KBC GROEP financials
KBC GROEP
Country: BE Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
213800X3Q9LSAKRUWY91 Financial statements
(EUR, as reported — unscaled; 148 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | €12.20B | €11.17B |
| Other income | €230.0M | €181.0M |
| Operating expenses | €4.71B | €4.57B |
| Profit before tax | €4.58B | €3.94B |
| Income tax expense | €1.01B | €527.0M |
| Profit for the year | €3.57B | €3.41B |
| — attributable to owners | €3.57B | €3.42B |
| — attributable to NCI | €1.0M | -€1.0M |
| Total comprehensive income | €4.71B | €3.29B |
| Per share | ||
| Basic EPS | €8.70 | €8.33 |
| Diluted EPS | €8.70 | €8.33 |
| Free cash flow / share | €7.93 | €21.60 |
| Cash flow statement | ||
| Net cash from operating activities | €4.20B | €9.85B |
| Net cash from investing activities | -€2.15B | -€86.0M |
| Purchase of PP&E (capex) | €945.0M | €995.0M |
| Purchase of intangibles | €431.0M | €387.0M |
| Net cash from financing activities | -€1.64B | -€1.69B |
| Dividends paid | €1.65B | €1.94B |
| Balance sheet | ||
| Total assets | €397.37B | €373.05B |
| Intangible assets & goodwill | €2.70B | €2.48B |
| Cash & equivalents | €62.82B | €61.41B |
| Total equity | €27.98B | €24.31B |
| — attributable to owners | €25.40B | €22.45B |
| Non-controlling interests | €81.0M | €0 |
| Deferred tax liabilities | €524.0M | €349.0M |
| Derived metrics | ||
| Free cash flow | €3.26B | €8.85B |
| Net margin | 29.3% | 30.6% |
| Return on equity | 12.8% | 14.0% |
| Cash conversion ratio | 1.18× | 2.88× |
| Capex coverage | 4.45× | 9.90× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€2.68B | -€1.93B |
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Liabilities | -€288.0M | -€386.0M |
| Adjustments For Decrease Increase In Derivative Financial Assets | €57.0M | €23.0M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€4.28B | -€5.67B |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Profit Or Loss | -€3.08B | -€4.69B |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances | €272.0M | €201.0M |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | €613.0M | -€92.0M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | €98.0M | -€1.35B |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Amortised Cost | €19.60B | €24.49B |
| Adjustments For Increase Decrease In Financial Liabilities Measured At Fair Value Through Profit Or Loss | €1.40B | €836.0M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €6.0M | €80.0M |
| Cash and Cash Equivalents Classified As Part of Disposal Group Held For Sale | €0 | €0 |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €40.0M | €0 |
| Cash Flows From Used In Operations Before Changes In Working Capital | €5.96B | €4.86B |
| Changes In Equity | €3.67B | €93.0M |
| Comprehensive Income Attributable To Noncontrolling Interests | €3.0M | -€1.0M |
| Comprehensive Income Attributable To Owners of Parent | €4.71B | €3.29B |
| Current Tax Assets | €68.0M | €59.0M |
| Current Tax Liabilities | €113.0M | €121.0M |
| Deferred Tax Assets | €530.0M | €942.0M |
| Deposits From Banks | €3.25B | €6.46B |
| Derivative Financial Assets Held For Hedging | €215.0M | €271.0M |
| Derivative Financial Liabilities Held For Hedging | €320.0M | €316.0M |
| Dividends Received | €135.0M | €57.0M |
| Dividends Received Classified As Investing Activities | €58.0M | €0 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €1.01B | -€626.0M |
| Equity and Liabilities | €397.37B | €373.05B |
| Fee and Commission Expense | €736.0M | €675.0M |
| Fee and Commission Income | €3.52B | €3.25B |
| Fee and Commission Income Expense | €2.79B | €2.58B |
| Financial Assets At Amortised Cost | €296.42B | €265.88B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €28.73B | €24.26B |
| Financial Assets At Fair Value Through Profit Or Loss | €31.34B | €28.13B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €11.83B | €10.51B |
| Financial Liabilities | €348.78B | €328.72B |
| Financial Liabilities At Amortised Cost | €324.71B | €306.05B |
| Financial Liabilities At Fair Value Through Profit Or Loss | €23.74B | €22.36B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €5.78B | €5.68B |
| Gains Losses On Cash Flow Hedges Before Tax | €611.0M | -€8.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €7.0M | -€118.0M |
| Gains Losses On Hedges of Net Investments In Foreign Operations Before Tax | -€91.0M | €48.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €273.0M | €199.0M |
| Impairment Loss Recognised In Profit Or Loss Goodwill | €7.0M | €0 |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €334.0M | €248.0M |
| Income Tax Relating To Cash Flow Hedges of Other Comprehensive Income | €152.0M | -€10.0M |
| Income Tax Relating To Changes In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability of Other Comprehensive Income | €0 | €0 |
| Income Tax Relating To Exchange Differences On Translation of Other Comprehensive Income | €0 | €0 |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | €1.0M | -€35.0M |
| Income Tax Relating To Hedges of Net Investments In Foreign Operations of Other Comprehensive Income | -€20.0M | €12.0M |
| Income Tax Relating To Investments In Equity Instruments of Other Comprehensive Income | €3.0M | €1.0M |
| Income Tax Relating To Remeasurements of Defined Benefit Plans of Other Comprehensive Income | -€6.0M | €23.0M |
| Income Tax Relating To Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss | €0 | €0 |
| Income Tax Relating To Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss | €0 | €0 |
| Income Taxes Paid Refund Classified As Operating Activities | €685.0M | €699.0M |
| Increase Decrease In Cash and Cash Equivalents | €404.0M | €8.07B |
| Increase Decrease Through Change In Equity of Subsidiaries | €77.0M | €0 |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €1.0M | €1.0M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Insurance Contracts That Are Liabilities | €17.42B | €17.11B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€333.0M | -€341.0M |
| Insurance Revenue | €3.20B | €2.94B |
| Insurance Service Expenses From Insurance Contracts Issued | €2.51B | €2.48B |
| Interest Expense | €11.28B | €14.17B |
| Interest Revenue Expense | €6.07B | €5.57B |
| Investments In Subsidiaries Joint Ventures and Associates | €63.0M | €116.0M |
| Issue of Equity | €13.0M | €17.0M |
| Liabilities | €369.39B | €348.74B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €115.0M | €0 |
| Loans and Advances To Banks | €55.0M | €225.0M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €328.0M | €1.0M |
| Other Assets | €1.60B | €1.91B |
| Other Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€4.0M | -€2.0M |
| Other Comprehensive Income | €1.14B | -€123.0M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€1.0M | €0 |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | €287.0M | -€227.0M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €18.0M | €179.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€8.0M | €92.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | €497.0M | €72.0M |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€1.0M | €0 |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | €287.0M | -€227.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €5.0M | -€88.0M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €15.0M | €178.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€3.0M | €69.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €15.0M | €178.0M |
| Other Comprehensive Income Net of Tax Hedges of Net Investments In Foreign Operations | -€67.0M | €42.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €1.13B | -€370.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €11.0M | €247.0M |
| Other Liabilities | €2.58B | €2.68B |
| Payments To Acquire Or Redeem Entitys Shares | €0 | €803.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €3.58B | €3.39B |
| Proceeds From Issue of Subordinated Liabilities | €497.0M | €1.50B |
| Proceeds From Issuing Shares | €13.0M | €17.0M |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €10.0M | €14.0M |
| Proceeds From Sales of Investment Property | €33.0M | €16.0M |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €0 | €0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €287.0M | €341.0M |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €9.29B | €6.88B |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Provisions | €138.0M | €141.0M |
| Purchase of Financial Instruments Classified As Investing Activities | €10.36B | €5.80B |
| Purchase of Investment Property | €141.0M | €149.0M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | -€51.0M | -€101.0M |
| Reclassification Adjustments On Cash Flow Hedges Net of Tax | -€39.0M | -€70.0M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €1.0M | €5.0M |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Before Tax | -€4.0M | -€8.0M |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Net of Tax | -€3.0M | -€6.0M |
| Reinsurance Contracts Held That Are Assets | €110.0M | €119.0M |
| Repayments of Bonds Notes and Debentures | €4.47B | €2.11B |
| Repayments of Subordinated Liabilities | €132.0M | €1.28B |
| Restricted Cash and Cash Equivalents | €0 | €0 |
| Revenue From Dividends | €77.0M | €57.0M |
| Revenue From Interest | €17.35B | €19.75B |
| Reverse Repurchase Agreements and Cash Collateral On Securities Borrowed | €32.00B | €20.80B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | €0 | €0 |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Net of Tax | €0 | €0 |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €0 | €0 |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Net of Tax | €0 | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €6.0M | €80.0M |
Methodology
Every line item above is a fact tagged in KBC GROEP's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.