Investor Presentaiton
KBC
Loan portfolio breakdown by IFRS 9 ECL stage
TOTAL LOAN PORTFOLIO OUTSTANDING - BY IFRS9 ECL STAGE*
in %; as % of total Group loan portfolio outstanding
19.9%
17.6%
16.4%
14.9%
13.6%
11.3%
11.5%
Stage 2
3.5%
3.3%
2.9%
2.3%
2.2%
2.0%
2.1%
Stage 3
FY19
FY20
FY21
1Q22
1H22
9M22
FY22
STAGE 3 RATIO | BELGIUM BU
in %
2.4%
2.3%
2.2%
2.1%
1.9%
1.8%
1.9%
FY19
FY20
FY21
1Q22
1H22
9M22
FY22
STAGE 3 RATIO | CZECH REPUBLIC BU
in %
2.3%
2.3%
1.8%
1.9%
1.8%
1.6%
1.7%
.
•
•
Decrease of Stage 3 portfolio is mainly related to the sale of non-performing
portfolio of Ireland
As of 2H21, the increase of the Stage 2 portfolio resulted mainly from collective
transfer to Stage 2 of Stage 1 portfolios for the impact of Covid and the Czech
interest rate increases.
In 2022, in line with strict application of the general ECB guidance on staging, an
additional exposure was transferred to Stage 2 linked to the geopolitical and
emerging risks, partly compensated in 2Q22 by the full release of the collective
transfer of Covid
Excluding these collective transfers and a model recalibration in 4Q22, no
general deterioration has been observed in our portfolio
FY19
FY20
FY21
1Q22
1H22
9M22
FY22
STAGE 3 RATIO | INTERNATIONAL MARKETS BU**
in %
8.5%
6.9%
5.7%
2.4%
2.2%
2.1%
1.9% ***
Aligned with the credit risk view of our loan portfolio as reported in the quarterly financial statements
** As of 1Q 2022, KBC Ireland has been shifted from International Markets BU to Group Centre BU. No restatements have been made
*** As of 3Q 2022, including KBC Bank Bulgaria with a Stage 3 ratio of 2.6% at FY22
FY19
FY20
FY21
1Q22
1H22
9M22
FY22
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Highlights
Profit & Loss
Capital & Liquidity Looking forward BU & FY22 view
Company profile
KBC Strategy
Sustainability
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