Belgium Business Unit
| Income statement (in millions of EUR) | FY 2022 | FY 2023 |
|---|---|---|
| Net interest income | 2 827 | 3 248 |
| Insurance revenues before reinsurance | 1 507 | 1 637 |
| Dividend income | 54 | 53 |
| Net result from financial instruments at fair value through profit or loss | 57 | -22 |
| Net fee and commission income | 1 512 | 1 537 |
| Insurance finance income and expense | -131 | -175 |
| Other net income | 213 | 235 |
| TOTAL INCOME | 6 039 | 6 512 |
| Operating expenses (excl. directly attributable from insurance) |
-2 360 | -2 532 |
| Insurance service expenses before reinsurance | -1 174 | -1 285 |
| Net result from reinsuance contracts held | 21 | -63 |
| Impairment | -46 | -114 |
| Share in results of associated companies and joint ventures | -9 | -3 |
| RESULT BEFORE TAX | 2 472 | 2 515 |
| Income tax expense | -596 | -650 |
| RESULT AFTER TAX | 1 876 | 1 865 |
| attributable to minority interests | 0 | -1 |
| attributable to equity holders of the parent | 1 876 | 1 866 |
Czech republic Business Unit
| Income statement (in millions of EUR) | FY 2022 | FY 2023 |
|---|---|---|
| Net interest income | 1 313 | 1 271 |
| Insurance revenues before reinsurance |
488 | 555 |
| Dividend income | 1 | 0 |
| Net result from financial instruments at fair value through profit or loss | 133 | 132 |
| Net fee and commission income | 282 | 324 |
| Insurance finance income and expense | -10 | -68 |
| Other net income | -185 | 5 |
| TOTAL INCOME | 2 023 | 2 220 |
| Operating expenses (excl. directly attributable from insurance | -815 | -865 |
| Insurance service expenses before reinsurance | -378 | -420 |
| Net result from reinsuance contracts held | -6 | -16 |
| Impairment | -60 | -57 |
| Share in results of associated companies and joint ventures | -1 | -1 |
| RESULT BEFORE TAX | 762 | 860 |
| Income tax expense | -109 | -97 |
| RESULT AFTER TAX | 653 | 763 |
| attributable to minority interests | 0 | 0 |
| attributable to equity holders of the parent | 653 | 763 |
International Markets Business Unit
| Income statement (in millions of EUR) | FY 2022 | FY 2023 |
|---|---|---|
| Net interest income | 888 | 1 179 |
| Insurance revenues before reinsurance | 412 | 473 |
| Dividend income | 1 | 1 |
| Net result from financial instruments at fair value through profit or loss | 70 | 125 |
| Net fee and commission income | 429 | 493 |
| Insurance finance income and expense | 45 | -70 |
| Other net income | -7 | 15 |
| TOTAL INCOME | 1 837 | 2 216 |
| Operating expenses (excl. directly attributable from insurance) |
-816 | -962 |
| Insurance service expenses before reinsurance | -347 | -414 |
| Net result from reinsuance contracts held | -14 | -15 |
| Impairment | -152 | -36 |
| Share in results of associated companies and joint ventures | 0 | 0 |
| RESULT BEFORE TAX | 509 | 789 |
| Income tax expense | -81 | -112 |
| RESULT AFTER TAX | 428 | 676 |
| attributable to minority interests | 0 | 0 |
| attributable to equity holders of the parent | 428 | 676 |
Last update: 12-02-2024