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) 2012 2013 2014 2015 2016
Total assets 256 928 238 686 245 174 252 356 275 200
Loans and advances to customers 128 492 120 371 124 551 128 223 133 231
Securities (equity and debt instruments) 67 295 64 904 70 359 72 623 73 262
Deposits from customers and debt securities 159 632 161 135 161 783 170 109 177 730
Gross technical provisions and liabilities under investment contracts, insurance 30 058 30 488 31 487 31 919 32 310
Total equity 15 879 14 514 16 521 15 811 17 357
Risk-weighted assets, group (Basel II, since 2013 Basel III) 102 148 91 216 91 236 89 067 87 782
Assets under management 155 216 162 977 185 704 208 807 213 123
Income statement
Income statement (in millions of EUR) 2012 2013 2014 2015 2016
Total income 7 733 7 448 6 720 7 148 7 211
Operating expenses -4 248 -3 843 -3 818 -3 890 -3 948
Impairment -2 511 -1 927 - 506 -747 - 201
Result after tax, group share 612 1 015 1 762 2 639 2 427
    Belgium 1 360 1 570 1 516 1 564 1 432
    Czech Republic 581 554 528 542 596
    International markets (Slov, Hung, Bulg, Irl) -260 -853 -182 245 428
    Group Centre -1 069 -256 -100 287 -29
Basic earnings per share (in EUR) -1.09 1.03 3.32 3.80 5.68
Diluted earnings per share (in EUR) -1.09 1.03 3.32 3.80 5.68
KBC share
KBC share 2012 2013 2014 2015 2016
Number of shares outstanding, end of period (’000) 416 967 417 364 417 781 418 087 418 372
Parent shareholders’ equity per share, end of period (in EUR) 29.0 28.3 31.4 34.5 38.1
Average share price for the financial year (in EUR) 17.3 32.8 43.1 56.8 51.0
Share price at year-end (in EUR) 26.2 41.3 46.5 57.7 58.8
Equity market capitalisation, end of period (in billions of EUR) 10.9 17.2 19.4 24.1 24.6
Ratios
Ratios 2012 2013 2014 2015 2016
Return on equity 1% 9% 14% 22% 18%
Cost/income ratio, banking 64% 52% 58% 55% 55%
Combined ratio, non-life insurance 95% 94% 94% 91% 93%
Credit cost ratio, banking 0.71% 1.21% 0.42% 0.23% 0.09%
Common equity ratio, group (Basel III, fully loaded, definition see annual report) 10.5% 12.8% 14.3% 14.9% 15.8%
Net stable funding ratio (NSFR) 105% 111% 123% 121% 125%
Liquidity coverage ratio (LCR) 107% 131% 120% 127% 139%
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