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) 2013 2014 2015 2016 2017
Total assets 238 686 245 174 252 356 275 200 292 342
Loans and advances to customers 120 371 124 551 128 223 133 231 141 502
Securities (equity and debt instruments) 64 904 70 359 72 623 73 262 6 743
Deposits from customers and debt securities 161 135 161 783 170 109 177 730 193 968
Gross technical provisions and liabilities under investment contracts, insurance 30 488 31 487 31 919 32 310 32 193
Total equity 14 514 16 521 15 811 17 357 18 803
Risk-weighted assets, group (Basel II, since 2013 Basel III) 91 216 91 236 89 067 87 782 92 410
Assets under management 162 977 185 704 208 807 213 123 219 169
Income statement
Income statement (in millions of EUR) 2013 2014 2015 2016 2017
Total income 7 448 6 720 7 148 7 211 7 700
Operating expenses -3 843 -3 818 -3 890 -3 948 -4 074
Impairment -1 927 - 506 -747 - 201 30
Result after tax, group share 1 015 1 762 2 639 2 427 2 575
    Belgium 1 570 1 516 1 564 1 432 1 575
    Czech Republic 554 528 542 596 702
    International markets (Slov, Hung, Bulg, Irl) -853 -182 245 428 444
    Group Centre -256 -100 287 -29 -146
Basic earnings per share (in EUR) 1.03 3.32 3.80 5.68 6.03
Diluted earnings per share (in EUR) 1.03 3.32 3.80 5.68 6.03
KBC share
KBC share 2013 2014 2015 2016 2017
Number of shares outstanding, end of period (’000) 417 364 417 781 418 087 418 372 418 598
Parent shareholders’ equity per share, end of period (in EUR) 28.3 31.4 34.5 38.1 41.6
Average share price for the financial year (in EUR) 32.8 43.1 56.8 51.0 66.5
Share price at year-end (in EUR) 41.3 46.5 57.7 58.8 71.1
Equity market capitalisation, end of period (in billions of EUR) 17.2 19.4 24.1 24.6 29.8
Ratios
Ratios 2013 2014 2015 2016 2017
Return on equity 9% 14% 22% 18% 17%
Cost/income ratio, banking 52% 58% 55% 55% 54%
Combined ratio, non-life insurance 94% 94% 91% 93% 88%
Credit cost ratio, banking 1.21% 0.42% 0.23% 0.09% -0.06%
Common equity ratio, group (Basel III, fully loaded, definition see annual report) 12.8% 14.3% 14.9% 15.8% 16.3%
Net stable funding ratio (NSFR) 111% 123% 121% 125% 134%
Liquidity coverage ratio (LCR) 131% 120% 127% 139% 139%
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