Investor Presentaiton
KBC
Strategic focus | What differentiates us from peers
Unique integrated
bank-insurance+ model
We offer an integrated response to our clients' banking
and insurance needs. Our organisation is similarly
integrated, operating as a single business and a
digital-first, lead-driven and Al-led bank-insurer.
Our integrated model offers our clients the benefit of a
comprehensive, one-stop, relevant and personalised
financial service that allows them to choose from a
wider, complementary and optimised range of products
and services, which go beyond pure bank-insurance.
For ourselves, it offers benefits in terms of income and
risk diversification, additional sales potential through
intensive co-operation between the bank and
insurance distribution channels, significant cost-savings
and synergies, and heightened interaction
opportunities with and a more complete
understanding of our clients.
Successful digital-first
approach through KATE
•
Our digital interaction with clients forms the
basis of our business model in our strategy, not
only in terms of sales and advice, but also in E2E
digital process and product development.
Artificial intelligence and data analysis will play
an important part in digital sales and advice.
Kate, our personal digital assistant, is featured
prominently in this regard.
The independent international consulting firm
Sia Partners named KBC Mobile one of the top
performing mobile banking app worldwide (N°1
in 2021 and N°3 in 2022): a clear recognition of a
decade of innovation, development and listening
closely to our clients.
•
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Firmly embedded
sustainability strategy
As a company that aims to support the transition to
a more sustainable and climate-proof society, we
have made sustainability integral to our overall
business strategy and integrated it into our day-
to-day business operations and the products and
services we provide.
Our sustainability strategy consists of three
cornerstones: encouraging responsible behaviour
on the part of all our employees, increasing our
positive impact on society and limiting any
adverse impact we might have. Note that the first
ever Climate Report has been published, (Limited
Assurance by external auditor)
818
NET RESULT 4Q22 | BANKING & INSURANCE*
in m EUR
17%
687
Banking
activities
of the Group Net
Insurance
141
/activities
result originates
from insurance
activities
4Q22
Difference between the net result at KBC Group and the sum of the banking and
insurance contributions is accounted for by the holding-company/group items
Highlights
KATE users
2.9m
KATE active users
1.9m
1/11
KATE
autonomy
56% 51%
BE | CZ
see new
climate
targets on
Slide 63
Profit & Loss
Capital & Liquidity
Looking forward
BU & FY22 view
Company profile
KBC Strategy
Sustainability
Asset quality
MREL & FundingView entire presentation