Investor Presentaiton
KBC
Company profile KBC Group in a nutshell (2)
C/I ratio*
54% | FY22
55% | FY21
high profitability
Combined
ratio
89% FY22
89% | FY21
Net result
2,864m | FY22
2,614m | FY21
solid capital position
CET1 RATIO (FULLY LOADED, DANISH COMPROMISE)
in %
46
of 74
17.1%
17.6%
15.8%
16.3%
16.0%
15.5%
15.4%
*
Adjusted for specific items
RETURN ON EQUITY
in %
18%
17%
16%
14%
15%
14%
8%
2016
2017
2018
2019
2020*
2021**
2022
11% when adjusted for the collective covid impairments
when excluding the one-off items due to the pending sales transactions in Ireland
CET1 GENERATION BEFORE ANY DEPLOYMENT
in bps
277
279
271
251
250
260
141
2016
2017
2018
2019
2020*
2021
2022
202bps when adjusted for the collective covid-19 impairments
Highlights
11.31% Overall Capital Requirement (OCR)
FY16
FY17
FY18
FY19
FY20
FY21
FY22
robust liquidity
NSFR
LCR
136% | FY22
152% | FY22
148% | FY21
167% | FY21
Profit & Loss
Capital & Liquidity
Looking forward
BU & FY22 view
Company profile
KBC Strategy
Sustainability
Asset quality
MREL & FundingView entire presentation