KBC Group
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Key financial information and targets

key figures group key figures per business unit

Belgium Business Unit

Income statement (in millions of EUR) FY 2015 FY 2016 FY 2017 FY 2018

Key figures Business Unit Belgium

Net interest income 2 819 2 701 2 394 2 576
Non-life insurance (before reinsurance) 460 440 526 527
     Earned premiums 989 1 012 1 043 1 070
     Technical charges -530 -572 -516 -543
Life insurance (before reinsurance) -243 -208 -132 -110
     Earned premiums 969 1 217 927 998
     Technical charges -1 212 -1 425 -1 059 -1 108
Ceded reinsurance result -20 -12 -15 -26
Dividend income 65 61 52 74
Net result from financial instruments at fair value through profit or loss 162 329 539 101
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI 149 90 123 0
Net fee and commission income 1 280 1 070 1 290 1 182
Other net income 207 208 174 225
TOTAL INCOME 4 878 4 680 4 953 4 549
Operating expenses -2 373 -2 432 -2 452 -2 484
Impairment -222 -179 -116 -93
Share in results of associated companies and joint ventures -1 0 -13 -8
RESULT BEFORE TAX 2 282 2 070 2 372 1 963
Income tax expense -717 -637 -797 -513
Net post-tax result from discontinued operations 0 0 0 0
RESULT AFTER TAX 1 565 1 433 1 575 1 450
     attributable to minority interests 0 0 0 0
    attributable to equity holders of the parent 1 564 1 432 1 575 1 450

 

Czech republic Business Unit

Key figures Czech republic
Income statement (in millions of EUR) FY 2015 FY 2016 FY 2017 FY 2018
Net interest income 845 849 888 1 043
Non-life insurance (before reinsurance) 80 78 86 103
     Earned premiums 177 190 216 248
     Technical charges -96 -112 -130 -145
Life insurance (before reinsurance) 26 36 48 58
     Earned premiums 243 271 260 260
     Technical charges -216 -234 -212 -202
Ceded reinsurance result -8 -4 -4 -8
Dividend income 0 0 0 1
Net result from financial instruments at fair value through profit or loss 98 117 222 72
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI 12 48 17 0
Net fee and commission income 201 191 192 257
Other net income 23 18 40 14
TOTAL INCOME 1 277 1 333 1 490 1 540
Operating expenses -617 -608 -646 -729
Impairment -42 -24 -24 -42
Share in results of associated companies and joint ventures 23 23 21 19
RESULT BEFORE TAX 640 724 842 788
Income tax expense -98 -128 -140 -134
Net post-tax result from discontinued operations 0 0 0 0
RESULT AFTER TAX 542 596 702 654
     attributable to minority interests 0 0 0 0
     attributable to equity holders of the parent 542 596 702 654

 

International Markets Business Unit

Income statement (in millions of EUR) FY 2015 FY 2016 FY 2017 FY 2018

Key figures International Markets

Net interest income 711 740 837 896
Non-life insurance (before reinsurance) 81 91 83 117
     Earned premiums 169 198 224 254
     Technical charges -88 -107 -141 -137
Life insurance (before reinsurance) 16 20 25 34
     Earned premiums 90 89 85 101
     Technical charges -73 -69 -60 -67
Ceded reinsurance result -6 -6 9 -11
Dividend income 0 0 1 0
Net result from financial instruments at fair value through profit or loss 76 89 95 74
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI 6 38 3 0
Net fee and commission income 206 201 232 284
Other net income 50 -1 -112 17
TOTAL INCOME 1 141 1 173 1 173 1 412
Operating expenses -752 -750 -837 -909
Impairment -84 34 190 118
Share in results of associated companies and joint ventures 0 0 4 5
RESULT BEFORE TAX 305 457 529 626
Income tax expense -60 -29 -85 -93
Net post-tax result from discontinued operations 0 0 0 0
RESULT AFTER TAX 245 428 444 533
     attributable to minority interests 0 0 0 0
     attributable to equity holders of the parent 245 428 444 533

 

Last update: 
group guidance