Our financial performance



Our financial performance (KBC Group, consolidated)

Balance sheet and assets under management,
end of period (in millions of EUR)
2018    2019  2020 2021 2022
Total assets 283 808 290 591 320 743 340 346 355 872
Loans and advances to customers 147 052 155 816 159 621 159 728 178 053
Securities (equity and debt instruments) 62 708 65 633 71 784 67 794 67 582
Deposits from customers and debt securities 194 291 203 369 215 430 226 093 252 746
Gross technical provisions and liabilities under
nvestment contracts, insurance
31 273 32 170 31 442 32 571 30 486
Total equity 19 633 20 222 21 530 23 077 20 807
Risk-weighted assets, group (Basel II, since 2013 Basel III) 94 875 99 071 102 111 104 646 109 981
 
Income statement (in millions of EUR) 2018 2019 2020 2021 2022
Total income 7 512 7 629 7 159 7 558 8463
Operating expenses -4 234 -4 303 -4 156 -4 396 -4818
Impairment 17 -217 -1 182 261 -284
Result after tax, group share 2 570 2 489 1 440 2 614 2 743
    Belgium 1 450 1 344 1 001 1 997 1 759
    Czech Republic 654 789 375 697 679
    International markets 533 379 199 127 441
    Group Centre -67 -23 -135 -207 -135
Basic earnings per share (in EUR) 5.98 5.85 3.34 6.15 6.46
 
KBC share 2018 2019 2020 2021 2022
Number of shares outstanding, end of period (’000) 416 156 416 395 416 695 416 884 417 169
Parent shareholders’ equity per share, end of period (in EUR) 41.4 45.0 48.1 51.8 46.3
Average share price for the financial year (in EUR) 67.4 60.8 52.8 68.3 58.9
Share price at year-end (in EUR) 56.7 67.1 57.3 75.5 60.1
Equity market capitalisation, end of period (in billions of EUR) 23.6 27.9 23.9 31.5 25.1
 
Ratios 2018 2019 2020 2021 2022
Return on equity 16% 14% 8% 13% 13%
Cost/income ratio 56% 56% 58% 58% 57%
Combined ratio, non-life insurance 88% 90% 85% 89% 89%
Credit cost ratio, banking -0.04% 0.12% 0.60% -0.18% 0.08%
Common equity ratio, group (Basel III, fully loaded, definition see annual report) 16% 17.1% 17.6% 15.5% 15.3%
Net stable funding ratio (NSFR) 136% 136% 146% 148% 136%
Liquidity coverage ratio (LCR) 139% 138% 147% 167% 152%

Newswires

Bloomberg: KBC BB
Datastream: B:KB
Reuters: KBC.BR

Last update: 29-06-2023