Our financial performance
Our financial performance (KBC Group, consolidated)
| Balance sheet and assets under management, end of period (in millions of EUR) |
2022 | 2023 |
|---|---|---|
| Total assets | 354 545 | 346 921 |
| Loans and advances to customers | 178 053 | 183 613 |
| Securities (equity and debt instruments) | 67 160 | 73 696 |
| Deposits from customers and debt securities | 252 746 | 259 491 |
| Insurance contract liabilities and liabilities under investment contracts |
28 184 | 30 245 |
| Total equity | 21 819 | 24 260 |
| Risk-weighted assets, group (fully loaded, Basel III) | 109 981 | 113 038 |
| Income statement (in millions of EUR) | 2022 | 2023 |
|---|---|---|
| Total income | 10 035 | 11 224 |
| Operating expenses | -4 805 | -5 125 |
| Impairment | -282 | -215 |
| Result after tax, group share | 2 818 | 3 402 |
| Belgium | 1 876 | 1 866 |
| Czech Republic | 653 | 763 |
| International markets | 428 | 676 |
| Group Centre | -139 | 97 |
| Basic earnings per share (in EUR) | 6.64 | 8.04 |
| KBC share | 2022 | 2023 |
|---|---|---|
| Number of shares outstanding, end of period (’000) | 417 169 | 417 306 |
| Parent shareholders’ equity per share, end of period (in EUR) | 48.7 | 53.9 |
| Average share price for the financial year (in EUR) | 58.9 | 61.6 |
| Share price at year-end (in EUR) | 60.1 | 58.7 |
| Equity market capitalisation, end of period (in billions of EUR) | 25.1 | 24.5 |
| Ratios | 2022 | 2023 |
|---|---|---|
| Return on equity | 13% | 16% |
| Cost/income ratio, excl. bank and insurance tax | 45% | 43% |
| Combined ratio, non-life insurance | 87% | 87% |
| Credit cost ratio, banking | 0.08% | 0.00% |
| Common equity ratio, group (Basel III, fully loaded, definition see annual report) | 15.3% | 15.2% |
| Net stable funding ratio (NSFR) | 136% | 136% |
| Liquidity coverage ratio (LCR) | 152% | 159% |
Newswires
Bloomberg: KBC BB
Datastream: B:KB
Reuters: KBC.BR