KBC Group
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Our financial performance

Our financial performance (KBC Group, consolidated)

Balance sheet and assets under management

Balance sheet and assets under management, end of period (in millions of EUR) 2014 2015 2016 2017 2018
Total assets 245 174 252 356 275 200 292 342 238 808
Loans and advances to customers 123 162 127 721 132 855 140 999 147 052
Securities (equity and debt instruments) 70 359 72 623 73 262 6 743 62 708
Deposits from customers and debt securities 153 979 161 542 177 421 193 708 194 291
Gross technical provisions and liabilities under investment contracts, insurance 31 487 31 919 32 310 32 193 31 273
Total equity 16 521 15 811 17 357 18 803 19 633
Risk-weighted assets, group (Basel II, since 2013 Basel III) 91 236 89 067 87 782 92 410 94 875
Income statement
Income statement (in millions of EUR) 2014 2015 2016 2017 2018
Total income 6 720 7 148 7 211 7 700 7 512
Operating expenses -3 818 -3 890 -3 948 -4 074 -4 234
Impairment - 506 -747 - 201 30 17
Result after tax, group share 1 762 2 639 2 427 2 575 2 570
    Belgium 1 516 1 564 1 432 1 575 1 450
    Czech Republic 528 542 596 702 654
    International markets (Slov, Hung, Bulg, Irl) -182 245 428 444 533
    Group Centre -100 287 -29 -146 -67
Basic earnings per share (in EUR) 3.32 3.80 5.68 6.03 5.98
Diluted earnings per share (in EUR) 3.32 3.80 5.68 6.03 5.98
KBC share
KBC share 2014 2015 2016 2017 2018
Number of shares outstanding, end of period (’000) 417 781 418 087 418 372 418 598 416 156
Parent shareholders’ equity per share, end of period (in EUR) 31.4 34.5 38.1 41.6 41.4
Average share price for the financial year (in EUR) 43.1 56.8 51.0 66.5 67.4
Share price at year-end (in EUR) 46.5 57.7 58.8 71.1 56.7
Equity market capitalisation, end of period (in billions of EUR) 19.4 24.1 24.6 29.8 23.6
Ratios
Ratios 2014 2015 2016 2017 2018
Return on equity 14% 22% 18% 17% 16%
Cost/income ratio, banking 58% 55% 55% 54% 57.5%
Combined ratio, non-life insurance 94% 91% 93% 88% 88%
Credit cost ratio, banking 0.42% 0.23% 0.09% -0.06% -0.04%
Common equity ratio, group (Basel III, fully loaded, definition see annual report) 14.3% 14.9% 15.8% 16.3% 16%
Net stable funding ratio (NSFR) 123% 121% 125% 134% 136%
Liquidity coverage ratio (LCR) 120% 127% 139% 139% 139%
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