Liquidity coverage ratio (LCR) | 152% | 159% | 158% | 159% |
Newswires
Bloomberg: KBC BB
Datastream: B:KB
Reuters: KBC.BR