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

Last update: 10-02-2022